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It’s easy to become discouraged when you need an auto loan in Utah, but you keep finding lenders are denying your credit application. You know your score is bad, but you’re hopeful someone is willing to work with you in terms of finding credit to offer. It’s not easy with bad credit, and there are so many reasons you might have bad credit. The most common reasons are defaulted loans, bankruptcy, missed payments, and loss of income. It happens to good people just as often as it happens to those who just don’t care about their credit. While bad credit seems like the end of the world, it’s not always. There is hope for you if your recent credit history is favorable if you need a car loan.

What does this mean? What this means is all negative items on your credit report are there to bring down your score, and they stick around for seven years. If you had a bad period in the past but you’ve been able to make your payments every month and work on paying off your debt in the meantime, you can find a way to get your credit in order. It’s not easy to improve your score until the negatives fall off your report, but there are lenders who do look at how long ago your negative items appeared on your credit report. If you can find a way to make your payments on time and wok on your score now, you might find a lender willing to provide you with a car loan thanks to your recent good credit history.

Credit unions are good about this. They love to work with their customers, because these are lenders that value their customers. They prefer to see that you have a good recent credit history versus anything else. They’re less concerned about your past mistakes as they are about how you’ve been managing your finances in recent months. If you have an existing relationship with a credit union, you might find they’re willing to work with you.

If you have a dealership in mind, check to see if they work with bad credit borrowers. Many do have a policy in place that allows them to work with people who have bad credit that’s close to fair. They can offer loans with high interest rates. They might require you purchase a car that’s newer, has lower mileage, and has a specific value. You might not get the car you want if you cannot afford to pay for it with the interest that’ll come with your new purchase, but there are numerous vehicles you’ll be able to choose from on these lots.

If your credit is bad, it’s bad recently, and your financial situation isn’t looking great, you might need to go to a buy here, pay here lot. It’s not the best case scenario, and it’s one you should avoid at all costs is possible. If not, know ahead of time these loans are not reported on your credit. This means you won’t have anything to show for making your payments on time. It also means you’ll make two monthly payments, which is often unaffordable to buyers.

Buying and Dealer Regulations in Utah

There are state laws in place to protect those who buy a new or used car in Utah. Your job is to find a dealership that adheres to all the rules. If you work with a large dealer that has the backing of a well-known vehicle manufacturer on the sign, you can shop confidently knowing the dealer has all the proper licenses and certifications. This means the salespeople at these locations will also have the required paperwork and licenses it takes to sell you a car.

You also want to ask about the mechanic on duty. All dealers need one to inspect the vehicles they bring on to the lot to sell, and they should be repaired of all dangerous or questionable issues before they go onto the lot. It’s against the law for any dealer to refuse to provide a customer with a Carfax history report of the car they want if they’re asked. This report is free for customers, and no dealer can refuse to provide it according to state law.

Driving in Utah

Utah is a lovely place with many mountainous areas, and many beautiful winter days filled with snow. It’s not fast driving in the winter when the snow is falling and the city is covered in fluffy white now, but it’s lovely. If you’re driving in the biggest cities, you’ll want to allot more time, expect more in terms of your insurance premiums, and you’ll want to find a safe place to park. The biggest cities are Salt Lake City, West Valley City, Provo, West Jordan, and Orem. Traffic is heavier in these locations, but it’s not awful.

Driving laws are the same here as they are everywhere else in the nation, but there are a few Utah-specific driving laws you must be aware of before you get behind the wheel of a car. If you are driving along the highway in Utah, all birds flying or sitting on the road in front of you have the right of way. Be prepared to stop for them. It’s also illegal to walk on the cracks of sidewalks along highways, and all drivers are encouraged to watch out for pedestrians who commit such a heinous crime.

Utah is a beautiful state, and it has much to offer. If you need a car but don’t have the credit to purchase one, you aren’t out of luck just yet. Most people are successfully able to find financing when they put their mind to it, and you’re not an exception to this rule. You can find the right kind of financing if you only know where to look, which is what you want when you have the need for a new car.