Can You Finance a Car With No Credit?

Woman Using Calculator

Yes! It is possible to finance a car if you have bad credit or have yet to establish credit. It can be more of a challenge, but it’s not impossible. We have details on no credit car loans and even financing a car with bad credit with us at Acura of Baton Rouge. You can also stop by to talk to our finance department about your loan options.

Financing with Bad or Even No Credit

If you are financing a car with no credit, it is likely that your down payment may be more than the average. Your interest rates will more than likely be higher as well. When shopping for a vehicle, be sure to set a budget and stick to it. Remember to leave a little bit of wiggle room. It is also important to keep the following tips in mind.

  • Ask any questions that you may have and don’t assume you will be denied: You may be given a financing option and feel like that is your only choice. However, that is not always true. Ask questions and see if there are other options that would be more beneficial to you.
  • Try to boost your credit score: If you have bad credit, there are a few things you can do to help improve your score. Use your credit card on small things and immediately pay it off. This is a great way to start rebuilding your credit.
  • Know your budget and your credit score (if you have one): When applying for financing, your credit score can take a hit. Keep all of your loan applications within a 14-day period to limit the potential damage on your score.
  • Separate price negotiation from financing: The first offer isn’t the only one. Many dealerships go through multiple lenders.
  • Be prepared for a higher cost: If you have no credit, you will likely receive higher interest rates and will need to make a larger down payment.
  • Leasing could be a great alternative: Remember to keep leasing in mind! Your lease payments will likely be higher as well, but they should be lower than they would be if you opted for traditional financing.

Apply for a Loan at Acura of Baton Rouge

At Acura of Baton Rouge, our finance team takes the hassle out of obtaining the bad credit car loan. See our bad credit car finance options, leasing options, and more when you stop by and visit us in Baton Rouge. You also have the option to apply for financing online to get pre-approved. If you still have any questions about the financing process, like how car financing works or help understanding what is considered good mileage on a used car or refinancing a car loan, do not hesitate to contact us. Learn more about auto financing with our coverage of good interest rates for a car loan.


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225-435-8060

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13550 Airline Hwy • Baton Rouge, LA 70817

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Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7:30am-6pm

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Acura of Baton Rouge 30.3731452, -91.0337258.