Educational Purposes Only

The content published on badcreditcarguy.com — including all videos, blog articles, guides, calculators, emails, and any other materials — is provided for educational and informational purposes only. It is based on the personal experience and opinions of Gary, a 26-year veteran General Manager of an independent used car dealership.

Nothing on this website constitutes financial advice, legal advice, credit counseling, or any other form of professional advice. The information provided should not be relied upon as a substitute for consultation with qualified financial, legal, or credit professionals.

No Guarantee of Results

Every individual’s financial situation, credit profile, and circumstances are unique. Information shared on this website reflects general experience and may not apply to your specific situation. Results discussed or implied in any content on this site are not guaranteed. Getting approved for an auto loan depends on many factors including but not limited to your credit profile, income, employment history, down payment, the vehicle you are purchasing, and the specific lender reviewing your application.

Bad Credit Car Guy makes no guarantee that following any advice or information provided on this website will result in loan approval, specific loan terms, or any particular financial outcome.

Not a Lender or Financial Institution

Bad Credit Car Guy is not a lender, bank, credit union, finance company, or any other financial institution. We do not offer loans, credit products, or financing of any kind. We do not collect loan applications or submit applications to lenders on your behalf. Visiting this website does not create any lender-borrower relationship.

Not a Licensed Financial Advisor or Credit Counselor

Gary is not a licensed financial advisor, credit counselor, mortgage broker, or any other licensed financial professional. The content on this website reflects personal experience gained over 26 years in the independent used car business and is shared for educational purposes only. Always consult with a qualified professional before making significant financial decisions.

Affiliate Disclosure

Some links on this website and in video descriptions are affiliate links. This means that if you click on a link and make a purchase or sign up for a service, Bad Credit Car Guy may earn a commission at no additional cost to you. We only recommend products and services that we believe may be genuinely useful to our audience. Affiliate relationships do not influence the content, opinions, or recommendations shared on this website.

In accordance with FTC guidelines, affiliate relationships are disclosed in content where applicable.

Calculator Disclaimer

The auto loan payment calculator and amortization calculator provided on this website are for estimation and educational purposes only. Calculator results are based on the inputs you provide and standard mathematical formulas. Actual loan terms, payments, and total costs may vary based on your specific lender, loan agreement, fees, and other factors not reflected in the calculator. Calculator results should not be relied upon as a guarantee of actual loan terms.

Third Party Links

This website may contain links to third party websites, products, and services. Bad Credit Car Guy is not responsible for the content, accuracy, or practices of any third party website. The inclusion of a link does not imply endorsement of the linked website or its content.

Accuracy of Information

While we make every effort to ensure the information on this website is accurate and up to date, the auto financing industry — including lender policies, interest rates, credit scoring models, and regulatory requirements — changes frequently. Information that was accurate at the time of publication may become outdated. Bad Credit Car Guy makes no warranty regarding the accuracy, completeness, or timeliness of any information on this website.

No Attorney-Client Relationship

Nothing on this website creates an attorney-client relationship, financial advisory relationship, or any other professional relationship between you and Bad Credit Car Guy or Gary.

Contact

If you have questions about this disclaimer or the content on this website, you can reach us at badcreditcarguypro@gmail.com.