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Auto Loans in Littleton (CO)

When it comes to getting an auto loan in Littleton, we offer exceptional speed and service. We work with a wide network of lenders and dealers, and we have finance professionals approve you for the financing you need. We will match you with a lending specialist who can help you line up the loan you need for the vehicle you want.

Car Loans Littleton CO

Bad Credit Car Dealerships in Littleton, CO

For people with below-average credit, dealer financing is usually the way to go, since the majority of banks in your area won’t be able to do business with you. Fortunately, there are dealers with finance consultants committed to helping you finance the car you want. As with all subprime loans, expect higher interest rates, heftier down payments, and smaller loans. On the plus side, it’s far better than not being able to get a car, and these dealers can help you re-establish your credit and maybe even refinance your vehicle at a reduced rate. We have a great number of dealerships in our network, and you can find one that wants to get you financed by applying online.

Should You Purchase a Pre-owned Vehicle?

Lots of car-shoppers aren’t aware loans are available for both used and new vehicles. You can finance a new car for longer, and at a lower rate of interest, but you spend a good deal more in the long run.

New Car Pre-owned Car
Years Old 0 3
Price $32,060 $16,030
Down Payment $6,412 $1,603
Loan Rate 5.00% 7.50%
Years 5 4
Payment $484.01 $348.83
Interest $3,393 $2,317
Total Spend $35,453 $18,347

Littleton Buy Here Pay Here Car Lots

Thinking about a buy here pay here dealer on account of bad credit? Usually, there are more attractive options. Most of the time, dealer finance is sourced elsewhere, as car dealers go through off-site banks and lenders to offer the loans, but BHPH dealers determine who gets financed on the lot, often without a credit check.

Negatives include:

  • Excessive Interest rates
  • Outrageous Down Payments
  • Steeply-Priced Vehicles
  • Location Tracking Units

Worst of all, these dealers almost never report back to the credit agencies, and that means you could make every single payment punctually without improving your credit score.

Recommendations for Buying a Car in Littleton

In terms of setting your monthly payment, it shouldn’t exceed 10% of your monthly income. On top of this, select a 5-year repayment term at the very most. This will translate to a vehicle costing approximately 50% of your yearly income. If you earn $38,472 annually, the average in Littleton, you would buy a $19,236 car. Please remember, this is at the upper end of what you ought to budget. Various industry experts suggest paying just 10-30% of your income for the next car you buy.

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