How to get a car loan with bad credit


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How to get a car loan with bad credit

When you need to finance a Fort Wayne used car, but your credit score isn’t perfect, there’s only one dealership you’ll need. RB Car Company is an experienced car dealership in Fort Wayne, offering a simple financing process. Let’s learn more about securing an auto loan for a used car near you!

To prepare to apply for a car loan, here are some steps you can take before you visit our used car dealership near you:

  • Check your credit score: Your credit score plays a crucial role in determining whether you will be approved for a car loan and what interest rate you will receive. Check your credit report and credit score to ensure they are accurate and up to date. You can get a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year.

  • Determine your budget: Determine how much you can afford to pay for a car each month. Take into consideration your income, expenses, and other debts. You can use online calculators to help you determine your budget and how much you can afford to pay for a Fort Wayne used car.

  • Get pre-approved: Get pre-approved for a car loan before you start shopping for a car. Pre-approval means that the lender has reviewed your credit and financial information and determined how much they are willing to lend you. This can help you shop for a car for sale in Fort Wayne within your budget and save time at the dealership.

  • Gather documentation: When you apply for a car loan, you will need to provide documentation such as proof of income, employment, and residence. Gather these documents in advance to speed up the loan process.

 

Buy here pay here (BHPH) dealerships like RB Car Company offer financing for customers who have difficulty getting approved for a loan from traditional lenders. Here are some advantages of shopping at our car dealership in Fort Wayne:

  • Easy approval: Our used car dealership near you has more lenient credit requirements than traditional lenders. This can make it easier for customers with bad credit or no credit to get approved for financing.

  • No credit checks: BHPH dealerships typically do not run credit checks, which can be beneficial for customers with poor credit history.

  • Flexible payment options: RB Car Company can offer flexible payment options that can be tailored to your individual financial situation. For example, they may offer weekly or bi-weekly payments instead of monthly payments for your Fort Wayne used car, which can be helpful if you get paid on a non-monthly basis.

  • Fast approval process: We have a faster approval process than traditional lenders, allowing you to get into a used car near you sooner.

  • One-stop-shop: Our car dealership in Fort Wayne handles both the sale of the car and the financing. This can make the process more convenient, as you don't have to deal with separate lenders and dealerships when shopping for a car for sale in Fort Wayne.



 

