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Auto Loans in Valrico (FL)

There are quite a few ways of getting approved for a car loan in Valrico, but we offer exceptional speed and support. We’ve spent years securing a network of lenders and dealers across the United States, and we are experts in placing your application with the lender that suits you best. We match you with a finance consultant who can help you line up the auto loan needed for the car you desire.

Bad Credit Car Dealers in Valrico, FL

Car dealerships with sub-prime finance departments are oftentimes known as bad credit car dealerships. Whenever you have below-average credit, you can expect elevated rates of interest and higher down payments, not to mention more exacting lending terms. But keep in mind, the rates and terms are much better than you would get at a buy here pay here dealer. We work with many such dealerships, and you can get paired with one by applying online.

Can You Get a Car Loan with No Money Down?

A down payment, as you probably know, is the amount owed for your vehicle at signing. A down payment minimizes investment risk, as a smaller percentage of the vehicle has to be financed. On top of this, a down payment helps you steer clear of negative equity.

Although there are zero down car deals in Valrico, we usually endorse down payments.

Valrico Buy Here Pay Here Dealers

Buy here pay here car dealers primarily deal with people who have acute credit problems such as:

  • Chapter 7 or 13 Bankruptcy
  • Foreclosure
  • Auto Repossession
  • Collections
  • Judgments
  • Charge-offs

These dealers will finance nearly anybody, regardless of their credit, but there are negatives. Customarily, preowned vehicles are the only models available, and these aren’t no money down car deals. In most cases, the down payment is nearly as much as you would pay for the vehicle from a private seller, and rates that match the Florida’s maximum legal limit are not unusual. If bettering your credit score is important to you, and it should be, you are better off applying through us, as BHPH dealerships will not help you strengthen your credit.

Financing Guidelines for Valrico Borrowers

Take 10% of what you make per month. Make sure you spend no more than this on your monthly car payment. In addition, it’s best not to finance for more than 5 years. This will result in a car costing about 50% of your annual income. For Valrico residents with incomes of $20,369 a year, this is an automobile costing $10,182. In the end, the less you can spend to obtain a dependable car or truck, the better.

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