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Auto Loans in New Port Richey (FL)

Cars have become more and more expensive in recent years, and finding a reasonable interest rate is of the utmost importance. Our industry relationships are unrivaled, and we have finance professionals approve you for the financing you need. Experience the convenience of working with a devoted financing professional who can help answer your questions and line up your loan.

Bad Credit Car Dealers in New Port Richey, FL

Most banks reject applications from individuals with bad credit. The good news is, there are dealers and finance companies that will do business with credit-challenged consumers. For the most part, these dealers offer:

  • Interest rates that aren’t extortionate.
  • Down payments that won’t leave you broke.
  • Vehicles that are more reliable.

The dealer will look at your credit and income to establish which vehicles you can afford to finance. You should opt for an economical, fuel-efficient vehicle with payments of just 10% of your income–no more. For people bringing in $2,261 a month, the average among New Port Richey residents, this equals out to a payment of $226.

A vehicle finance professional can help you determine how much you’re qualified to borrow, and at what APR. If you’d like to speak with one, make sure to apply online.

Is a New Vehicle Best?

Have you thought about whether you want a new or pre-owned vehicle? It’s an important decision. You’re able to finance a new car for longer, and at a cheaper interest rate, but you spend significantly more in the end.

New Car Pre-owned Car
Age New 3 Years Old
Price $22,610 $11,305
Down Payment $4,522 $1,131
Loan Rate 5.00% 7.50%
Years 5 4
Monthly Payment $341.34 $246.01
Finance Charge $2,393 $1,634
Total Spend $25,003 $12,939

New Port Richey Buy Here Pay Here Dealerships

Buy here pay here car dealers primarily help people with significant credit problems such as bankruptcy or repossession of a vehicle. Most dealer finance is outsourced, as dealers work with a network of lenders to supply the loans. On the other hand, buy here pay here dealers determine who gets financed on-site, typically with no credit check. Drawbacks include:

  • Ridiculous Interest rates
  • Massive Down Payments
  • Overpriced Vehicles
  • GPS Tracking Units

If bettering your credit score is important to you, and it should be, you should submit your application through us, since BHPH dealers won’t help you boost your credit.

Cars in New Port Richey That Fit Your Budget

You should go with a vehicle that suits your finances. This is a good guideline: spend not more than 8% of your monthly income on a car payment. For consumers in New Port Richey, who have an average income of $2,261, this is $181.

Excellent Credit Decent Credit Poor Credit
Income Per Month $2,261 $2,261 $2,261
Monthly Installment $181 $181 $181
Loan Rate 3.50% 7.00% 11.00%
Down Payment $2,486 $2,284 $2,080
Interest Paid $910 $1,718 $2,534
Total with Interest $13,339 $13,137 $12,933
Purchase Price $12,429 $11,419 $10,399

Choose a Car from a Dealership in New Port Richey


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