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Auto Loans in Greeley (CO)

Getting your credit approved was easy prior to the economic crisis, but times have changed. We allow you to find a bank or dealer who is welcoming to applicants whose credit isn’t pristine. We’ve established an unmatched network of dealers and lenders that finance borrowers on every end of the credit spectrum, not just the uppermost echelons.

An auto finance manager will help you set up the car loan you need, then you can just head to the dealer lot and choose the car you want. Visit here to contact a dedicated finance specialist.

Car Loan Greeley CO

Greeley Car Lots That Finance Bad Credit

Dealerships that have the expertise to arrange sub-prime car loans are often known as bad credit car dealerships. Whenever you have poor credit, you can expect:

  • Greater rates of interest.
  • More upfront cash required.
  • Less expensive cars.

Having said that, the experience is superior to that of a buy here pay here car lot, and your vehicle will cost you less in the long run. We work with many such dealerships, and they want to get you in the driver’s seat of the car you deserve. Go here to submit your application.

Verification Documents for Greeley Residents

You will need to take certain paperwork with you in order to secure your loan. Your driver’s license is the main form of ID you will need. If your credit isn’t great, lenders are going to ask to see a few of your latest paystubs or income tax returns. A number of lenders demand that you be in the workforce for a certain length of time before they will approve you. Any financed vehicle will have to be fully covered by insurance until you own it without a lien. Lenders will also confirm your address, so they know where the vehicle is.

Before you pay a visit to the bank or dealer, make sure you have all the requested documentation.

Buy Here Pay Here Car Lots in Greeley, CO

Dealerships in Greeley that approve car loans on-site have several things in common. They…

  1. Offer car loans without 3rd party funding.
  2. Don’t require credit checks.
  3. Want weekly or twice-monthly payments, often at the lot.

Sometimes folks with really low credit feel like a buy here pay here car lot is the only real establishment that will take their credit, even though Colorado poor credit auto loans from credit unions and banks typically come with lower rates.

Which Cars Are Ideal For Greeley Residents

The car you should buy, in terms of price, will be based mainly on your income and rate of interest. Take a look at the scenarios below, revealing how much the Greeley consumer ought to spend based on a monthly income of $1,079, a car payment equal to 8% of this income ($86), and a repayment term of 60 months.

Exceptional Credit Okay Credit Poor Credit
Income $1,079 $1,079 $1,079
Car Payment $86 $86 $86
APR 3.50% 7.00% 11.00%
Term Length 5 Years 5 Years 5 Years
Down Payment $1,186 $1,090 $993
Loan $4,745 $4,359 $3,970
Interest Paid $434 $820 $1,209
Total Investment $6,365 $6,269 $6,172
Vehicle Price $5,931 $5,449 $4,963

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