Poor Credit Car Loans near Santa Ana CA

Having a great car to call your own is a freeing feeling. You’ll be ready to head out to your favorite local spots and hit the highway for a weekend full of fun and discovery. If you need your own set of wheels but are concerned about financing it, our team of friendly experts is here to help.

Drivers can rest easy thanks to our help with poor credit car loans near Santa Ana, California. We’ve made it our mission to help all drivers in their quest for a car, truck, or SUV that gets them out on the road and ready to live life to the fullest. The team at Norm Reeves Honda Superstore Irvine will work hard to get you in the driver’s seat of your next favorite ride!

All About Credit Score

If you have concerns about your overall credit when shopping for a car, it’s a good idea to check out your credit score. Credit scores are the primary way that lenders calculate the risk and safety of a potential borrower. The easiest way to view it is that a higher score means the person is more trusted with loans and other forms of credit than someone with a lower score.

The range of credit scores falls into several categories, as seen below:

  • Excellent: 800-850
  • Very Good: 740-799
  • Good: 670-739
  • Fair: 580-669
  • Poor: 300-579

Even if your score is currently on the lower end, there are still options for you.

Poor Credit Car Loans near Santa Ana CA

What Makes Poor Credit?

As you can see, there’s a wide spectrum of potential credit scores. These scores are determined from a variety of sources, giving lenders an idea of how creditworthy a borrower is. The total amount of debts owed, payment history, types of credit accounts, and more all factor into determining your credit score.

If you have a lot of credit cards open, multiple loans left to pay off, and are sometimes late on monthly payments, it will be reflected in a lower credit score. The good news is that there are still options for you when it comes to financing a car.

Poor Credit Car Loans near Santa Ana CA

Improving Credit Score

If you want to improve your credit score to have more financing options, there are some easy ways to do it. Here are some ways to improve your credit score:

  • Delay opening new accounts
  • Keep old accounts open
  • Pay off current debts
  • Make payments on time and above the minimum amount

Improving your credit score will help with buying a car and other major purchases in the future, making it a smart decision overall.

Poor Credit Car Loans near Santa Ana CA

Financing With Poor Credit

The team in our finance center is dedicated to helping drivers from all walks of life get the keys to great vehicles. They’ll work hard to find an option that fits your lifestyle for a car you’ll love.

The key to this is their network of local lenders, whom they’ll speak to on your behalf. Our crew has built working relationships with these institutions to make the financing process easier for you. You’re sure to get a financing plan you’re comfortable with!

Poor Credit Car Loans near Santa Ana CA

Get Poor Credit Car Loans near Santa Ana CA

Your next drive in Santa Ana, CA, will be better with a car you’re confident in, no matter what type of credit you may have. Contact us at Norm Reeves Honda Superstore Irvine and meet with our finance experts today!

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16 Auto Center Dr, Irvine, CA, 92618
Norm Reeves Honda Superstore Irvine 33.631220, -117.721790.