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Auto Loans in Rogers (AR)

Here at Motive Auto Finance, we understand the hurdles faced by car-shopping consumers all over Arkansas, particularly those with bad credit. It’s imperative to find a dealer or lender who can finance people whose credit scores aren’t the very best. We’ve spent years developing a wide-ranging network of dealers and lenders that can put you in the driver’s seat of a new vehicle, no matter your credit. Just apply online. We will connect you with a lending specialist to lead you from application to acceptance.

Bad Credit Car Dealerships in Rogers, Arkansas

You shouldn’t let credit keep you from the driver’s seat of your new car. We can pair you with dealerships in Rogers that can give you a second shot at financing. Any time you have less-than-perfect credit, certain things are to be expected:

  • Elevated interest rates.
  • More upfront cash required.
  • Tougher repayment terms.

On the other hand, the experience is superior to that of a buy here pay here car lot, and your vehicle will almost certainly cost you less in both upfront costs and interest. We have a great number of dealerships in our network, and when you apply online, we work hard to connect you with one who wants to arrange your loan.

Should You Finance a New Car or Truck?

Lots of consumers don’t realize loans can be had for both used and new vehicles. You’re able to finance new cars at cheaper interest rates, but you spend a lot more in terms of purchase price and down payment.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Price $22,660 $16,995 $13,596 $11,330
Down Payment $4,532 $1,700 $1,360 $1,133
APR 5.00% 7.50% 7.50% 7.50%
Term 5 years 4 years 4 years 4 years
Payment Per Month $342.10 $369.83 $295.86 $246.55
Total Interest $2,398 $2,456 $1,965 $1,638
Total Paid $25,058 $19,451 $15,561 $12,968

Your Job is Your Credit Dealerships in Rogers, AR

Buy Here Pay Here Car Dealerships Rogers AR
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Car dealers in Rogers that approve auto loans in house have several commonalities. They…

  1. Approve auto loans without third party funding.
  2. Don’t perform credit checks.
  3. Ask for weekly or biweekly payments, often at the lot.

Often people with really terrible credit think that a buy here pay here car lot is the only place that will be willing to accept their credit. But keep in mind, the cost of your car or truck will be inflated due to excessively high loan rates, and it is unlikely that your credit score will show improvements as you pay down the loan. This is because these dealers have no relationship with the credit agencies.

Cars in Rogers For Your Budget

Wouldn’t you like to know how much you ought to pay for a car? The following chart displays how much car the average Rogers consumer can afford based on an income of $2,266 per month, a car payment that amounts to 8% of this income, and a repayment term of 60 months–the maximum length you should consider.

Prime Credit Fair Credit Bad Credit
Monthly Income $2,266 $2,266 $2,266
Car Payment $181 $181 $181
Loan Rate 3.50% 7.00% 11.00%
Term 60 Months 60 Months 60 Months
Money Down $2,491 $2,289 $2,084
Total Interest $912 $1,722 $2,539
Total with Interest $13,368 $13,166 $12,961
Purchase Price $12,456 $11,444 $10,422

New And Used Cars for Sale in Rogers, AR


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