by Trevor Riggs - Posted 1 month ago
How to Get a Good Car with Bad Credit—Without Freaking Out
Why Bad Credit Makes Car Buying Tough
How Credit Scores Mess Things Up
Buying a car with bad credit isn’t easy. Banks think low scores—under 580—mean you’re a risk. That bumps interest rates way up, like 15% or more, when good credit folks pay just 5% (NerdWallet). You might need a big down payment, maybe $1,000 or $2,000, and you’re stuck picking from older cars (Experian). But don’t worry—you can still make it work with some smart moves.
The Stress Hits Hard
Think about Jane, a 37-year-old mom from Billings, MT. She’s got kids, a job, and bills, and she’s scared of getting a junk car or ripped off. Then there’s Mark, 27, from Missoula, MT. He fixes stuff at a warehouse but his car keeps breaking down, stressing him out about work. They need help. Deals On Wheels steps in with honest deals and no judging.
Figure Out Your Money Plan
Extra Costs Sneak In
The car’s price isn’t all you pay. Insurance costs more with bad credit—sometimes $3,000 a year (The Zebra). Fixing it up can take $900 to $1,500 every year (Bankrate). Plus, taxes in Montana hit you right away. If you forget these, you’re in trouble.
What You Can Pay
Here’s an easy trick: your car payment should be less than 15% of what you make each month. If you get $3,500, keep it under $525. That way, you’ve got cash for other stuff.
Pick a Dealership That’s Cool with Bad Credit
Regular Places Can Be Annoying
Lots of car lots push you hard to buy and add secret fees. With bad credit, they act like you’re a problem. It’s no fun at all.
What Makes a Good Dealership
Find one that gives you a loan right there, doesn’t care about your credit mess, and has stuff like warranties or a way to return the car (CarsDirect). Deals On Wheels is awesome at this. They’ve got a 48-hour or 200-mile “Love It or Exchange It” promise, loans that work for you, and no hidden costs. It’s like a friend helping you out.
Make It Easier to Get the Car
Ways to Look Better to Lenders
You don’t need perfect credit to get a car. Check your score to see what’s up (TransUnion). Bring paycheck stubs to show you’ve got a job. Even a little down payment, like $500, helps (NerdWallet). If your buddy’s got good credit, ask them to co-sign—it could lower your payments.
Watch Out for Tricks
Some places offer crazy-high rates or won’t show you the deal upfront. Sneaky fees? Bad news. Deals On Wheels tells you everything straight up, no funny business.
Get a Car That Won’t Break Down
What Makes a Car Trustworthy
Look for one with 100,000 to 150,000 miles, proof it’s been fixed up right, and names like Toyota Corolla or Honda CR-V—they last (U.S. News). These won’t let you down.
Cheap Isn’t Always Smart
A $3,000 car might need $2,000 in fixes soon (Bumper). Spend a little more on something good, and you’ll save cash later. Deals On Wheels checks every car, gives warranties,
Try It Out and Buy It Easy
What to Check When You Drive
Take the car for a ride. Hear weird noises from steering or brakes? Nope. Feel comfy and see okay? Good. Does it speed up and shift smooth? It should (Edmunds). Drive around town and on big roads to be sure.
Finishing Without Worries
Ask for papers with all the details. Know your loan before you sign. Deals On Wheels lets you bring it back in 48 hours or 200 miles if it’s not right. That’s chill.
Real Stories from Real People
Jane’s Happy Ending
Jane’s old car was trash, and bad credit made her nervous. Deals On Wheels got her a safe SUV with easy payments—perfect for her Billings family.
Mark’s Fix
Mark’s car kept dying, messing with his Missoula job. He got a cool, gas-saving car with a warranty from Deals On Wheels. Now he’s set.
Start Driving Your Way Today
Why Deals On Wheels Rocks for Bad Credit
Loans that work, even with bad credit.
No surprise fees—just clear prices.
Cars you can trust with warranties and returns.
They treat you nice, no mean looks.
How to Do It:
Look at cars on Deals On Wheels Inventory
Get okayed fast with Financing Options
Test drive without stress.
Stop by in Billings, MT—they’re local and get you.
Bad credit doesn’t mean you’re stuck. Jane and Mark got great cars with Deals On Wheels, and you can too. Get rolling now!
Used Cars in Billings Montana
Deals On Wheels has the best-used cars that Billings MT has to offer. If you are looking for a slightly used, Pre-Owned automobile then you have come to the right place. Here at Deals On Wheels in Billings, we offer "Buy Here Pay Here" auto financing to consumers in Billings MT with bruised, damaged or just plain bad credit. The best Buy Here Pay Here Dealership that Billings MT has to offer! Here at Deals On Wheels, you will notice that we take pride in our inventory and offer the best selection of used cars, trucks, vans, sedans, and SUVs in all of Billings MT. We can get anyone financed who the law allows, because here at Deals On Wheels in Billings MT, we offer BHPH (Buy Here Pay Here) automotive financing. Buy Here Pay Here (BHPH) means that Deals On Wheels (where you purchase the vehicle from) is also the same institution that will carry the note on the loan. Therefore, no bank approval is necessary to purchase a vehicle here at Deals On Wheels. If your FICO score is under 600, which would traditionally prohibit a Billings resident from using traditional financing options, don't worry. With our 90% approval rate, we will get you approved for the car of your dreams. Most BHPH (Buy Here Pay Here) dealers’ stock old inventory with high mileage that will break down on you within months of your purchase and still leave you with a monthly car payment. Here at Deals On Wheels catering to Billings MT, we specialize in late model, low mileage inventory that we run through an extremely rigorous inspection program before we stamp the Deals On Wheels name on it. Here at Deals On Wheels, we have the ability to put you into the used vehicle you want regardless of your current credit situation. With our in-house financing specialists, you can drive away in a great used car, even with credit problems such as unpaid medical bills, late credit card bills, charge offs, no credit, or bankruptcy. Traditionally the type of used vehicles that other companies offer for "Buy Here Pay Here" consumers are cars with high mileage and late model inventory, but we offer the best used cars, trucks, vans, SUVs & sedans in Billings MT. Bad Credit OK, Divorce OK, Repossessions OK, at Deals On Wheels we understand your situation and we can get you approved for the car, truck, van, SUV or sedan of your dreams today! If you need an auto loan in Billings MT then you have found the right place, wither you are a first time Car buyer in Billings MT with baby credit or have things on your credit report that are holding you back from your automotive dreams then see then come on down to see the Deals On Wheels today. Come on down today and see why Deals On Wheels is well on its way to becoming the #1 BHPH (Buy Here Pay Here) dealership in the Billings. Deals on Wheels is located at 1800 W Broadway, Billings, MT 59808.
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