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Auto Loans in Flint (MI)

We come across too many Flint consumers who worry that credit problems will stop them from getting the car loan they need. The crucial thing is to find a lender that can approve your credit. We serve clients in Flint and throughout Michigan who want to get approval online for financing. You’ll be walked step-by-step through the auto financing process by a finance specialist near you.

Flint Car Dealerships That Finance Bad Credit

If you are searching for an auto dealer that approves people with poor credit, you’ve come to the right place. In most cases, these dealerships offer:

  • Interest rates that are reasonable.
  • Down payments that won’t leave you broke.
  • Vehicles that have less mileage.

The dealer will review your credit and income to decide the specific cars you can finance. We recommend you go with a vehicle that won’t overly tax your finances, with a payment that amounts to 10% of your income–any higher, and you may find it difficult to make your payments on time and in full. For people who make $1,436 per month, the average among Flint residents, this equates to a payment of $144. Apply online to learn your options.

Is it Best to Purchase a New Vehicle?

New car? Used car? It’s up to you. Brand new cars and trucks have more affordable interest rates. That said, they’re priced a lot higher than their preowned peers, and you’ll be charged a bigger down payment.

New Car Used Car
Age New 3 Years Old
Price $14,360 $7,180
Down Payment $2,872 $718
Loan Rate 5.00% 7.50%
Length 60 months 48 months
Payment Amount $216.79 $156.24
Finance Fees $1,520 $1,038
Total Outlay $15,880 $8,218

Buy Here Pay Here Car Dealers in Flint, MI

Flint Buy Here Pay Here

Car dealers in Flint that offer in-house financing have certain common characteristics. They…

  1. Finance car loans without 3rd party approval.
  2. Do not require credit checks.
  3. Demand weekly or twice-monthly payments, often at the lot.

Sometimes men and women with very bad credit feel that an in house financing car lot is the only place that will finance them. But the truth is, the cost of your car or truck will be higher on account of excessively high loan rates. And if that weren’t enough, it is likely that your credit score won’t show improvements as you pay off what you owe. This is because these car lots have no relationship with Equifax, Experian, and Transunion.

Choosing a Vehicle

Car lots in Flint are filled with cars and trucks that you could finance, but probably shouldn’t. Try not to spend more than 8% of your monthly earnings on your car payment. For residents of Flint, who have an average income of $1,436, this would be $115.

Exceptional Credit Fair Credit Subprime Credit
Car Payment $115 $115 $115
Interest Rate 3.50% 7.00% 11.00%
Term 60 Months 60 Months 60 Months
Money Down $1,579 $1,450 $1,321
Interest Paid $578 $1,091 $1,609
Total Paid $8,472 $8,343 $8,214
Purchase Price $7,894 $7,252 $6,605

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