It used to be that driving a minivan was a nail in the cool coffin. The lumbering boxes of the 80s and 90s were the last automobiles anyone in their right mind would get an auto loan for if they wanted to maintain a youthful and relevant image.  But times they are a changin. The people who at one time determined that minivans were for airheaded soccer moms who didn't know any different are now becoming soccer moms themselves.  Far from thinking that driving a minivan is emasculating, today's men are wearing them as a badge of honor.  These sociological shifts are not lost on automobile makers, or their marketing companies.  Case in point is the Toyata Sienna, aka "the Swagger Wagon."  Check out the video below and you'll see what I mean.

Be on the lookout!  Black Friday doesn't only apply to Wal-Mart and Target.  It also applies to many car dealerships.  Auto loans don't take holidays, and great sales mean auto loans for people with poor credit don't take holidays either!  It also might be the perfect time for So get out there and look around.  You never know what you might find! 

So you are going to see about a car loan, but you don't want to feel like you walked away getting the short end of the stick.  Too many times people assume that they have no power to negotiate.  Not true.  Negotiating can get you a lower car note, which means lower payments, which means more cash in your pocket.  This is especially true when it comes to car loans for people with bad credit.  Check out this article for more on negotiating your price.

“RoadLoans was a real pleasure to do business with. I have been in sales for more than 15 years. I know what it takes in this type of competitive business, and your team did a fantastic job. ” - Jethro

Testimony is good.  When you are looking at getting a car loan, it is good to hear from actual human beings who have worked with a particular company.  In any industry there are many outfits, but not all of them do business the same way.  Here are some testimonials from some of our customers:

“Thank you for the great service you provided me throughout my buying process. I was able to get everything worked out at the dealership very quickly. I appreciate it!” - Kathy

“I am writing to thank you for one of your employees – Ms. K. She was the person who handled my loan through your company. During that time, she was nothing but kind, attentive and professional. ” - Donna

“RoadLoans was a real pleasure to do business with. I have been in sales for more than 15 years. I know what it takes in this type of competitive business, and your team did a fantastic job. ” - Jethro

“Thank you so much for making this process so fast and easy. We would do it again. Great experience!” - Lori & Dan

“I am writing to thank you for one of your employees – Ms. K. She was the person who handled my loan through your company. During that time, she was nothing but kind, attentive and professional. ” - Donna

“Thank you so much for making this process so fast and easy. We would do it again. Great experience!” - Lori & Dan

We'd like to thank YOU, Kathy, Donna, Jethro, Lori & Dan, and thousands of others, for being our customers! May we continue to provide great service in getting people into the vehicles they need by bringing you auto loans, from the first time preapproved auto loan to auto loans for people with bad credit. 

“Thank you so much for making this process so fast and easy. We would do it again. Great experience!” - Lori & Dan

Most people, unless they are rolling in bling, will need to get a car loan if they are going to buy a car.  Many people won't need to go any further.  Their credit is good and they are in and out of the dealership just like that (although granted a little slower than in the past).  But what about auto loans for people with bad credit?  It's more common than you think, and the circumstances for bad credit aren't always so negative. 

Think of it as a spectrum.  On one end of the bad credit spectrum is people with no credit, which means they have never taken out a loan and paid it off, or are not currently paying anything off.  This is common with young people, namely college students.  See also ex-felons recently released from prison.  It's more an issue of circumstance than consequence, although I'm not sure what a felony does to one's ability to get a loan.  In these times it will be more difficult to get an auto loan for those who have no history of making payments.  Simply put, no credit is bad credit. 

On the other end of the spectrum from no credit is debt.  This can range from having a high debt to income ratio (too much debt with not enough money or assets to cover it), having a history of late payments on debt, or defaulting on past loans.  This is by no means a good place to be in, but once again, sometimes this is beyond our control.  

Either way, companies aren't going to loan you money if you find yourself in one of these situations...and it's happening with more and more people.  Yet you need a car.  You need to get a loan.  This is where Roadloans comes in.  If this is you, check us out.