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Auto Loans in Centerville (GA)

Purchasing a new car is often a labor-intensive process, so it is essential to get the lowest annual percentage rate you can. We make it easy to submit your application via our secure platform. You will be led one step at a time through the process by a finance professional in your city.

Centerville Car Dealerships That Finance Bad Credit

If you’re looking for a dealership that approves people with bad credit, your search is over. Unlike buy here pay here dealers, these types of dealers offer:

  • Interest rates that aren’t astronomical.
  • Down payments you can afford.
  • New vehicles, instead of only used ones.

Your credit and income will determine which cars you’re eligible to finance. With credit problems, the maximum amount you can borrow is 6 to 8 times your monthly income. For residents of Centerville making $3,621 each month, this is $21,726 to $28,968. However, only 8% of your income ($290) should be earmarked for your car payment, which could very well restrict how much you can spend. Submit your application to have a finance professional confirm how much car you can afford.

Can You Get Approved with Zero Down?

A down payment, as you probably know, is the amount you have to pay for your vehicle at the time of signing. Lenders like you to provide a down payment, because it will minimize risk of the loan, leading to a decreased interest rate and better terms. Although there are zero down auto loans in Centerville, we typically endorse down payments.

Buy Here Pay Here Dealerships in Centerville, GA

Have you thought about financing a car through a BHPH dealer because of bad credit? Usually, there are better alternatives. Dealers like these will finance pretty much anybody, no matter their credit, but you will find issues. Unfortunately, you will be faced with high interest rates, high down payments, and well-used vehicles that are steeply-priced. Because of this, these dealers don’t have a great reputation. Let us connect you with subprime finance professional who will work with you, even if your credit is horrible.

What Car to Buy?

More often than not, you can finance a higher priced car than you can really afford. Check out the examples below, which reveal how much the Centerville consumer ought to spend based on a monthly income of $3,621, a payment of $290, and a term length of 5 years.

Excellent Credit Fair Credit Subprime Credit
Income $3,621 $3,621 $3,621
Payment Amount $290 $290 $290
APR 3.50% 7.00% 11.00%
Months 60 60 60
Money Down $3,981 $3,657 $3,331
Total Interest $1,457 $2,751 $4,058
Total Paid $21,362 $21,038 $20,712
Vehicle Price $19,905 $18,287 $16,654

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