If you have bad credit, you already know that you’ll have a higher interest rate to contend with. Still, at North End Motors in Canton, MA, we strive to provide 100% financing to anyone, no matter what your credit score is. We have some competitive rates to help you get the car you want.

With that said, there are some ways to lower your monthly payments. Let’s look at some of these options to consider.

1. Choose a Shorter Loan

If you can pay a higher amount, it might be best to go with a shorter time period. These have lower interest rates and mean you will pay less overall.

If you aren’t sure that you can handle the higher payments, then go with a larger loan term. You don’t want to end up not being able to afford it.

2. Purchase a New Car

It might not make sense to you to purchase a new car, but if you want to save money on interest, it’s the way to go. Used vehicles cost much more in interest, especially if you have bad credit. Looking at a new car loan or lease might offer the payments you want instead.

3. Avoid Add-Ons You Don’t Need

These small conveniences add up, especially if you don’t have the money for them. While we think rust-proofing and paint protection is valuable, if you can’t afford it, consider leaving it off.

4. Make Extra Payments

If you have a good month, go ahead and pay extra on your loan. The quicker you pay it off, the less interest you spend.

Get the Bad Credit Loan You Need

The friendly finance team at North End Motors in Canton, MA, is here to help. We want to see you in the car you want at a price you’re comfortable with. Explain your situation to us so we can find innovative solutions to help you.


Give us a call to today!

  • 781.205.2399

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