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Auto Loans in Rome (GA)

Every day, we help people in Rome get the car loans they need, even when they are facing issues such as:

  • Rocky Credit
  • No Credit History
  • No Down Payment

Rather than waiting until you’re in the dealership’s financing office, we enable you to apply for financing ahead of time. We match you with a lending professional who will work tirelessly to get you in the car you want.

Rome Car Dealers for Bad Credit

You shouldn’t let credit stop you from buying your new car. We have access to dealers all across Georgia who are willing to compete for your business. Compared to a BHPH car lot, such dealers typically offer:

  • More affordable interest rates and down payments.
  • Option to raise your credit score.

Your credit and income will dictate which cars you can finance. Here’s an example based on the average per-person income in Rome, $939 per month:

Credit Score Multiplier Loan Amount
700 10 $9,390
625 9 $8,451
575 8 $7,512
525 7 $6,573
300 6 $5,634

This is only an estimate. You may not be qualified to finance this much, especially if you don’t have a very good record with previous automobile loans or leases.

Submit an application to talk with a lending expert about your options.

Approval Requirements for Rome Borrowers

You’ll need to bring specific paperwork with you to confirm your identity and so on. At the least, your dealer or lender will request the following:

  • Personal Identification
  • Proof of Income, Residence, and Insurance
  • Personal References

When you visit the dealer or lender, be sure you have all of the necessary documentation.

Buy Here Pay Here Dealers in Rome, Georgia

Buy here pay here car dealers ordinarily work with people who’ve got severe credit problems like:

  • Chapter 7 or 13 Bankruptcy
  • Asset Repossession
  • Debt Settlement

These types of dealers grant auto loans on site, in contrast to regular dealerships which utilize separate lenders, and they typically don’t even check your credit.

The fact is, you can expect high rates of interest, huge down payments, and older vehicles that are overpriced. If raising your credit score is important to you, you are better off applying through us, as BHPH dealers will not help you strengthen your credit.

Credit-Building for Rome Consumers

If improving your credit score is a priority, don’t go to BHPH dealers. Our dealers and lenders can help you get your credit to a better place. If you make your payments promptly month after month, you will start to create a strong payment history, which is more than one-third of your credit score. Obviously, the opposite is likewise a risk: you can hurt your credit worse if you fail to make your payments. Of course, the benefits to a better score are tremendous:

  • Minimized rates of interest.
  • Less expensive insurance costs.
  • Lower down payments.
  • Quicker credit acceptance.

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