3 days ago
Car salesman reveals how to buy an automobile if you have ZERO credit score
A car salesman has revealed how you can buy a car even if you don't have a credit score.
Russell Richardson, known as RussFlipsWhips on social media, is a salesman at Biondi Motor Company Inc. - a Lincoln dealer in Monroeville, Pennsylvania.
He often posts advice for people looking to purchase new vehicles on his TikTok account, which has over 773,400 followers.
In his latest viral video, the expert shared tips for customers to get approved for a automobile at a dealership even if they don't have good credit.
'First things first, if you have enough time, get a prepaid credit card,' he suggested in his video.
'This is the type of credit card where you can pre-load money onto it. You're going to use that every month for gas and groceries, and you're going to pay it off every month.
'In just six months, you will have credit built up.'
For those who need to buy a car 'right now' and don't have six months to build up their credit, he said you can get approved by offering a huge down payment.
'First things first, you need to have money down. You've got to put skin in the game, or nobody's approve you with zero credit, because you have zero history of ever paying anybody back, so you need to bring some cash to the table,' he continued.
He said that '20 percent down' is the ideal number.
'If you can't get that number, it's going to be a little bit tougher to get approved, it's not impossible, but the more you put down, the more likely you are to get approved,' Russell explained.
According to the car salesman, being approved without credit has a lot to do with your job.
'You need to make sure you've been working at the same job for at least six months, ideally a year,' he detailed.
'If you've been working at your job for one month and you have no money down, you are not going to get approved.
'It's very unlikely. I'm not saying these things are impossible, but it's very tough to have that happen.
Russell's last tip was about the type of car to search for.
'You're going to want to look at something that is well within your means,' he told viewers.
'Don't try to stretch out the biggest car payment you can get, try to get the smallest car payment you can get.
'You want to look at a car that is newer. It's 2025 right now, if you can afford a brand new Toyota Camry or Honda Civic, go buy something like that that is well within your means.
'If it's not [within your means], look at something that's four years [old] or newer - so 2021 or newer - with relatively low mileage and you'll have a really good chance at getting approved.'
Many users rushed to the comment section to thank Russell for his advice.
'Solid advice,' one user wrote.
