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Auto Loans in Lexington (KY)

Serious about getting a car financed in Lexington with bad credit or zero down? We have relationships with dealers and lending companies who finance auto loans for bad credit in Lexington on a regular basis. Seven days a week, we help men and women in Lexington secure the auto finance deal they need despite:

  • A Low Credit Score
  • Minimal Credit
  • Bankruptcies
  • Foreclosure
  • Repossessions

It’s our specialty. Want to get rolling? Follow this link to apply online.

Lexington Car Lots That Accept Bad Credit

You shouldn’t let credit prevent you from buying your next car. We work with dealerships in Lexington that can give you a second shot at financing. More often than not, these dealers offer:

  • Interest rates that aren’t exorbitant.
  • Down payments that are fair.
  • New vehicles, instead of only pre-owned ones.

The specific models you’re eligible for will be based on your monthly income and credit score. So as to reduce the risk of loan default or repossession, consider an affordable, efficient vehicle with payments of just 10% of your income–at maximum. For people earning $1,355 per month, the average among Lexington residents, this is a payment of $136. Submit an application to have a finance specialist confirm how much car you can afford.

Buying a Car in Lexington with Nothing Down

A down payment may be a hassle, but if you’ve got below-average credit, it might be a requirement. Lenders prefer that you provide money upfront, since doing so will decrease risk inherent in the loan, which means a lesser rate of interest.

Despite the fact that there are no down payment car deals in Lexington, we normally endorse down payments.

Buy Here Pay Here Car Dealers in Lexington, KY

Maybe you’ve considered getting approved through a buy here pay here car lot in Lexington? These Lexington in house financing dealers don’t depend on banks or third-party lenders to fund their loans, so they’re able to help a wider range of shoppers. Sometimes consumers with really terrible credit feel like a buy here pay here car lot is the only establishment that will approve their credit, even though the loan rates are much higher than you’d expect from a dealership that offers indirect financing. Furthermore they seldom report payments to the credit bureaus, meaning your credit score won’t increase even if they pay off the loan on time.

Will This Rebuild Your Credit?

It might sound like empty hype, but it isn’t: not only does a car loan help you purchase the car you need, it can raise your credit rating. When you make your payments in a timely manner, you demonstrate to lenders your worthiness as a borrower. Try your best not to get behind on your payments, because this can have the opposite impact: a weakened credit score. It is tough to gauge the amount your score is going to rise, but improvements of 5-10% have been noted.

New And Used Cars in Lexington, KY


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