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Exterior: 
Red
Mileage:
72,040
VIN:
1FAHP60A72Y113819
Stock #:
35592
Original:
$22,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$18,880
$300.41 / month*
CarFax
Exterior: 
Brown
Interior: 
Dark Slate Gray/Russet Leather
Mileage:
65,890
Engine:
8cyl, 5.7L, 390.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
DS6R98
VIN:
1C6RD7PTXCS104273
Stock #:
35597
Original:
$24,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$20,880
$332.23 / month*
This Used 2012 Ram 1500 has the following DESIRABLE FEATURES:: LEATHER, 4X4, NAV, HTD SEATS, REMOTE START, A/C SEATS, HTD ST. WHEEL, HTD REAR SEATS, BACKUP CAMERA, BLUETOOTH, RADAR SENSING, DUAL-ZONE CLIMATE, REMOTE ENTRY, AUX PORT, SIRIUS XM, RUNNING BOARDS, PREMIUM SOUND.This preowned 2012 Ram...   Read More
CarFax
Exterior: 
Gray
Interior: 
Black/Gun Metal 
Mileage:
48,193
Engine:
6cyl, 3.5L, 278.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
7545
VIN:
5TFCZ5AN4MX246086
Stock #:
35596
Original:
$41,488
Tax Time is Match Time:
-$3,500
Sale Price:  
$37,988
$604.44 / month*
This used 2021 Toyota Tacoma, has the following DESIRABLE FEATURES: 4X4, ANDROID AUTO, ALLOY-WHEELS, WIFI HOTSPOT, APPLE CARPLAY, LANE DEPARTURE WARNING, VOICE CONTROLS, BLUETOOTH, TOW PKG, AUX PORT, SIRIUS XM, REMOTE ENTRY.This preowned 2021 Toyota Tacoma TRD Off Road located at our R&B Car...   Read More
CarFax
Exterior: 
Blue
Interior: 
Black Pkg/Gun Metal 
Mileage:
25,569
Engine:
6cyl, 3.5L, 278.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
7566
VIN:
5TFDZ5BN8JX034743
Stock #:
35595
Original:
$42,455
Tax Time is Match Time:
-$3,500
Internet Price:  
$38,955
$619.83 / month*
This Used 2018 Toyota Tacoma has the following DESIRABLE FEATURES:: 4X4, NAV, ALLOY-WHEELS, BACKUP CAMERA, APPLE CARPLAY, ANDROID AUTO, TOW PKG, LANE DEPARTURE WARNING, BLUETOOTH, SIRIUS XM, REMOTE ENTRY, AUX PORT.This preowned 2018 Toyota Tacoma TRD Sport located at our R&B Car Company Warsaw used...   Read More
CarFax
Exterior: 
Blue
Interior: 
Black Leather
Mileage:
30,557
Engine:
6cyl, 3.6L, 293.0hp
Model #: 
WKJP74
VIN:
1C4RJFBG5MC753853
Stock #:
35594
Original:
$40,055
Tax Time is Match Time:
-$3,500
Internet Price:  
$36,555
$581.64 / month*
This Used 2021 Jeep Grand Cherokee Limited, has the following DESIRABLE FEATURES: 4X4, NAV, LEATHER, WIFI HOTSPOT, APPLE CARPLAY, HTD SEATS, HTD ST. WHEEL, PWR SUNROOF, ANDROID AUTO, ALLOY-WHEELS, REMOTE START, BLUETOOTH, VOICE CONTROLS, RADAR SENSING, BLIND SPOT MONITOR, DUAL-ZONE CLIMATE, PWR...   Read More
CarFax
Exterior: 
Black
Interior: 
Ebony Leather
Mileage:
68,656
Engine:
4cyl, 2.0L, 245.0hp
Model #: 
J3D
VIN:
5LMCJ3D90JUL23469
Stock #:
35593
Original:
$27,855
Tax Time is Match Time:
-$3,500
Internet Price:  
$24,355
$387.52 / month*
This Used 2018 Lincoln MKC has the following DESIRABLE FEATURES:: NAV, LEATHER, PANO ROOF, HTD SEATS, AWD, A/C SEATS, REMOTE START, PWR SUNROOF, ANDROID AUTO, WIFI HOTSPOT, ALLOY-WHEELS, APPLE CARPLAY, BLIND SPOT MONITOR, VOICE CONTROLS, BLUETOOTH, HID HEADLIGHTS, RADAR SENSING, DUAL-ZONE CLIMATE,...   Read More
CarFax
Exterior: 
Black
Interior: 
Jet Black Leather
Mileage:
74,743
Engine:
8cyl, 5.3L, hp
Model #: 
TK15706
VIN:
1GKS2BKC7KR366403
Stock #:
35591
Original:
$46,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$42,880
$682.28 / month*
