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Auto Loans in Pittsfield (MA)

Do you need to get an auto loan with bad credit? The great thing is, we’ve got car lots in our network in Pittsfield that finance poor credit.

Each day, we help men and women in Pittsfield get approved for the cars they want despite challenges like:

Car Loan Pittsfield Massachusetts
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  • Poor Credit
  • No Credit History
  • Bankruptcies
  • Property Foreclosure
  • Unpaid Bills
  • Credit Card Debts

That’s what we do. Are you ready to get cracking? Visit here to submit your application.

Pittsfield Car Dealerships for Bad Credit

Nowadays, many dealerships have finance departments whose sole purpose is serving people with damaged credit. Since you’re a higher-risk applicant, you can expect steeper interest rates, heftier down payments, and smaller loans. With that being said, they will line up your financing through banks and finance companies that report to the credit reporting agenciesenabling you to rebuild your credit. At Motive Auto Finance, we work with many such dealerships, and you can get matched with one by submitting your application.

No Down Payment Cars in Pittsfield?

It’s often necessary to offer money down on the vehicle you want, especially if you’ve got poor credit. If you are concerned with your ability to furnish any money down, a second-hand car might be a more sensible choice. Take a look at the following example.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Lost Value 0% 25% 40% 50%
Price $10,120 $7,590 $6,072 $5,060
Percentage Down 20% 10% 10% 10%
Down Payment $2,024 $759 $607 $506

Although there are no down payment car loans in Pittsfield, we generally endorse down payments.

Buy Here Pay Here Car Lots in Pittsfield, MA

Maybe you’ve thought of getting financed at a buy here pay here dealership in Pittsfield? Such Pittsfield in house financing car dealerships provide auto loans on-site, quite often without a credit check. Given that they don’t depend on a bank or finance company for approval, they’re able to help a broad variety of customers.

For people who have really bad credit, Pittsfield in house financing car lots tend to be the only real option, even though the cost of your car or truck will be inflated on account of exorbitant loan rates, plus it is likely that your FICO score will not show improvements since these car lots have no relationship with Equifax, Experian, and Transunion.

Which Cars Are Right For Pittsfield Consumers

It’s essential to select a vehicle that is affordable based on your interest rate and income. To leave yourself in the best shape monetarily, spend only 8% of your monthly income on your new payment. For Pittsfield residents, who have an average income of $1,012, this is $81.

Excellent Credit Fair Credit Bad Credit
Monthly Installment $81 $81 $81
Interest Rate 3.50% 7.00% 11.00%
Down Payment $1,113 $1,022 $931
Total Interest $407 $769 $1,134
Total Paid $5,970 $5,880 $5,788
Vehicle Price $5,563 $5,111 $4,654


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