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Auto Loans in Cartersville (GA)

Increasingly, consumers in Cartersville are getting their credit approved before visiting the car lot, given that it makes purchasing a car a much easier process. We allow you to apply for financing through our nationwide network of dealers and lenders. We match you with a financing expert whose goal it is to get you approved for the car you want.

Auto Loan Cartersville GA

Bad Credit Car Dealers in Cartersville, Georgia

Certain bad credit car dealerships check your employment status as opposed to your credit. Sometimes they market themselves as your job is your credit car lots, and they don’t check your credit. However, chances are they won’t be helping you fix your credit. Your best option is to find a dealer that can get you the loan you need through an authorized lender. Normally they report to the credit agencies – a rarity among used car lots with on-site financing. In any non-prime lending scenario, expect:

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

On the other hand, they will line up your financing through banks and finance companies that report back to the credit agenciesenabling you to re-establish your credit. There are many such dealerships in our network, and when you submit your application, we work hard to pair you with one who wants to accept you for financing.

Can You Get a Car Loan with No Money Down?

Hoping to purchase a new car or truck, but you haven’t got any money down? A down payment brings down your LTV (loan-to-value) ratio by reducing the amount borrowed relative to the cost of the vehicle–thereby resulting in a reduced annual percentage rate and less interest owed overall. Offering no down payment is known as 100% financing, since you’re getting a loan for 100% of the vehicle’s purchase price. There are advantages and disadvantages to this, which you can learn about here.

You may be able to secure a car loan in Cartersville with no money down, especially if you have decent credit and are willing to trade in your used vehicle. Apply online to speak with a vehicle lending specialist and find out which cars are available without a down payment in your part of Georgia.

Buy Here Pay Here Dealerships in Cartersville, GA

Have you thought about getting approved through a buy here pay here dealer in Cartersville? These Cartersville in house financing dealers supply financing on site, usually without a credit check. Considering they don’t depend on a bank or credit union to approve the applicants, they can help a wider variety of clientele.

For folks who’ve got really bad credit, Cartersville buy here pay here dealers tend to be the only option. Unfortunately, they have a few drawbacks:

  • High APR
  • Down Payments Required
  • No Ability to Rebuild Credit
  • Tracking Devices to Assist in Repossession

Pretty serious disadvantages, right? Fortunately, it is possible to get a car loan after repossession, foreclosure, even bankruptcy. We can help. We work with lenders and dealers in and around Cartersville who want your business, no matter your past. Apply online and we’ll go to work matching you with a company that can not only fund your loan, but help you rebuild your credit in the process.

How Much to Spend on a Car

It is critical to pick a car or truck that is affordable based on your APR and income. A maximum of 8% of your monthly income should be spent on your loan payment. For instance, residents of Cartersville make, on average, around $3,737 each month, and 8% of this is $299.

Prime Credit Fair Credit Bad Credit
Payment $299 $299 $299
Rate 3.50% 7.00% 11.00%
Money Down $4,108 $3,775 $3,438
Total Interest $1,504 $2,840 $4,188
Total Investment $22,046 $21,712 $21,375
Sticker Price $20,542 $18,873 $17,188

New and Used Cars from Cartersville Dealerships

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