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If you find it hard to make sense of the different options, the Office of Fair Trading provides its APR and Rebate Calculator for free online. Trade-in flexibility BHPH dealerships tend to be more forgiving when it comes to accepting trade-ins on older model cars. But with secured auto loans you are supposed to pledge collateral against the loan and in most of the cases the car you are buying is the best option. After you've seen a few models, asked a host of car questions and possibly test driven one, the dealer will help you explore payment options. Bad credit auto loans and special financing are not necessarily only for people with bad credit. Although some BHPH dealerships will accept payment by phone or online, many require that you physically bring a check or cash to their location. Make sure you ask the dealership if reporting is a policy they follow. That's because these types of dealerships understand the value and benefit of getting long-term use out of cars that many traditional dealerships would not accept. To get the loan at more negotiable terms try to improve your credit status by paying some of your debts
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