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Auto Loans in Port Richey (FL)

With so many years of industry experience, we understand the obstacles you face when you need to finance a car with bad credit. It’s important that you work with a lender or dealer that is able to cater to your credit and budget. We have spent years forming an unmatched network of dealers and lenders that finance a wide-ranging selection of Florida drivers, not just those with credit scores over 725. Don’t delay: submit your credit application, and we will connect you with a lender or dealer able to accept your credit.

Car Loans Port Richey FL

Port Richey Dealerships That Take Bad Credit

Dealerships that can arrange sub-prime auto loans are, in many cases, known as bad credit car dealerships. Just like any subprime loan, expect elevated rates of interest, bigger down payments, and smaller loans. However, the rates and terms are far better than you would be given at one of Port Richey’s buy here pay here dealers. There are many such dealers in our network, and they want to get you in the driver’s seat of the car you deserve. Go here to submit your application.

Have You Got a Down Payment?

You won’t find many people who enjoy spending a ton of greenbacks in one go–ouch! But it’s frequently necessary to offer a down payment on the vehicle you are financing–this is particularly true if you’ve got bad credit. Remember that a second-hand vehicle, aside from costing less, requires a smaller down payment.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Lost Value 0% 25% 40% 50%
Sale Price $15,340 $11,505 $9,204 $7,670
Percentage 20% 10% 10% 10%
Down Payment $3,068 $1,151 $920 $767

Keep in mind that your traded-in vehicle can be put toward your down payment, so essentially, you’re able to finance a car with zero down.

Buy Here Pay Here Dealerships in Port Richey, FL

In House Financing Car Dealerships Port Richey Florida
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Known as buy here pay here, tote the note, or your job is your credit car dealers, these establishments generally have a few key features:

  • These dealers finance auto loans on location.
  • They don’t require credit checks.
  • They want you to pay them every week, often in person.

Sometimes men and women with really low credit think that a buy here pay here car lot is the only establishment that will be willing to finance them. But the truth is, there are a couple of negatives:

  • Elevated Rates Of Interest
  • In-Person Payments
  • High Risk of Repossession

Picking a New Car

Wondering how much you ought to spend on a car? This chart displays how much the Port Richey consumer ought to spend based on a monthly income of $1,534, a payment of $123, and a term of 60 months–the most extended term you should consider.

Good Credit Okay Credit Subprime Credit
Payment Amount $123 $123 $123
Loan Rate 3.50% 7.00% 11.00%
Money Down $1,686 $1,549 $1,411
Loan Amount $6,746 $6,198 $5,644
Interest Paid $617 $1,166 $1,719
Price with Interest $9,050 $8,913 $8,774
Sticker Price $8,432 $7,747 $7,055

Cars from Port Richey Dealers


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