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Auto Loans in Jacksonville (FL)

Poor credit is no fun. Fortunately, we ensure that you get access to hundreds of bad credit car dealerships in Jacksonville and statewide.

Here’s how the process works:

  1. You, the consumer, submit an application online.
  2. Our cutting-edge matching program connects you with a car lender or dealer.
  3. Your finance company calls you about finalizing the details of your car financing deal.

Bad Credit Car Dealerships Jacksonville Florida

Bad Credit Car Dealerships in Jacksonville, FL

In this day and age, there are dealerships with finance departments that specialize in financing people with credit problems. Just like any bad credit loan, certain things are to be expected increased interest rates and bigger down payments, together with smaller loans. Having said that, they will line up your financing through lenders that report to the credit reporting agencies–a requirement if you wish to restore your credit. Here at Motive Auto Finance, we work with many of these dealerships, and you can find one that wants to work with your credit by applying online.

Documentation You Need

Basically, the greater your credit score is, the less paper work you’ll have. Requested documentation may include:

  • Personal Identification
  • Proof of Incomeand Residence
  • List of Three Personal References

We might’ve left something out, so make sure to double check what’s needed with your finance consultant before going to purchase your car.

Jacksonville Buy Here Pay Here Financing

Buy here pay here car dealers ordinarily work with people who have serious credit problems such as bankruptcy and repossession. Generally, dealer financing is sourced elsewhere, as car dealers work with banks and lenders with whom they have relationships to deliver the loans, but BHPH dealers provide financing independently. Unfortunately, you should be prepared for inflated interest rates, large down payments, and well-used vehicles that are too expensive in light of the shape they’re in. For this reason, these dealerships don’t have the best reputation. We want to place you with subprime finance specialist who can get you in the car you want, even if you’ve experienced bankruptcy.

Rules of Thumb for Buying a Car in Jacksonville

It’s best to commit, at most, 10% of your monthly income for your loan payment. To protect yourself from negative equity and excessively high finance fees, go with a loan of 5 years or less. This will get you a car which costs about 50% of what you earn per year. For Jacksonville residents, having incomes of $26,541 annually, the per capita average, this is $13,272. Generally, the less you can invest while still obtaining a dependable car, the better.

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