Need a new vehicle, but your credit is less-than-perfect? Unfortunately, your credit score plays a significant role in the car buying process. If you don’t have ideal credit, you may not be able to enjoy the conveniences of those with more favorable credit, but that doesn’t mean you can’t get behind the wheel of a top-quality car for an affordable price. Here is a complete guide to buying a used car with no-so-perfect credit:

First, budgeting. You need to determine how much money you can spend on a new-to-you vehicle. In order to do this, take a look at how much money you make and spend per month. Additionally, take a look at your savings account. Once you determine how much money you can afford to pay per month, plus how much you can put down for a down payment, you can shop for a car within your budget. Don’t forget to consider costs like gas, maintenance, and insurance when determining your budget.

Next up, start saving. Once you know you want to purchase a vehicle, start setting aside money to use for your down payment. The larger your down payment, the less your monthly payments will cost. Plus, a large down payment opens up your opportunities for a wider selection of loans.

You can buy a car almost anywhere, but it’s best to shop with a trustworthy dealership. When you shop with a reliable dealership, you can have peace of mind as you shop. The best dealerships have knowledgeable sales staff, skilled mechanics, and a team of financial experts who can help you finance your vehicle at the dealership. Consider working with a dealership that offers a team of experts to help you apply for a loan that is within your financial capabilities.

Once you’ve determined your budget, set aside some cash, and found the perfect dealership, you’re ready to shop for your car. Consider working with our team at Scotti’s Auto Sales to get behind the wheel of a vehicle you deserve. We are located at 2811 Bee Ridge Road in Sarasota, and we can help you buy a car no matter your credit score.