Bad credit doesn't have to affect your ability to obtain vehicle financing. The finance department here at Bert Smith BMW works with a number of creditors to serve people of various credit backgrounds. However, we do recommend that you take steps to improve your credit rating. Give these a try.

You'll want to do all you can to make current and future payments on time. A pattern of on-time payments can significantly help to overcome past issues. If you do see yourself falling behind, give the creditor a call. Sometimes they will work with you to allow you time to catch up.

If you're having trouble getting credit in your name, you might want to shoot for a secured credit card. This type of card requires a security deposit, but approval is much easier. Another way to begin to rebuild your credit could be to become an authorized user on a close friend or parent's account.