About Bad Credit Auto Blog

Who we are, what we cover, and how this site stays free.

Bad Credit Auto Blog exists for one reason: to help regular people buy a car when their credit is shot.

Most car-buying advice online assumes you have a 700 credit score and a dealership finance manager who likes you. That is not who we write for. We write for the person with a 500 credit score, a repo on their record, or no credit history at all — the person who keeps hearing "no" and needs someone to explain, in plain language, how to get to "yes."

What we cover

• How much down payment you actually need with bad credit, and how to save it
• What interest rates to expect at every credit score, and how to avoid getting ripped off
• Buy-here-pay-here lots: how they work, the traps, and the questions to ask
• Refinancing, repossession, deficiency balances, and digging out afterward
• Free calculators that do the math for you — no finance degree required

How we make money

This site is free to use. We keep the lights on with advertising and affiliate links — if you buy something through a link on this site, we may earn a commission at no extra cost to you. It never changes what we recommend. Every article is written to give you the straight answer, not to sell you something.

Who runs this

Bad Credit Auto Blog is run by Michael Madrigal, an independent publisher. We are not a lender, a dealership, or a credit repair company, and we do not sell cars or loans. Everything on this site is educational information — not financial, legal, or tax advice.

I learned this stuff the hard way so you don’t have to. I write about buying cars with bad credit the way I’d tell a friend — straight, no jargon, no hype. Dealers count on you not knowing the game. Now you will.

Questions? Reach us at [email protected].