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Bad Credit Financing for Tacoma, Washington

Bad Credit Financing

Bad credit financing is available for Tacoma, Washington drivers through Auto Destination. If you have suffered through bankruptcy, divorce, foreclosures, and delinquent payments, you might qualify for our bad credit financing options in your area.

Our finance department is dedicated to providing you with sub-prime loan options that won't break the bank. If you have questions about qualifications, debt-to-income ratios, or anything else of the sort, talk with Auto Destination experts today!

What Leads to Bad Credit?

Most people are novice credit users; therefore they have no idea what goes into building or ruining a score. Utilization is one of the largest detriments to negative scores. If you have a $10K credit card limit and max it out, your utilization will be too high, and your score will drop.

When using unsecured credit, the idea is to have high limits, but never fully utilize them. In retrospect, this seems silly, but it is how it works. The idea is to show that you have access to tons of credit but only use necessary and pay it all back ASAP, which establishes a positive history with lenders. Your credit history is what makes it easy for you to access secured credit, such as car loans and mortgages.

Credit takes years to build and can be ruined in a day. Foreclosures, bankruptcies, or payments made after 90 days can all contribute to your score's downfall. Derogatory marks generally stay on your report for 6 years. Luckily, there are things you can do in that time to help boost your score and credibility in the eyes of lenders.

How Does Bad Credit Financing Work?

Sub-prime auto loans work just like any other car loans out there, except that they work for credit holders with lower scores. You will provide all the same information that you would for a regular loan, such as your length of employment, address, social security number, and housing payment.

Our finance department will take your information to our lenders who specialize in working with lower credit scores and see if we can get you approved for a set amount. While we cannot always promise an approval, we still promise you the opportunity to apply!

Apply for Sub-Prime Loans Now

If you're ready to apply for a bad credit car loan in Tacoma, WA, visit Auto Destination online now or fill out our application in person. The entire lending process soars if you have all of your information on hand. We encourage drivers who are applying for auto loans to have a pay stub readily available for verification, along with a full-coverage insurance policy.

Contact Our Finance Department

If you have questions about our lending process, we invite you to contact us. The experts at Auto Destination's finance department will gladly assist you with your questions surrounding the auto loan process. Everyone deserves access to reliable transportation, especially you.

Dealer Information
Auto Destination 9249 Pacific Avenue Tacoma, WA 98444 Get Directions
Sunday:
11:00 AM - 5:00 PM
Monday:
10:00 AM - 7:00 PM
Tuesday:
10:00 AM - 7:00 PM
Wednesday:
10:00 AM - 7:00 PM
Thursday:
10:00 AM - 7:00 PM
Friday:
10:00 AM - 7:00 PM
Saturday:
10:00 AM - 6:00 PM
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