How to rebuild your credit with a car loan

Payment history is the biggest single factor in most credit scores. An auto loan paid on time is a powerful way to rewrite yours.

Set yourself up to never miss

• Line payments up with payday — weekly or bi-weekly if you're paid that way
• Set reminders or recurring payments (call (570) 593-5278 to set them up)
• Keep a small cushion in checking for the payment

Don't stop at the car

Keep other balances low, pay every bill on time, and avoid opening a lot of new accounts at once.

Check your progress

Pull your reports at AnnualCreditReport.com every few months to confirm your payments are showing up and there are no errors.

After 12–24 months

With a solid track record, you may qualify for better rates on your next vehicle. Many of our customers come back for their next car with a much stronger file.

Start rebuilding — get pre-approved.