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Auto Loans in Orange Park (FL)

Financing a car with a bad credit score was once a real headache. Then we emerged as a market-leader and changed everything. We are aware of the challenges that Orange Park residents with bad credit have to deal with. The only thing you have to do is complete your credit request, and we will place you with a car finance company or car dealer who can pre-approve you for a loan.

Orange Park Car Lots That Accept Bad Credit

Most banks reject applications from individuals with bad credit. Thank goodness, there are dealerships and specialty lenders that do cater to the sub-prime market. Just like any bad credit loan, there are certain things to be expected elevated interest rates, larger down payments, and smaller loans. With that being said, it’s far better than being unable to finance a car, and these dealers can help you improve your credit by establishing a record of installment payments made on time. We work with many of these dealerships, and you can get pre-approved by applying online.

Verification Requirements for Orange Park Borrowers

To simplify the auto finance process as much as possible, it is important that you provide the documentation that’s required. Normally, your dealer or lender will require the following:

  • Proof of Identity: License, Passport, or Birth Certificate
  • Proof of Income
  • Proof of Insurance coverage
  • Proof of Residence
  • Personal References

When you apply online, we provide you with a finance specialist who will fill in the details for you.

In House Financing Dealerships in Orange Park, FL

Buy Here Pay Here Car Dealers Orange Park Florida
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Maybe you’ve wondered about getting your auto loan through a buy here pay here dealership in Orange Park? These types of Orange Park in house financing car dealers don’t depend on banks or other lenders to fund their loans, so they can work with an extensive variety of shoppers.

If you’ve got really bad credit, Orange Park buy here pay here dealerships in many cases are the only way to go. Unfortunately, the cost of your car or truck will be inflated as a result of exorbitant interest rates. As if that weren’t enough, it is less likely that your credit score will get better since these dealers don’t report back to Equifax, Experian, and Transunion.

Which Cars Are Best For Orange Park Borrowers

Dealer lots in Orange Park are packed with vehicles that you can finance, but which will set you back more than you need to spend. This is a solid guideline: spend not more than 8% of your monthly earnings on a car payment. For consumers in Orange Park, who have an average income of $1,754, this would be $140.

Great Credit Fair Credit Poor Credit
Income $1,754 $1,754 $1,754
Monthly Installment $140 $140 $140
Interest Rate 3.50% 7.00% 11.00%
Months 60 60 60
Money Down $1,928 $1,772 $1,613
Loan $7,713 $7,086 $6,454
Total Interest $706 $1,333 $1,965
Total Paid $10,348 $10,191 $10,033
Vehicle Price $9,642 $8,858 $8,067

New and Used Cars in Orange Park for Sale

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