Selecting a vehicle with bad credit in Albany, NY

Credit ninja now vehicle options!

Finding a vehicle can be a gruelling process even if you have an outstanding credit score.

I’ve spent 20 years in the car business and if there is one thing that ive learned, if you are in a situation with bad credit, then you want go with something newer, low mileage and best bang for the buck!

dont go with high mileage, high line car. Go with a great commuter car to build your credit score.

Here is how you will benefit;

  • Lower interest rate
  • Most likely under warranty
  •  Fuel efficient
  • Affordable car overall
  • Higher resale value

Click here to get vehicle options that fit these guidelines!

Get Vehicle Options Fast

Credit ninja now vehicle options!

If you are like us, you don’t have the time to be going from car dealership to car dealership picking out cars, only to find out you can NOT get approved on the car you picked out.

Bad credit vehicle options up front

Credit Ninja Now offers people who want options for good, quality, late model vehicles they know they can pick up when they drive there,

Let us get you the bank loan approval first and match that with a vehicle.

(click here to get started faster)

Vehicle options for bad credit

With servicing the capital region and Troy, NY for over 12 years, we have a network of auto dealerships involved with our Credit Ninja Now Program and our free home delivery service with Dealer Jockey. Where we bring the car straight to you, if you don’t like your new car,  send it back!

What to do if you don’t have GAP insurance on your car loan

Credit Ninja Now Gap Insurance

Click here to get an approval and pay off your GAP

GAP insurance covers the difference between what you owe on a car and the value.

If you are like most Americans, in the early stages of an auto loan, you owe more than the car is worth.

In the event you total your car and the insurance company only pays off what the car is worth (NADA value or Kelly Blue Book value) but you still owe more after the insurance company pays your bank loan; that is called your GAP.

Most lenders/banks offer gap insurance automatically and offer a waiver if you want to decline, so chances are you may have GAP insurance if you don’t remember signing a GAP waiver when you did you paperwork when you picked up your new car.

Click Here for NYS laws on GAP Waivers and Lending

Here is what you can do if you find yourself in a GAP situation; 

  1. Pay if off out of your pocket
  2. Roll what’s left into your new car purchase – your vehicle options may be limited because of the loan-to-value, but this will give you time on paying the balance down while in a dependable vehicle.
  3. Default completely and charge the auto loan off (we do not recommend this option for it will be devastating to you credit and you will make it almost impossible.)


Click here to get an approval and pay off your GAP

A different way to get a great vehicle.

Tired of visiting dealerships? Let us show you how to get a vehicle purchase done fast and affordable. Click HERE to get options right away, just a few questions to save you time and money.

(1) Get an approval; (2) Select a vehicle based on the guidelines of the lender.


First, realize you are not alone if you are in this situation. Over 50% of the country is suffering from below-average credit, making it difficult to purchase a safe, and affordable vehicle when you need it the most. Lenders no longer allow people to borrow more than they can afford, which may be why you are here to being with.
In the past, you were able to find a vehicle you liked, sign paperwork, and drive off. Allow me to explain why you may be having a difficult time securing your finances nowadays.


Unfortunately, lenders can no longer loan consumers more money than a car is worth, especially with below-average credit. Companies changed their ways because others may have defaulted on their loan, and the lenders had to take the car back, to sell at auction. There, they would only recover a small percentage of what they advanced on the car, to allow you to purchase it, resulting in a loss for the bank. Therefore, they are minimizing their loss, by lending you less money.


Tom, who works 40-hours a week, would like to buy a car. He is able to afford a car payment of a couple of hundred dollars, however, he does not have enough money to put down in advance.
After spending several hours, at different dealerships, Tom finds his dream car- a Toyota!
(Or so he thought…)
While Tom believed his car was great, the bank did not. By using Kelly Blue Book values, the bank discovered that Tom’s car of choice is worth $15,000.
As Tom has below-average credit, He had trouble searching for a bank to approve him. Finally, the bank that did, only allowed him a max-loan of 80% the Kelly Blue Book value, and only if the car has less than 50,000 miles on it.
The bank would like to help Tom succeed, unlike his past ventures, and they understand the difficulties of buying a car with higher mileage. Cars with higher mileage have a greater chance of breaking down, regardless of the fact that Tom may be a mechanic. Now, in this situation, Tom may be forced between making a car payment or fix his car. Tom may only have enough money to get his car fixed, one month, which would put him back on his payments.

Why it never works!

Based on the 80% of the $15,000 the car is worth, Tom acquires a loan amount approved for $12,000. Alas, leaving an unpaid balance of $3000, not including tax. As Tom now has to put $3000 in advance, this plan does not work… What should Tom do?
Continue to visit different dealerships, in hopes of finding another “perfect” car he would not be able to afford?
Tom would call the company that can offer him guaranteed vehicle options immediately.

Guaranteed Vehicle Options Program 

You guessed it! Tom put in his application HERE
After discussing Tom’s situation, and future goals, he submitted an application with us, a specialized department specifically designed to help people rebuild or establish auto credit. Tom was approved for the 90% loan-to-value. However, we found his approval first, and next we found his dream car shortly thereafter!
Car Credit Ninja did the math, and the search! In order to find Tom the Toyota he wanted, it was necessary to find one for sale for less than the 80% of its worth.  We found Tom a great deal on a Toyota at a dealership 120 miles away from his home. Tom saved time and money on searching for a car that is for sale at a 20% discount.
Tom received detailed pictures, 3rd party condition reports, and did not have to sign any paperwork until he drove the car and agreed to everything by his own terms.
Tom had the car delivered to his home, arriving only a few hours later. Now, he is on his way to rebuilding his credit because of a simple, educated and practical decision.
Tom is a valued customer. We love Tom.

Get options now, Click HERE to fill out a short form and a representative will call you right away with options!