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Video Summary:

In this video, I will discuss the top places to get a car loan if you have bad credit, even with a 400 credit score. The first option is autocreditexpress.com, which offers car loans up to $20,000 with a minimum monthly income of $1,500. Ally Finance is another subprime lender that provides car loans ranging from $5,000 to $99,000 with a 520 credit score. Lastly, myautoloans.com is a platform that offers loans from $8,000 to $100,000, requiring a credit score of at least 575.

I will also explain how a car loan can affect your credit. When you apply for a car loan, it results in a hard inquiry on your credit report, which can lower your score by 2 to 12 points per inquiry. Paying off a car loan can also temporarily decrease your credit score by about 40 points, but it will bounce back within 30 to 60 days unless you have no other loans. Having a car loan does not impact your utilization but affects your debt-to-income ratio, which lenders consider when evaluating your creditworthiness.

If you have multiple inquiries on your credit report from car loans, you can contact the fraud department of the credit bureaus to dispute them. Experian may resolve the issue within 24 to 48 hours, while Transunion and Equifax may require proof of identification. Ensure there is no fraud block on your credit report to avoid delays in removing the inquiries. If you need assistance with removing negative items from your credit or obtaining business or personal credit funding, click the link in the description to schedule a consultation.

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DISCLAIMER:
The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice or financial advice. You should not rely upon any information contained on this YouTube channel for financial advice. Viewing this YouTube channel is not intended to and shall not create an client relationship between you and Houston Mcmiller or Business Credit America, Inc, or any of our associated websites. Messages or other forms of communication that you transmit to this YouTube channel will not create an client relationship and thus information contained in such communications may not be protected as privileged. Neither Houston Mcmiller nor Business Credit America, Inc, or any of our associated websites makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided ""as is,"" does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.

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