This Used 2019 GMC Yukon SLT, has the following DESIRABLE FEATURES: 4X4, LEATHER, HTD REAR SEATS, ANDROID AUTO, 3RD ROW SEAT, ALLOY-WHEELS, BACKUP CAMERA, APPLE CARPLAY, HTD SEATS, REMOTE START, A/C SEATS, HTD ST. WHEEL, WIFI HOTSPOT, BLIND SPOT MONITOR, TOW PKG, BLUETOOTH, LANE DEPARTURE WARNING,...   Read More
CarFax
Exterior: 
Silver
Interior: 
Black Leather
Mileage:
40,258
Engine:
4cyl, 1.5L, 190.0hp
Model #: 
RW2H9KKNW
VIN:
2HKRW2H93KH143096
Stock #:
35590
Original:
$35,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$31,880
$507.25 / month*
This Used 2019 Honda CR-V has the following DESIRABLE FEATURES:: LEATHER, NAV, LED HEADLTS, ALLOY-WHEELS, APPLE CARPLAY, AWD, PWR SUNROOF, HTD SEATS, ANDROID AUTO, REMOTE START, BLIND SPOT MONITOR, LANE DEPARTURE WARNING, BLUETOOTH, PWR LIFTGATE, DUAL-ZONE CLIMATE, REMOTE ENTRY, PREMIUM SOUND, AUX...   Read More
CarFax
Exterior: 
Black
Interior: 
Charcoal Leather
Mileage:
35,518
Engine:
4cyl, 2.5L, 170.0hp
Model #: 
22419
VIN:
5N1AT2MV2KC758688
Stock #:
35589
Original:
$31,355
Tax Time is Match Time:
-$3,500
Internet Price:  
$27,855
$443.21 / month*
This Used 2019 Nissan Rogue SL, has the following DESIRABLE FEATURES: LEATHER, 360 CAM, NAV, HTD ST. WHEEL, ANDROID AUTO, ALLOY-WHEELS, HTD SEATS, REMOTE START, AWD, BACKUP CAMERA, APPLE CARPLAY, RADAR SENSING, BLUETOOTH, VOICE CONTROLS, BLIND SPOT MONITOR, LANE DEPARTURE WARNING, PWR LIFTGATE,...   Read More
CarFax
Exterior: 
Tan
Interior: 
Jet Black Leather
Mileage:
43,037
Engine:
6cyl, 3.6L, 310.0hp
Model #: 
6NW26
VIN:
1GYKPDRS9LZ101385
Stock #:
35588
Original:
$44,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$40,880
$650.46 / month*
This Used 2020 Cadillac XT6 AWD Premium Luxury, has the following DESIRABLE FEATURES: PANO ROOF, LEATHER, HTD ST. WHEEL, APPLE CARPLAY, ANDROID AUTO, BACKUP CAMERA, REMOTE START, WIFI HOTSPOT, PWR SUNROOF, ALLOY-WHEELS, AWD, HTD SEATS, BLIND SPOT MONITOR, RADAR SENSING, BLUETOOTH, LANE DEPARTURE...   Read More
CarFax
Exterior: 
Blue
Interior: 
Charcoal 
Mileage:
101,423
Engine:
4cyl, 2.5L, 170.0hp
Model #: 
22218
VIN:
5N1AT2MV9JC745578
Stock #:
35587
Original:
$20,480
Tax Time is Match Time:
-$3,500
Internet Price:  
$16,980
This Used 2018 Nissan Rogue SV, has the following DESIRABLE FEATURES: APPLE CARPLAY, AWD, ANDROID AUTO, HTD SEATS, REMOTE START, ALLOY-WHEELS, BLIND SPOT MONITOR, BLUETOOTH, PWR LIFTGATE, DUAL-ZONE CLIMATE, AUX PORT, REMOTE ENTRY, SIRIUS XM.This preowned 2018 Nissan Rogue SV SUV located at our R&B...   Read More
CarFax
Exterior: 
Silver
Interior: 
Jet Black/Brandy Leather
Mileage:
89,877
Engine:
4cyl, 1.5L, 170.0hp
Model #: 
1XZ26
VIN:
2GNAXXEV9L6187688
Stock #:
35586
Original:
$29,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$25,880
$411.79 / month*
This Used 2020 Chevrolet Equinox Premier, has the following DESIRABLE FEATURES: LEATHER, AWD, BACKUP CAMERA, WIFI HOTSPOT, REMOTE START, APPLE CARPLAY, ANDROID AUTO, HTD SEATS, ALLOY-WHEELS, RADAR SENSING, VOICE CONTROLS, LANE DEPARTURE WARNING, BLUETOOTH, BLIND SPOT MONITOR, PWR LIFTGATE,...   Read More
CarFax
Exterior: 
Blue
Interior: 
Black 
Mileage:
79,056
Engine:
8cyl, 5.7L, 395.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
DS6S98
VIN:
1C6RR7MT2GS342436
Stock #:
35585
Original:
$34,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$30,880
$491.34 / month*
This Used 2016 Ram 1500 has the following DESIRABLE FEATURES:: 4X4, ALLOY-WHEELS, HTD ST. WHEEL, WIFI HOTSPOT, APPLE CARPLAY, ANDROID AUTO, HTD SEATS, BLUETOOTH, VOICE CONTROLS, DUAL-ZONE CLIMATE, REMOTE ENTRY, AUX PORT, SIRIUS XM.This preowned 2016 Ram 1500 Sport located at our R&B Car Company...   Read More
