After I had some credit issues a few years back, it was a nightmare trying to buy a car. Non of the lenders would finance me, plus, I am a full-time student who does not have a lot of income. One of the dealerships that I visited told me about a finance company called Nicholas Financial located in West Palm Beach, Florida. Nicholas Financial works with people who have bad credit or other issues.
The people at Nicholas Financial are truly great. They are extremely helpful and they allowed me to rebuild my credit by giving me a loan on a car. Now, two and a half years later, I established enough credit that I just recently bought a brand new car with bank financing!
There are a few drawbacks to Nicholas Financial. First, there are the high interest rates. My interest rate was up around 28%. Then, there is the down payment. Nicholas Financial generally wants a nice down payment to establish some sort of stability.
However, Nicholas Financial was able to help me despite my bad credit and lack of income and work history. They can't create miracles, but they will sure try! In addition to my auto loan, I have also received a personal loan from Nicholas Financial, and again, the staff couldn't have been more helpful and polite.
If you are faced with credit problems, but would like to rebuild your credit, try Nicholas Financial. They might be able to help you just like they helped me!