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Auto Loans in Kansas City (KS)

A car is one of the most significant assets you own, so it’s essential to get the lowest annual percentage rate available for your credit. Instead of waiting until you’re in the dealership’s finance office, we enable you to line up a car loan in advance. Let us match you with a finance expert who can help you get the car loan needed for the car you want.

Bad Credit Car Dealers in Kansas City, Kansas

Car dealers that welcome car-shoppers with credit problems are typically known as bad credit car dealers. Any time you have less-than-perfect credit, you can expect steeper rates of interest and bigger down payments, as well as shorter length loans. Having said that, it’s better than having no new car at all, and if you make your payments each month, you can boost your credit score in the process of paying off your vehicle. We have a great number of dealerships in our network, and when you apply online, we can match you with one who wants to arrange your loan.

New or Pre-owned: It’s Your Choice

Used and new vehicles each offer their own advantages. Brand new vehicles have much lower interest rates. That said, they are priced considerably higher than their used equivalents, and the down payments required are significantly larger.

New Car Pre-owned Car
Age New 1 Year Old
Price $16,010 $12,008
Down Payment $3,202 $1,201
Interest Rate 5.00% 7.50%
Term 60 months 48 months
Payment Per Month $241.70 $261.30
Finance Fees $1,694 $1,735
Total Investment $17,704 $13,743

Tote The Note Car Dealers in Kansas City, KS

Kansas City Buy Here Pay Here

Often known as buy here pay here, tote the note, or your job is your credit car lots, these establishments ordinarily have a few key features. They…

  1. Approve car loans without 3rd party approval.
  2. Don’t require credit checks.
  3. Want you to make your installment payments every seven days, often at the lot.

Sometimes folks with very bad credit believe that a buy here pay here car lot is the only real establishment that will finance them, even though there are plenty of negatives:

  • Excessive Loan Rates
  • In-Person Payments
  • Lack of Ability to Improve Credit Score

Which Cars Are Right For Kansas City Consumers

Wondering how much you ought to pay for a car? Take a look at these estimates, revealing how much car the average Kansas City consumer can afford based on a monthly income of $1,601, a car payment equivalent to 8% of this income, and a term of 5 years–the most extended term that’s advisable.

Good Credit Okay Credit Subprime Credit
Income Per Month $1,601 $1,601 $1,601
Payment $128 $128 $128
APR 3.50% 7.00% 11.00%
Down Payment $1,760 $1,617 $1,473
Interest Paid $644 $1,217 $1,794
Price with Interest $9,445 $9,302 $9,157
Purchase Price $8,801 $8,085 $7,363

Cars in Kansas City, KS


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