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Auto Loans in Bozeman (MT)

We understand the stumbling-blocks you face when trying to finance a car with bad credit. We help you find a lending company who has your best interests in mind. We’re proud to work with an unmatched network of lenders and dealers who can approve your finance request in real time, affording you any number of benefits:

  • Quicker funding.
  • Superior bargaining power.
  • Greater self-assurance on the lot.

Just apply online, and we will match you with a lending specialist from a dealer or lender local to you.

Bozeman Car Lots That Take Bad Credit

Those dealerships that grant loans on site are known as in-house financing, tote the note, or buy here pay here car dealers. It’s far better to find a car dealer that grants bad credit car loans in Bozeman, Montana through an accredited lender. Any time you have credit problems, expect more expensive rates of interest, larger down payments, and more stringent lending conditions. But keep in mind, don’t forget that you’re getting not just a car, but also the chance to improve your credit. There are many such dealerships in our network, and when you apply online, we work hard to pair you with one who wants to fund your loan.

Used or New Vehicle?

Have you considered whether you’re in the market for a new or used car? In a lot of cases, a used car is the better choice. The interest rates on new cars are lower, but used vehicles cost a lot less.

New Car Used Car
Age New 3 Years Old
Price $10,570 $5,285
Down Payment $2,114 $529
APR 5.00% 7.50%
Months 60 48
Payment $159.58 $115.01
Finance Charge $1,119 $764
Total Paid $11,689 $6,049

Buy Here Pay Here Dealerships in Bozeman, Montana

Most people in Bozeman and across Montana go to buy here pay here dealerships, also referred to as in house financing dealers, convinced that they can only get financed without a credit check. Not the case. Dealers like these will approve just about anybody, no matter their credit, but there are problems with sort of financing. Unfortunately, you will be faced with exorbitant loan rates, expensive down payments, and somewhat battered vehicles that are overpriced. If strengthening your credit score is important to you, you should contact an auto finance specialist through us, seeing as BHPH car lots won’t help you in re-establishing your credit.

Credit Considerations for Bozeman Consumers

So long as you pay off the loan as agreed, financing a vehicle has the ability to raise your FICO score. Applying for and paying off an auto loan, on time and as contracted, demonstrates that you are a great person to invest in, resulting in lower interest rates and more advantageous terms in times to come. The positive results are progress, gathering momentum over time. Lots of dealers and lenders enable you to arrange an automatic monthly payment, so the payment is subtracted from your checking account.

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