Hi. I need to buy a car, but my crdit is damaged. If i give a good downpayment, will I be able to buy a car?

Asked by Dec 29, 2013 at 11:48 PM about the 2013 Dodge Avenger SE

Question type: Shopping & Pricing

Hi. I am looking for a car between $10000.00 to $13000.00. I need to finance, but my credit is bad. Would I be able to buy it with a good downpayment? Thanksss.

5 Answers


Depends on how bad your credit is. You'll have to pay a higher interest rate because to the lender you're a greater risk. If you're in bankruptcy or have a past repo you're best option is probably a buy here pay here place. Another thing to consider is how old are the bad credit issues? According to The Fair Credit Reporting Act these bad things can only stay on your credit report for so many years (the time period varies from state to state). After the time period has elapsed the bad items MUST be removed. If not you have the right to file suit against the reporting agencies for defamation of credit. HTH. -Jim

2 people found this helpful.
Best Answer Mark helpful

best bet is either a co-signer or buy here pay here lot, at that point the buy here pay here you pay twice what the car is usually worth, with a co-signer you would have a better chance, or face the 10% plus interest rate at a car lot

1 people found this helpful.

Try to stay away from a buy here pay here. They are in house financing so it will not help you credit at all. If you can afford a big down payment, I would suggest doing some heavy searching and buy a car from an individual for $3000 to $5000 cash.

1 people found this helpful.



Mine and my husbands credit SUCKS! As a matter of fact, he came back (on one report), as having NO credit at all! Skopos (in Texas), financed me, with my husband co-signing. We live in Rolla, Missouri, so we went to Kingdom KIA. We got financed with $1,500 down on our debit card, and my 1986 Chevy Camaro as a $1,000 trade-in! We got a 2012 Dodge Avenger, I think it's an ES, or an SE, but not sure. So far, it's a great car and we love it! So if you can find a DEALERSHIP that uses Skopos as one of their lending companies, they should help you.

Your Answer


Looking for a Used Avenger in your area?

CarGurus has 3,437 nationwide Avenger listings starting at $2,500.

Get More Money for Your Car
Be seen by 20 million shoppers. Create Your Free Listing

Dodge Avenger Experts

  • #1
    Tom Demyan
  • #2
    Janis Jackson
  • #3
View All

Related Models For Sale

Used Dodge Charger
242 Great Deals out of 32,689 listings starting at $1,800
Used Dodge Challenger
111 Great Deals out of 25,139 listings starting at $7,995
Used Dodge Dart
149 Great Deals out of 6,890 listings starting at $3,995
Used Chevrolet Malibu
480 Great Deals out of 49,315 listings starting at $2,000
Used Chrysler 200
204 Great Deals out of 12,670 listings starting at $2,300
Used Ford Fusion
576 Great Deals out of 61,479 listings starting at $1,500
Used Nissan Altima
720 Great Deals out of 70,157 listings starting at $1,495
Used Chevrolet Impala
397 Great Deals out of 25,595 listings starting at $799
Used Chevrolet Camaro
224 Great Deals out of 28,922 listings starting at $3,900
Used Ford Mustang
270 Great Deals out of 37,082 listings starting at $2,150
Used Honda Accord
424 Great Deals out of 101,059 listings starting at $1,200
Used Chevrolet Cruze
488 Great Deals out of 62,234 listings starting at $2,700
Used Dodge Caliber
19 Great Deals out of 1,491 listings starting at $2,000
Used Honda Civic
333 Great Deals out of 52,980 listings starting at $1,200
Used Toyota Camry
761 Great Deals out of 70,900 listings starting at $1,200

Used Cars For Sale

2014 Dodge Avenger SE For Sale
12 Great Deals out of 673 listings starting at $3,991
2013 Dodge Avenger SE For Sale
14 Great Deals out of 724 listings starting at $4,495
2012 Dodge Avenger SE For Sale
347 listings starting at $3,900

Content submitted by Users is not endorsed by CarGurus, does not express the opinions of CarGurus, and should not be considered reviewed, screened, or approved by CarGurus. Please refer to CarGurus Terms of Use.