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Auto Loans in Brunswick (GA)

Getting approved for a car loan became far more complicated following the downturn, but it isn’t impossible. We enable you to find a lending company who is receptive to your credit and budget. We have spent years forming an extensive network of dealers and lenders that are known for financing people with all kinds of credit scores, even people who’ve got:

  • Damaged credit.
  • Limited credit.
  • No money down.

Simply complete your loan application. You will be connected with a lending professional who can help you line up your loan and choose your vehicle from a dealer in Brunswick.

Brunswick Dealerships That Finance Bad Credit

If you’ve got weak credit, dealer financing is probably the only option you have, seeing as the vast majority of banks will be unwilling to work with you. Fortunately, there are dealers that can get you the loan you need at at a rate that’s competitive, given your income and other factors. Since this is a high-risk loan, there are certain things to be expected:

  • Increased interest rates.
  • More money down required.
  • Less expensive assets (cars).

However, the experience is far better than that of a buy here pay here dealer, and your vehicle will almost certainly cost you less in the long run. At Motive Auto Finance, we work with many such dealerships, and you can get pre-approved by submitting your application.

Is a New Vehicle the Right Choice?

Have you decided whether you want to buy a new or used car? It’s an important decision. A brand new car drops 20% in value during the first 12 months of ownership, and 50% after three years. That’s the reason why you can usually get a better deal by buying used.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Price tag $23,680 $17,760 $14,208 $11,840
Down Payment $4,736 $1,776 $1,421 $1,184
Interest Rate 5.00% 7.50% 7.50% 7.50%
Duration 60 months 48 months 48 months 48 months
Monthly Installment $357.50 $386.48 $309.18 $257.65
Interest Paid $2,506 $2,567 $2,053 $1,711
Amount Paid $26,186 $20,327 $16,261 $13,551

Buy Here Pay Here (BHPH) Dealers in Brunswick, GA

Dealerships in Brunswick that offer in-house financing have certain things in common. They…

  1. Supply auto loans in-house.
  2. Rarely perform credit checks.
  3. Want you to make your car payments every week, often in person.

Often consumers with really horrible credit believe that a buy here pay here car lot is the only establishment that will be willing to accept their credit. But keep in mind, the cost of your car or truck will be inflated as a result of outrageous interest charges. As if that weren’t enough, chances are your credit rating won’t improve since these dealers rarely report back to the credit reporting agencies.

Securing the Right-Sized Loan

Dealer lots in Brunswick are loaded with vehicles that you are capable of buying, but probably shouldn’t. Check out the examples below, displaying how much the Brunswick consumer ought to spend based on an income of $2,368 each month, a car payment that amounts to 8% of this income, and a term length of 60 months–the longest term that’s advisable.

Excellent Credit Okay Credit Poor Credit
Monthly Installment $189 $189 $189
Interest Rate 3.50% 7.00% 11.00%
Money Down $2,603 $2,392 $2,178
Loan Amount $10,414 $9,567 $8,713
Interest Paid $953 $1,799 $2,653
Price with Interest $13,970 $13,758 $13,545
Purchase Price $13,017 $11,959 $10,891

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