Episode Details

> How do you buy a car with bad credit? Hector, finance manager at Payne Edinburg CDJR, and General Manager Adrian Gonzalez answer your car credit and financing questions: what credit score you really need, why it can be easier to get approved after a repo than with a past-due payment, how to "buy your credit back" with money down, whether a co-signer helps, $0 down vs. money down, 96-month car loans, negative equity, and dealership financing vs. your own bank.

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> Watch the full episode on YouTube: @adrianthecarguy1

> Follow Adrian The Car Guy: @adrianthecarguy

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> 00:00 Bad credit? How financing works

> 00:33 Welcome to The Smoke Break

> 02:06 What credit score do you need?

> 05:49 500 score or a repo: approved?

> 08:19 Should you pay cash for a car?

> 10:43 Does a co-signer help?

> 11:59 Collections and late payments

> 13:10 Pay off your debt first?

> 15:43 Can you buy a car with $0 down?

> 17:55 The monthly payment trap

> 20:06 What it costs to charge an EV

> 21:10 How to lower your payment

> 24:01 Negative equity on a trade-in

> 25:15 Dealership vs. your bank

> 27:08 Part 2 questions

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> This episode is general information about car financing, not financial advice. Every approval depends on the lender and your full credit history.