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Auto Loans in Atlantic Beach (FL)

Are you looking to purchase a new or used vehicle, but you still need an auto loan? We can help. Our knowledge of the industry is unmatched, and that means we can help applicants get pre-approved for a car loan, even if their credit isn’t ideal. It truly is hard to imagine a more convenient way to secure your auto loan.

Bad Credit Car Dealers in Atlantic Beach, Florida

Have you thought about where to buy your new car? For people with weak credit, private party auto loans are typically out of the question. Instead you’ll need to purchase from a dealer. Thank goodness there are dealers that finance bad credit. Since this is a high-risk loan, there are certain things to be expected elevated rates of interest, heftier down payments, and tighter repayment requirements. With that being said, the experience is superior to that of a buy here pay here car lot, and your vehicle will almost certainly cost you less in the end. We work with many of these dealerships, and they want to get you the car you deserve. Just go here to submit your application.

Should You Buy a New Vehicle or a Used One?

Many applicants can finance a new or used vehicle, but which should they choose? Given that new cars depreciate so rapidly, it’s sometimes smart to let somebody else take the hit, and buy a car that’s 1-3 years old.

New Car Used Car
Years Old 0 3
Price $39,890 $19,945
Down Payment $7,978 $1,995
Interest Rate 5.00% 7.50%
Duration 5 years 4 years
Payment Amount $602.22 $434.02
Finance Fees $4,221 $2,883
Total Investment $44,111 $22,828

Atlantic Beach Buy Here Pay Here Car Lots

Maybe you’ve thought about going to a buy here pay here dealer for a car that could be financed? Usually, there are more attractive options. Dealers like these will finance nearly anyone, regardless of their credit, but you will find issues.

Sadly, you should expect exorbitant rates of interest, big down payments, and cars and trucks that are too expensive for their condition. Even worse, these dealers rarely report back to the credit agencies, and that means you could make every single payment when they’re due without making improvements to your credit score.

Cars in Atlantic Beach For Your Budget

Dealer lots in Atlantic Beach are full of cars and trucks that you could finance, but which you probably shouldn’t. Check out the examples below, which show how much the Atlantic Beach consumer ought to spend based on an income of $3,989 a month, a car payment equivalent to 8% of this income ($319), and a term of 5 years.

Prime Credit Okay Credit Poor Credit
Monthly Installment $319 $319 $319
Rate 3.50% 7.00% 11.00%
Months 60 60 60
Down Payment $4,386 $4,029 $3,669
Loan Amount $17,542 $16,116 $14,677
Total Interest $1,605 $3,031 $4,470
Total Paid $23,533 $23,176 $22,817
Car Price $21,928 $20,145 $18,347

Used Cars in Atlantic Beach, FL


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