Schedule a meeting with the bank or credit union that issued the original loan. The loan issuer might be able to re-write the loan so it's in your name and the title is sent directly to you when the vehicle's paid off. The terms and conditions of the ... more >>

Contact the auto lender and check your loan balance. Before you can refinance an auto loan with bad credit, you'll need to know the actual loan balance. Call your lender and speak with a customer service representative. This information is also available ... more >>

Hide your car at a friend's house, so the bank can't find your car. Repossession experts will do just about anything to find out where your car is. There job is to find the car. They want to keep the contract with the bank, so they want to do the job ... more >>

Choose whether you are going to hide your car from the bank or whether you are going to turn it over gracefully. If you want to hide your car, you are going to have to be clever. The bank will send a repo man who gets paid to find your car. He'll go to ... more >>

Work with the creditor to accept late payments or even change your payment date. You can do this in writing or orally, or by the creditor taking your payments without complaint, even if they aren't made on the date according to the original agreement. ... more >>

Know your credit score. It is obtainable through one of the three credit bureaus and other financial Internet-based companies. Credit scores might cost a nominal fee to obtain.Research the current interest rates. The websites of many financial ... more >>

Determine what you'll use as collateral. The most common secured car loan is taken against home equity. If you have a boat or any other valuable property, you can use that. Keep in mind that the higher the collateral's value, the lower your interest ... more >>

Open a search engine on your computer. There are several different options for search engines, so use your favorite. Each may have different results when you search, so it might be a good idea to use a few different engines.Go to Shareware Island for a ... more >>

Know your credit score and history. This is something that's good to know always, but definitely, if you want to rent a car, know where you stand before you approach the rental company. Get your credit report and scores online from Equifax or another ... more >>

When negotiating with the salesperson or sales manager on the price of the vehicle, always tell them it's a "cash" transaction. This is true if you are paying cash or financing, because it's cash that will be given to the dealership when the ... more >>

Research repo car auctions in your local area. Usually there is at least 1 weekly or weekend auction in the major metropolitan areas.Attend a few auctions without bidding first so you can get a feel for what you're getting involved in. This way, you know ... more >>

Know how tax liens affect your credit report and score. Know that the usual seven-year rule does not apply to tax liens. A tax lien will stay on your credit report and continue to affect your credit score until you pay it.Find a lender who will work with ... more >>

Search the local classified advertisements and legal notices in the newspaper. Some auction companies list regular ads with the date, time and location of their auctions. Most state laws require the auction companies to list a legal notice with the ... more >>

Contact your lender. Chances are that they already called you or sent letters before repossessing the vehicle. You need to find out what their plans are for your vehicle.See if you can negotiate with the lender. Depending on the situation, you may be ... more >>

Inquire with the finance company or bank where you have your car financed to see if it will work with you on refinancing to get your repo vehicle back. Many times, it's less expensive for the company to help you refinance than it is to sell your vehicle ... more >>

Drive the car if you can. Not all auction sites that sell repossessed vehicles allow you to drive them, but you can at least sit in the driver's seat and start up the vehicle. Get to the auction early or even the day before the official auction to get a ... more >>

Wait at least one to two years before financing another vehicle. Rather than immediately apply for a new vehicle loan, give yourself time to rebuild credit. Besides, applying for a new loan after a repossession results in a ridiculously high interest ... more >>

Visit a car lot that will finance you regardless of your credit. Most of these car lots will give you no credit check car loans on vehicles below a certain price. The car lot will require proof of income and a valid driver's license.See if a local major ... more >>

Consult NADA or the Kelley Blue Book to determine the value of your car. Do your own research so you'll recognize a fair offer.Show your car title, show proof of liability insurance, list your current employer and be a United States citizen with at least ... more >>