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Auto Loans in Tarpon Springs (FL)

A bad credit score can make it challenging to buy a new car, but we can help you get approved. We feel that too many people have been declined for car financing, regardless of their credit. Each day, we help people get approved for auto financing regardless of hurdles such as:

  • Poor Credit
  • No Credit
  • Bankruptcy
  • Home Foreclosure
  • Delinquent Bills

It’s our mission. Ready to get moving? Follow this link to apply online.

Bad Credit Car Dealers in Tarpon Springs, FL

With the rise in bad credit after the market downturn, many dealerships now have finance departments whose sole purpose is serving people with spotty credit. Any time you have adverse credit, expect:

  • Increased rates of interest.
  • Significant down payment requirements.
  • Less significant loan amounts.

With that being said, the experience is better than that of a buy here pay here dealer, and your vehicle will almost certainly cost you less in the long run. We have many of these dealers in our network, and they want to get you the car you need. Just go here to submit your application.

Used or New Car?

The majority of borrowers can finance a new or used vehicle, but which is the way to go? You’re able to finance new cars for longer terms, and at cheaper interest rates, but you end up spending a lot more in the long run.

New Car Used Car
Years Old 0 1
Price $16,320 $12,240
Down Payment $3,264 $1,224
APR 5.00% 7.50%
Years 5 4
Payment $246.38 $266.35
Finance Charge $1,727 $1,769
Total Expenditure $18,047 $14,009

Buy Here Pay Here Car Lots in Tarpon Springs, FL

Referred to as in house financing, your job is your credit, or tote the note car dealers, these dealerships generally have a few main features. They…

  1. Supply car loans direct to the consumer.
  2. Do not require credit checks.
  3. Want you to make your installment payments each week, often at the lot.

Sometimes folks with really horrible credit believe that an in house financing car lot is the only real place that will be willing to accept their credit, despite the fact that there are a couple of negatives:

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

Will Financing Boost Your Credit Rating?

If your credit has taken some hits, you may be scared that an auto loan will worsen it. In fact, financing a car just might help you strengthen your credit. If you pay your lender as agreed month after month, you’ll quickly find yourself establishing a strong payment history, which accounts for 35% of your credit score. Late payments, however, can decrease your FICO score, and in a hurry! To help make sure you never miss a payment, consider solutions such as auto-payment.

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