CarFax
Exterior: 
Gray
Mileage:
66,042
Model #: 
U9J
VIN:
1FMCU9J93HUB47139
Stock #:
35268B
Original:
$23,381
Tax Time is Match Time:
-$3,500
Internet Price:  
$19,881
$316.33 / month*
This Used 2017 Ford Escape has the following DESIRABLE FEATURES:: 4X4, RADAR SENSING, BLIND SPOT MONITOR, SIRIUS XM.TECHNOLOGY FEATURES: This used 2017 Ford Escape suv Includes: Voice Command Features, Steering Wheel Audio Controls, Remote Engine Start, Homelink System, Premium Sound System,...   Read More
CarFax
Exterior: 
Gray
Interior: 
Black Leather
Mileage:
20,798
Engine:
6cyl, 3.8L, 291.0hp
Model #: 
J1462A65
VIN:
KM8R5DHE7LU046921
Stock #:
35583
Original:
$47,755
Tax Time is Match Time:
-$3,500
Internet Price:  
$44,255
$704.16 / month*
This Used 2020 Hyundai Palisade has the following DESIRABLE FEATURES:: NAV, DUAL-MOONROOF, LEATHER, 360 CAM, HTD SEATS, LED HEADLTS, AWD, BACKUP CAMERA, REMOTE START, ALLOY-WHEELS, ANDROID AUTO, PWR SUNROOF, A/C SEATS, HTD ST. WHEEL, HTD REAR SEATS, APPLE CARPLAY, 3RD ROW SEAT, BLUETOOTH, HEADS UP...   Read More
CarFax
Exterior: 
Black
Interior: 
Ebony Black Leather
Mileage:
73,587
Engine:
6cyl, 3.5L, 290.0hp
Model #: 
K8F
VIN:
1FM5K8F85GGB27688
Stock #:
35582
Original:
$27,155
Tax Time is Match Time:
-$3,500
Internet Price:  
$23,655
$376.38 / month*
This Used 2016 Ford Explorer Limited, has the following DESIRABLE FEATURES: NAV, 4X4, LEATHER, LED HEADLTS, HTD SEATS, ALLOY-WHEELS, HTD ST. WHEEL, WIFI HOTSPOT, REMOTE START, 3RD ROW SEAT, BACKUP CAMERA, A/C SEATS, HTD REAR SEATS, VOICE CONTROLS, BLUETOOTH, RADAR SENSING, DUAL-ZONE CLIMATE, PWR...   Read More
CarFax
Exterior: 
Gray
Interior: 
Black 
Mileage:
58,021
Engine:
8cyl, 5.0L, 310.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
56219
VIN:
1N6BA1F41KN519910
Stock #:
35581
Original:
$38,390
Tax Time is Match Time:
-$3,500
Internet Price:  
$34,890
$555.15 / month*
This Used 2019 Nissan Titan XD has the following DESIRABLE FEATURES: 4X4, DIESEL, ANDROID AUTO, APPLE CARPLAY, TOW PKG, BLUETOOTH, SIRIUS XM, REMOTE ENTRY, AUX PORT.This preowned 2019 Nissan Titan XD SV located at our R&B Car Company Warsaw used car dealership near Warsaw, IN features a Gun...   Read More
CarFax
Exterior: 
Green
Interior: 
Black 
Mileage:
28,359
Engine:
6cyl, 3.6L, 285.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
JTJL98
VIN:
1C6HJTAG0LL209939
Stock #:
35580
Original:
$45,255
Tax Time is Match Time:
-$3,500
Internet Price:  
$41,755
$664.38 / month*
This Used 2020 Jeep Gladiator Sport S, has the following DESIRABLE FEATURES: 4X4, ALLOY-WHEELS, BLUETOOTH, TOW PKG, AUX PORT.This preowned 2020 Jeep Gladiator Sport S located at our R&B Car Company South Bend used car dealership near South Bend, IN features a Gator Clearcoat exterior with a Black...   Read More
CarFax
Exterior: 
Black
Interior: 
Black/Medium Dark Slate Leather
Mileage:
77,977
Engine:
6cyl, 3.5L, 400.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W1E
VIN:
1FTFW1E85MFA30255
Stock #:
35579
Original:
$49,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$45,880
$730.01 / month*
This Used 2021 Ford F-150, has the following DESIRABLE FEATURES: 4X4, NAV, LEATHER, REMOTE START, APPLE CARPLAY, ANDROID AUTO, ALLOY-WHEELS, HTD SEATS, LED HEADLTS, WIFI HOTSPOT, A/C SEATS, BLUETOOTH, RADAR SENSING, TOW PKG, VOICE CONTROLS, BLIND SPOT MONITOR, LANE DEPARTURE WARNING, DUAL-ZONE...   Read More
