How do I get an auto loan with bad credit?

I am trying to finance a car but on my credit I have a few charge offs and a judgement. I would like to find a loan from a fianance company rather than going to a buy here pay here place can anyone help I live in pheonix Az. Thanks

How do I get an auto loan with bad credit?
You can ask someone to co-sign with you. Like a parent or spouse.





This might not be relavent to your problem, but you know you can drive a car for free in some areas of U.S.? You can get a free car that's wrapped in a company-sponsored ad (if you don't mind). All you pay for is gas and insurance. http://drivers.freecarmedia.com/home.cfm





Maybe you can drive this free car while you resolve your credit problem.
Reply:Auto Loan Guide: http://autoloans.autoloanassis... Report Abuse

Reply:You can borrower $1,000-$25,0000 on www.Prosper.com


It worked for me and it could probably do wonders for you too!


I love this sight and I support it 100%


I started out as a Borrower and now I am a Lender.





If you want to see me and my already funded listing please go to the "lend" tab and under the "Seach Loans" tool, type "76240" and click "search".


My borrower name is Ontherightpath22. I just want to prove to you guys that is really does work!!!





Email me with any questions. =)








Company Overview


Prosper, America's first people-to-people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone.





The way Prosper works is intuitive to people who have used eBay. Instead of listing and bidding on items, people list and bid on loans using Prosper's online auction platform.





People who want to lend set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select. People who lend can easily diversify using "standing orders", which automatically make many small loans to different borrowers.





In addition to criteria commonly used by institutional lenders, such as credit scores, people who lend can consider borrowers' group affiliations. Groups on Prosper are critical to bringing people together for the common goal of borrowing at better rates. Groups earn reputations according to their members' repayment records. Groups with successful repayment histories should attract more lenders offering lower rates.





Borrowers create loan listings for up to $25,000 and set the maximum rate they are willing to pay a lender. Then the auction begins as people who lend bid down the interest rate. Once the auction ends, Prosper takes the bids with the lowest rates and combines them into one simple loan. Prosper handles all on-going loan administration tasks including loan repayment and collections on behalf of the matched borrower and lenders.





Prosper's rigid privacy policy reflects co-founder and Chief Executive Officer Chris Larsen's longstanding history as an advocate of stringent consumer financial privacy protection laws and practices. Prosper does not sell, rent, or share members' personal information with third party marketers. Prosper members are in control of how much personal information—if any—is revealed on the website and with other members. Prosper's security and identity verification systems are state of the art, and consistent with those used by banks, brokerages and institutional creditors.





Prosper generates revenue by collecting a one-time 1% or 2% fee on funded loans from borrowers, and assessing a 0.5% or 1.0% annual loan servicing fee to lenders. Backed by Accel Partners, Benchmark Capital, Fidelity Ventures, and Omidyar Network, Prosper has raised approximately $20 million. Prosper's marketplace platform is patent pending.
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Reply:take a look at this place


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Reply:Try Capital One Auto Loans. I was shocked I got approved cause I have a few things on my credit report that don't look to good. They approved me for 15,000. Hope this helps. Make sure you have a decent job and 3 refrences and will be able to make the payments on time. They want alot of information faxed before you use the loan check do it right or you will mess it all up. I applied online and got the check I believe 2 days later I was not even sure I was ready to do the loan in the 1st place but after I called them they told me it was a legit offer etc. Only thing is the rate kinda sucks but if you are in a bind like I was it will help

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