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Creative Auto Financing Strategies

Very few of us have the cash reserves to pay for a car without financing at least some portion of the purchase price. But if your credit is bad or if you have no established credit history, it can be difficult to get a traditional loan. Fortunately, there are several creative auto financing strategies that may enable you to make that purchase.

First, your friends and family members can be valuable resources when it comes time to creatively finance your car purchase. For example, they may be able to loan you the money to make a down payment on the car that will, in turn, enable you to get traditional financing. There’s also the possibility that they may be able to loan you the entire amount required to purchase the car.

However, any time you borrow money from friends or family, treat it like the business transaction it is. Agree on the term of the loan, an interest rate and a repayment schedule. This should all be placed into a written agreement that you both sign. Your “lender” should get some type of collateral to help secure their loan. For example, you can give them a security interest in the car you’re purchasing or anything else you own that has significant value. This will help to ease their concerns about lending money and will give you an incentive to make good on the loan.

A loan assumption may be another possibility. This entails having a friend or family member make the purchase and secure a loan, which you then assume. However, before you go this route, make sure you can legally assume the loan by checking with the loan’s originator. Not only can this help you get a ca, it can also help you build your credit.

Obviously, it goes without saying that in all of these cases, it’s important that you make your payments on time and in full. If you’re at all concerned about your ability to make the necessary payments, wait until you’re in a more financially secure position to buy a car. Before you approach any friend or relative for help, be willing to accept no for an answer without letting it damage your relationship with them.

But don’t think that traditional financing is out of your reach. Car dealers have a vested interest in getting you financing for your car. After all, until you purchase the car, they don’t make the sale and earn their commission. They also make a small profit on the car loan as well, so if they provide the financing; it’s a win-win situation for them. If you have a friend or relative who’s previously purchased a car from the dealership you’re thinking of working with, ask them if they’d be willing to approach the dealership and ask them to finance the car for you. Repeat business is important to most businesses and when a valued customer asks for a favor, most businesses will do everything they can to accommodate that request. You may not get the best interest rate or deal, but at least you have a start. Once you’ve improved or established your credit history, you may be able to negotiate a better rate or refinance the car.

Or, instead of working with a dealership, you may be able to find an individual selling a car who’s willing to work with you on payment arrangements. Just be sure you follow the same guidelines listed above for treating the deal like a legal sale.

Another way to creatively finance your auto purchase is to purchase a car that you can use for the short term. If you pay $500 for a car that works for five months, you’ve paid the equivalent of a $100 a month car payment – which is pretty good, no matter how you look at it. Spend a little more time saving money and you may be surprised at how much functional car you can buy for a relatively small amount of money.