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Auto Loans in Tampa (FL)

When it comes to financing a car in Tampa, our service is unparalleled. We assist buyers in Tampa and all over Florida who wish to put together their auto loans long before they visit the dealer. You will be led step by step through the auto financing process by a lending professional in your city.

Bad Credit Car Dealers in Tampa, FL

It is best to keep away from buy here pay here car dealers, which offer on-the-lot financing, opting instead for big franchise dealerships that arrange loans through banks and credit unions. In any bad credit financing scenario, you can expect more expensive interest rates and larger down payments, plus stricter lending conditions. Having said that, it’s far better than any alternative, and these dealers can help you improve your credit by establishing a record of installment payments made on time. We work with many such dealerships, and they want to get you behind the wheel of the car you need. Just go here to apply online.

Documentation That’s Required

The paperwork needed to finance a car varies, but there are some things that you’ll need to have at lenders and dealers in Tampa and across Florida. As a rule, your dealer or lender will want to see the following:

  • Personal Identification
  • Proof of Employment, Residence, and Insurance
  • List of Three Personal References

Your lending consultant can tell you exactly what information you’ll need to provide.

Buy Here Pay Here Car Lots in Tampa, FL

If you have major credit problems on account of issues like bankruptcy or debt settlement, a buy here pay here dealer might possibly seem like a smart move. They might not pull your credit, meaning bad credit ought not be a barrier, but odds are you will pay too much for your vehicle and its loan.

Issues include excessively high interest charges that frequently match Florida’s legal limit, not to mention harsh agreements which permit quick repossession if you miss a payment Is raising your credit important to you? Then you should contact an auto finance professional through us, as BHPH dealerships won’t help you in restoring your credit.

Recommendations for Financing

In regards to the monthly payment on your car, it shouldn’t go over 10% of what you make on a monthly basis. At the same time, it’s best not to finance for over 5 years. If you follow these tips, you will find yourself purchasing a car which costs about half of what you make annually, before taxes. In Tampa, where the average income is $17,913 per year, the average consumer would finance a car costing around $8,958. As a rule, the less you can spend while still obtaining a trustworthy car or truck, the better.

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