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Auto Loans in Victorville (CA)

Interested in getting a car financed in Victorville, California, with a bad credit score? Thank goodness, we work with hundreds of bad credit car dealerships in Victorville and nationwide.

This is how we enable our consumers to overcome their credit scores and secure the loan they need:

3 Steps to Approval
  • Step 1: Our secure application takes under 60 seconds to submit.
  • Step 2: Our program leverages hundreds of subprime lenders.
  • Step 3: Most consumers get approved the same day they apply.

Bad Credit Car Dealerships in Victorville, CA

Car dealers that have special finance managers are typically referred to as bad credit car dealers. Any time you have credit problems, you can expect higher interest rates, bigger down payments, and shorter repayment periods. Having said that, the rates and terms are far better than you would be offered at a used lot that does in-house financing with no credit checks. We work with many such dealerships, and when you apply online, we work hard to connect you with one who wants to get you the loan you need.

New Versus Pre-owned Cars

We’ve seen that quite a lot of shoppers don’t know that new cars aren’t the only thing that can be financed. You can finance pre-owned vehicles as well. It’s possible to finance a new car at a lower interest rate, but you pay a good deal more when it comes to 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 tag $15,730 $11,798 $9,438 $7,865
Down Payment $3,146 $1,180 $944 $787
Interest Rate 5.00% 7.50% 7.50% 7.50%
Years 5 4 4 4
Payment Per Month $237.48 $256.73 $205.38 $171.15
Finance Charge $1,665 $1,705 $1,364 $1,137
Total Investment $17,395 $13,503 $10,802 $9,002

In House Financing Car Dealers in Victorville, CA

Referred to as buy here pay here, tote the note, or your job is your credit car dealers, these establishments ordinarily have a few key features. They…

  1. Offer auto loans on site.
  2. Rarely check your credit.
  3. Want you to make your installment payments every week, often in person.

If you have really bad credit, this Victorville buy here pay here car dealers may seem like the only option you’ve got. But bear in mind, the loan rates are a lot higher than a bank loan and they seldom report payments to the credit agencies. Without these agencies receiving data on your timely repayment, your credit score isn’t likely to get better as a result of the loan.

Generally, you’re better off avoiding a BHPH lot in favor of a regular auto loan. When you apply through us, we can connect you with a finance specialist who can guide you into the car you need despite credit issues such as bankruptcy or repossession. You’ll bask in the knowledge that not only are you financing the car you want, you’re rebuilding your credit simultaneously.

What Car to Buy?

It is essential to go with a vehicle that is realistic relative to your credit and income. Take a look at the examples below, displaying how much car the average Victorville consumer can afford based on a monthly income of $126, a payment of $126, and a repayment term of 60 months.

Exceptional Credit Fair Credit Poor Credit
Payment $126 $126 $126
Rate 3.50% 7.00% 11.00%
Money Down $1,729 $1,589 $1,447
Amount Borrowed $6,917 $6,355 $5,788
Total Interest $633 $1,195 $1,763
Total Investment $9,280 $9,139 $8,997
Car Price $8,647 $7,944 $7,235

Cars in Victorville, CA

Zipcode Make Model Minimum Price Maximum Price Condition
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