1.) How will this help me in shopping for a car?
2.) Is my privacy protected?
3.) Why do you need my Social Security Number?
4.) Does this service cost anything?
5.) What is "Bad Credit"?
6.) How can having bad credit hurt you?
7.) How can I improve my Credit Score?
8.) I am looking to borrow for an Auto loan of $10,000, - $50,000 or more. How much can I borrow?
9.) Can I even get an Auto loan if I’ve had a bankruptcy?
10.) Are there rules for down payments?
11.) What is interest rate going to be?
12.) So each credit profile is different?
13.) I am a first time buyer with no credit history?
14.) Can I finance through a private owner?

Q. How will this help me in shopping for a car?
A. Basically put MoreCarCredit.com is a company specializing in car credit information and auto loans for people with bad credit. MoreCarCredit.com will assist you to find competitive rates through our nation wide lenders for you to make an educated consumer decision. Having 10 years in the car industry we already have the relationships you are looking for. Skip the dealership and fill out the application.

Q. Is my privacy protected?
A. Absolutely! MoreCarCredit.com is a SSL secure website. We keep everything confidential and maintain the strictest encryption of sensitive information. MoreCarCredit.com will always maintain the highest level of security for our customers and clients.

Q. Why do you need my Social Security Number?
A. Every person has a different credit situation. Your social security number will allow us to pull your credit to search our lenders and pinpoint your exact credit situation and will assist you to find competitive rates for you to make an educated consumer decision.

Q. Does this service cost anything?
A. NO this service is 100% free we are here to get the vehicle of your dreams. Fill out the application and you could be driving tomorrow. It’s that Easy.

Q. What is "Bad Credit"?
A. Having poor credit is an uncomfortable subject for many. Many people who have bad credit often find themselves in difficult situations financially. But what exactly does it mean to have "bad credit," "blemished credit," or "less-than-perfect credit?" Well, it can mean a few things. A person can have bad credit from not paying their credit card bills or monthly mortgage payments on time or missing them altogether. It may be that you shared account(s) with person(s) It may be that you shared an account or two with your spouse who had bad borrowing habits which affected your credit. Or it could be that you've gone through a bankruptcy or foreclosure process. It can also mean having a low credit score. Credit scores can range from approximately 300 to 850, though that range may differ depending on which credit reporting bureau is computing the score since each uses different algorithms. Your credit score is affected by numerous things such as whether you pay your bills on time, whether or not you borrow a lot of money from numerous accounts, the amount of time you've been borrowing, and the types of credit you're using (e.g. auto loan, mortgage, credit cards, etc.) The more negative marks you have on your credit report (such as late payments, bankruptcies, etc.), the lower your credit score.

Q. How Can Having Bad Credit Hurt You?
A. Having a poor credit history or a low credit score can seriously affect you financially. One thing that can happen is that you could be denied credit. A low credit score indicates to lenders that you are a high-risk borrower and they may not be willing to lend you money. Another is that if you aren't denied credit, it may be more expensive for you to get credit. You may have to pay more in fees or with a higher interest rate which will increase your monthly payment. Loans of this type are known as "sub-prime loans." They usually come with a higher interest rate, but they can also help you consolidate debt and pay off some credit cards.

Q. How to Improve Your Credit Score?
A. Having poor credit is difficult but you can take steps to improve your situation. An important step to take is to find out what your credit score is and what appears on your credit report. You'll be in a better position to know how to improve your situation. And if you can improve your financial situation, you'll become a better borrower able to qualify for better loans.
Pay off your debt; - don't just move it from account to account.
Pay your bills on time!

Q. I am looking to borrow for an Auto loan of $10,000, - $50,000 or more. How much can I borrow?
A. That depends on personal credit information. Credit rating is dependant on how much money you have, how much money you owe, and whether you’re past bill have been paid on time. Also based on those facts MoreCarCredit.com can determine which loan is right for you and how much you qualify for. By filling out this application to see what you qualify for.

Q. Can I even get an Auto loan if I’ve had a bankruptcy?
A. Absolutely, anyone can get a loan or financing even if they had bankruptcy remember banks are institution that play on risk and reward as long as the bankruptcy is discharge and you have made proper step to improve or payback your dept. You can qualified for a loan even if you had a bankruptcy.

Q. Are there rules for down payments?
A. Although a down payment is not required and in most cases a car is financed with no down payment, it may be beneficial to have a down payment. Depending on your credit profile will determine your credit rating which in turn will determine how much down payment you will need. Certainly, having more of a down payment decreases the risk the lender is exposed to; therefore a larger down payment can decrease your interest rate.

Q. What is interest credit rate going to be?
A. MoreCarCredit.com hears this question often. Rates are based on your credit profile and the equity position of the loan. Sub prime banks issues interest rates based on the potential risk that the loan is not going to be paid back. So again the interest rate is determined based on your current credit profile. The higher your credit rating and larger the down payment the lower your interest rates will be. Also, the model year of the vehicle plays an important role. Rates generally increase 1 point per model year. The older the car the higher the rate.

Q. So each credit profile is different?
A. Yes, this is a benefit to filling out the application here using the service. MoreCarCredit.com can view your application instantly and can explore competitive rates for you quickly.

Q. I am a first time buyer with no credit history?
A. Excellent, you’re in the right place. MoreCarCredit.com has many different programs specific to your needs. MoreCarCredit.com instantly will match you with the correct loan program based on what you want and your income level.

Q. Can I finance my Auto purchase through a private owner?
A. Since MoreCarCredit.com cannot determine the quality or dependabilty of the car you are financing through a private owner MoreCarCredit.com cannot garentee the car you are buying privately is worth the amount. No, MoreCarCredit.com cannot guarantee the car you are buying privately is worth the amount. No way to determine the quality or the dependability of the car.

* The statements contained in the website should not be construed as guarantees and are not meant to substitute for financial and/or legal advice.