Are credit union somewhat more laissez-faire? My employer is affiliated with a credit alliance (Kemba). Are they more

My employer is affiliated with a credit alliance (Kemba). Are they more lenient on contribute auto loans to people near bad credit? Would it be better than going to one of those buy here wages here dealerships?

Slightly because it is set up to bring the payment surrounded by weekly bites right out of your paycheck, so the risk factor goes down

In my experience with a credit coalition they are not more lenient near ANYTHING.I openned an account near Patelco Credit Union and I couldn't even get a check card because of my credit!!

My suggestion to you is to try - you never know- it is better than individual financed thru a company that the dealer have provided..trust me I know...

If the credit union denies you try HSBC Auto Finance or Capital One Auto Finance they are two companies that are particular to take on impossible credit...I am with HSBC...be prepared to discharge high interest rate

Answers: I would try to go to the credit league first and see what they say. They will own better rates than the "buy here pay here" dealership will, and they may be prepared to work with you. They are commonly more concerned about the customer service than bank are - but if you have really doomed to failure credit it is possible that they will not offer you a loan. But I would try it first, and solitary use the dealer financing as a ultimate resort.
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