CarFax
Exterior: 
Black
Interior: 
Black Leather
Mileage:
28,331
Engine:
6cyl, 3.3L, 368.0hp
Model #: 
H6492
VIN:
KNAE55LC0N6099771
Stock #:
35578
Original:
$47,855
Tax Time is Match Time:
-$3,500
Internet Price:  
$44,355
$705.75 / month*
This Used 2022 Kia Stinger GT2, has the following DESIRABLE FEATURES: NAV, 360 CAM, LEATHER, HTD SEATS, HTD ST. WHEEL, PWR SUNROOF, AWD, ANDROID AUTO, A/C SEATS, REMOTE START, LED HEADLTS, BACKUP CAMERA, HTD REAR SEATS, ALLOY-WHEELS, APPLE CARPLAY, HEADS UP DISPLAY, BLUETOOTH, RADAR SENSING, VOICE...   Read More
CarFax
Exterior: 
Blue
Interior: 
Black Leather
Mileage:
67,159
Engine:
8cyl, 5.7L, 395.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
DT6M98
VIN:
1C6SRFHT3KN833997
Stock #:
35577
Original:
$52,488
Tax Time is Match Time:
-$3,500
Internet Price:  
$48,988
$779.47 / month*
This used 2019 Ram All-New 1500, has the following DESIRABLE FEATURES: NAV, LEATHER, 4X4, HTD REAR SEATS, A/C SEATS, HTD ST. WHEEL, WIFI HOTSPOT, HTD SEATS, REMOTE START, APPLE CARPLAY, ANDROID AUTO, ALLOY-WHEELS, LED HEADLTS, RADAR SENSING, TOW PKG, VOICE CONTROLS, BLUETOOTH, BLIND SPOT MONITOR,...   Read More
CarFax
Exterior: 
White
Interior: 
Pewter 
Mileage:
117,173
Engine:
6cyl, 3.5L, 310.0hp
Model #: 
R2C
VIN:
1FTYR2CG0KKA76774
Stock #:
35572
Original:
$31,380
Tax Time is Match Time:
-$3,500
Internet Price:  
$27,880
CARFAX 1 owner, Free CARFAX report! This Used 2019 Ford Transit Van, has the following DESIRABLE FEATURES: BACKUP CAMERA, REMOTE ENTRY, AUX PORT.This used 2019 Ford Transit Van T-250 148" Med Rf 9000 GVWR Sliding RH D T-250 148" Med Rf 9000 GVWR Sliding RH D located at our R&B Car Company South...   Read More
CarFax
Exterior: 
Gray
Interior: 
Black 
Mileage:
8,666
Engine:
4cyl, 1.6L, 180.0hp
Model #: 
L4262
VIN:
5XXG34J23MG060369
Stock #:
35571
Original:
$36,955
Tax Time is Match Time:
-$3,500
Internet Price:  
$33,455
$532.32 / month*
This Used 2021 Kia K5 has the following DESIRABLE FEATURES: PANO ROOF, A/C SEATS, APPLE CARPLAY, LED HEADLTS, ANDROID AUTO, REMOTE START, WIFI HOTSPOT, PWR SUNROOF, ALLOY-WHEELS, HTD SEATS, VOICE CONTROLS, BLUETOOTH, BLIND SPOT MONITOR, LANE DEPARTURE WARNING, RADAR SENSING, DUAL-ZONE CLIMATE,...   Read More
CarFax
Exterior: 
Black
Interior: 
Medium Earth Gray 
Mileage:
42,072
Engine:
8cyl, 6.2L, 385.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W2B
VIN:
1FT7W2B62JEB00762
Stock #:
35570
Original:
$48,155
Tax Time is Match Time:
-$3,500
Internet Price:  
$44,655
$710.52 / month*
This Used 2018 Ford Super Duty F-250 Pickup, has the following DESIRABLE FEATURES: 4X4, APPLE CARPLAY, ANDROID AUTO, BACKUP CAMERA, ALLOY-WHEELS, BLUETOOTH, VOICE CONTROLS, TOW PKG, REMOTE ENTRY, SIRIUS XM, AUX PORT.This used 2018 Ford Super Duty F-250 Pickup XLT XLT located at our R&B Car Company...   Read More
CarFax
Exterior: 
White
Interior: 
Jet Black with Cinnamon accent 
Mileage:
28,622
Engine:
4cyl, 2.0L, 237.0hp
Model #: 
6ZE26
VIN:
1GYFZFR4XKF206915
Stock #:
35569
Original:
$38,488
Tax Time is Match Time:
-$3,500
Internet Price:  
$34,988
$556.71 / month*
This Used 2019 Cadillac XT4 AWD Sport, has the following DESIRABLE FEATURES: REMOTE START, WIFI HOTSPOT, ANDROID AUTO, APPLE CARPLAY, AWD, BACKUP CAMERA, ALLOY-WHEELS, RADAR SENSING, BLIND SPOT MONITOR, VOICE CONTROLS, BLUETOOTH, DUAL-ZONE CLIMATE, PWR LIFTGATE, AUX PORT, REMOTE ENTRY, SIRIUS...   Read More
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