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If you’re in Massachusetts, having bad credit doesn’t mean you can’t get an auto loan. In today’s economic climate, lenders understand that just because someone has poor credit history, it doesn’t automatically mean that they’re financially irresponsible. As long as you have a job or can prove that you have the ability to make timely payments on the loan, plenty of creditors will be happy to approve you. It’s true that you might have to pay higher interest rates. But in the long run, that’s a small price to pay for all the benefits that come with having your own vehicle. If you’ve been turned down, don’t let that discourage you – you’ve simply been asking the wrong lenders.

Car Buying and Dealership Requirements in Massachusetts

There are many rules that auto dealers need to follow. Working with a dealer who follows all of the laws and regulations is important, and gives you the best chance of going through a smooth, hassle-free purchase. Here are some of those rules in the state of Massachusetts:

Driving in the Top 5 Cities of Massachusetts

  • Like a number of other states, Massachusetts has a strong Lemon Law. In this state, it has provisions for both new and used vehicles. The law is designed to protect consumers from vehicles that are unsafe, or have substantial defects. The MA version of the law has an additional clause dubbed “Lemon Aid”, which states that anyone who purchases a new or used vehicle that fails to pass inspection within 7 days of the purchase has a right to a refund, as long as repairs would cost more than 10% of the total purchase price.
  • The Massachusetts Used Car Warranty Law states that consumers have a right to a refund if an issue arises during the warranty period that impairs the safety or use of the vehicle.
  • The same law also protects consumers against defects after the warranty period, on two conditions: 1) There’s been 3 or more repair attempts for the same defect, or 2) The vehicle was out of service for a total of at least 10 days after being returned for a repair or defect.
  • The defect must initially arise during the 30, 60, or 90-day period listed on your warranty. The warranty is automatically extended 1 day for each day your vehicle is in the shop for repairs.
  • It is illegal for a dealer to sell a vehicle “with all faults”, “as is”, or with a “50/50 warranty”.

1. Boston, MA

Boston is one of the most unique, storied cities in America. Whether your a die-hard sports fan, a history buff, or just enjoy want to enjoy a scenic area with low crime and pollution, this city has something to offer you.

When it comes to transportation, Boston is an interesting city. The city’s downtown streets grew naturally over time, without the guidance of a planned grid. As a result, they have become notorious among some for their difficulty to navigate. This undoubtedly contributes to the fact that Bostonites typically prefer to walk, or use public transit. Still, there are undeniable perks that come with having your own vehicle, even if it takes some time getting used to the streets here.

2. Worcester, MA

The second biggest city in Massachusetts – as well as the second biggest in New England, Worcester has many similarities with Boston. People here enjoy a high standard of living with a plethora of quality universities, a rich history, and many cultural events, like the Worcester Music Festival.

Despite these similarities, Worcester is significantly easier for drivers to navigate than Boston. Several interstate highways go by Worcester: I-290 connects Central Worcester to I-495, I-90, and I-395. I-190 connects Worcester to MA Route 2, along with the towns of Fitchburg and Leominster.

3. Springfield, MA

Springfield is the largest city in Western New England, as well as the economic and cultural center of the Connecticut River Valley. It was the home of James Naismith, the inventor of basketball, beloved children’s author Dr. Seuss, LSD activist Timothy Leary, and holds the current headquarters of gun manufacturer Smith & Wesson.

Springfield and its surrounding area is filled with all sorts of interesting museums, periodic festivals, and parks. While the public transportation is adequate here, these are best explored independently by vehicle. Driving here is a pleasure, and can be done easily via the Massachusetts Turnpike (I-90), I-91, or I-291.

4. Lowell, MA

Named after Francis Cabot Lowell, this city was originally founded as a mill town, and eventually became known as the cradle of the American Industrial Revolution. It’s also notable for the Cambodian refugees it took in during the Cambodian genocide, and currently has the second highest population of Cambodians in the US.

For drivers, the city is accessible via I-495, US Route 3, the Lowell Connector, and MA Routes 3A, 38, 110, 113, and 133. There are six bridges that cross the Merrimack River here, as well as four that cross the Concord River.

5. Cambridge, MA

Cambridge is widely recognized as an educational and intellectual center due to its prestigious universities. The most notable ones are Harvard and MIT, but Le Cordon Bleu, Hult International Business School, and Cambridge College are also among the quality institutions located here. Route 2, Route 16, and Route 28 are all viable transportation options if you have a car.

Whether you’re in the middle of Boston or on the outskirts of a smaller town, it’s nice to have access to a vehicle in Massachusetts. Finding a loan doesn’t have to be a hassle just because you have bad credit, either. Plenty of lenders here are willing to work with you, whatever your credit situation is. And once you secure a loan, the state’s laws will be effective at ensuring you don’t fall victim to a faulty vehicle.