Buying a vehicle with a conventional car loan is pretty straightforward. You borrow money from a lending institution and make monthly payments for some number of years. A chunk of each payment is interest, and the rest is principal. As you repay the principal, you build equity until - by the end of the loan - the car is all yours. You can keep it as long as you like and modify it however you choose. The only penalty for modification or abuse could be a lower resale value down the road.


Do you have to have bad credit?

  • You do not need to have credit issues to be a client! In fact, we offer competitive interest rates specifically for people with good credit also. Ask your service consultant for details and terms or call our approvals line at 800-419-6080


Can you finance someone with no credit?

  • We sure can! If you haven’t established your credit history, BCWC can still help you purchase a vehicle. Simply start our easy, online approval and get your down payment amount before you shop.


What will my monthly payment be?

  • BCWC is focused on ensuring our payments work with our customers’ budget. The best way to lower the payments is by having a larger down payment or taking advantage of our rate buy-down program. We can also look at a less expensive car to lower your payments. You will know your exact monthly payment once you are approved and decide what vehicle you want.


Is Bad Credit Who Cares a bank?

  • At BCWC, we have the ability to utilize partnered finance companies. This allows us to be more flexible with finance terms depending on your unique situation. We are not a bank or direct lender.


What will my down payment be?

  • Unlike the majority of dealership experiences you may have had, we don’t have the same down payments for everyone. We customize our down payments per vehicle and per customer. Typically, higher priced vehicles require a higher down payment, which is pretty standard. We will let you know what your minimum down payment will be on each vehicle and you can decide how much you want to put down.


Do you run a credit check?

  • One of our authorized dealerships will run a credit check. But don’t worry! Your credit report and score aren’t the only factors we take into consideration when building your customized approval. We take many other factors into consideration so we can offer you the best possible terms.


What are your interest rates?

  • BCWC offers interest rates as low as 0% on approved credit. Maximum interest rates are typically determined by each state’s usury limit laws (maximum allowable interest rate by law). One thing that is different with BCWC is that you work directly with us to build your loan. Only this way, will you be able to find the right vehicle, down payment and term to get the rate you are looking for. To find your approval amount, start your approval online.


Can I get approved online?

  • Yes! BCWC offers customized online approvals. It’s easy and only takes minutes. In most cases, you’ll receive an instant confirmation of your approval amount so you can start car shopping right away.