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Auto Loans in Wheat Ridge (CO)

If you need to finance a car in Wheat Ridge, we can help. We give you the ability to submit your application online. More often than not, we can place applicants with an interested lender or dealer even if their credit has been weakened by bankruptcy or repossession.

Car Loans Wheat Ridge CO

Bad Credit Car Dealerships in Wheat Ridge, CO

Bad credit doesn’t have to stop you from buying your new car. We work with dealers in Wheat Ridge that won’t turned you down for an auto loan, just because your credit isn’t perfect. Any time you have poor credit, expect:

  • Interest rates that are more expensive.
  • Down payments that are larger.
  • Payment periods that are shorter.

On the other hand, it’s far better than not having a new car at all, and these dealers can help you restore your credit by establishing a record of monthly payments made on time. We work with many such dealerships, and they want to get you the car you want. Just go here to submit your application.

Should You Buy a New Car or Truck?

New or used? Both have their own strengths. A new car loses 20% of its value during the first year of ownership, and 50% after 36 months. That’s the reason why you can usually get more for your money by purchasing used.

New Car Used Car 1 Used Car 2 Used Car 3
Years Old 0 1 2 3
Price $26,970 $20,228 $16,182 $13,485
Down Payment $5,394 $2,023 $1,618 $1,349
APR 5.00% 7.50% 7.50% 7.50%
Duration 5 years 4 years 4 years 4 years
Monthly Payment $407.17 $440.17 $352.14 $293.45
Interest $2,854 $2,923 $2,339 $1,949
Total Paid $29,824 $23,151 $18,521 $15,434

Buy Here Pay Here (BHPH) Dealers in Wheat Ridge, CO

Buy Here Pay Here Car Dealers in Wheat Ridge Colorado
Quick Approvals!

Have you thought of getting approved through a buy here pay here car dealer in Wheat Ridge? These Wheat Ridge bad credit car lots don’t rely on banks or other lenders to approve their customers, so they can work with a larger variety of shoppers.

Often people with really low credit assume that a buy here pay here car lot is the only real establishment that will approve their credit, despite the fact that the interest rates are more expensive than you’d expect from a dealership that offers indirect lending. At the same time, they don’t usually report payments to the credit bureaus, meaning the borrower’s credit rating won’t go up as a result of the loan.

Selecting a New Car

It’s important to choose a car or truck that won’t strain your income on a monthly basis. At most, 8% of your monthly earnings ought to be devoted to this new payment. For a consumer with a monthly income of $2,697, the average in Wheat Ridge, this would be $216.

Great Credit Fair Credit Subprime Credit
Monthly Payment $216 $216 $216
Loan Rate 3.50% 7.00% 11.00%
Term 60 Months 60 Months 60 Months
Money Down $2,965 $2,724 $2,481
Interest Paid $1,085 $2,049 $3,022
Total with Interest $15,911 $15,670 $15,426
Vehicle Price $14,825 $13,620 $12,404

Used Cars in Wheat Ridge for Sale


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