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Auto Loans in Great Falls (MT)

A bad credit score can be a significant hurdle when getting approved to finance a car, but our clients have very high success rates. It’s a good idea to work with a lender or dealer who appreciates the chance to fund your loan, no matter your credit. Through the years, we’ve developed an extensive network of dealers and lenders who are hoping to fund your purchase, even if your credit score is weak.

Simply complete your loan application, and we will match you with a finance professional from a dealer or lender in your area.

Car Loan Great Falls MT

Bad Credit Car Dealerships in Great Falls, MT

If you suffer from a bad credit score, dealer financing is probably your best bet, since most banks will be unwilling to work with you. Having said that, there are dealers that can get you the loan you need at at a rate that’s reasonable. Whenever you have adverse credit, you can expect increased interest rates, more substantial down payments, and smaller loans. With that being said, keep in mind you are getting a car, of course, but also the opportunity to rebuild your credit. We work with many such dealerships, and when you submit your application, we work hard to match you with one who wants to approve your credit.

New or Used Car

New versus used? It pays to do your research. Brand new vehicles have cheaper interest rates. However, they are priced significantly higher than their preowned brethren, and the down payments required are a lot larger.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Vehicle Price $13,640 $10,230 $8,184 $6,820
Down Payment $2,728 $1,023 $818 $682
APR 5.00% 7.50% 7.50% 7.50%
Length 60 months 48 months 48 months 48 months
Monthly Payment $205.92 $222.62 $178.09 $148.41
Finance Charge $1,443 $1,479 $1,183 $986
Total Investment $15,083 $11,709 $9,367 $7,806

Your Job is Your Credit Dealers in Great Falls, MT

Known as buy here pay here, tote the note, or your job is your credit car dealers, these businesses ordinarily have a few fundamental features:

  • They furnish auto loans on-site.
  • They don’t perform credit checks.
  • They want you to make payments 2-4 times per month, often at the lot.

Many people with very bad credit think that an in house financing car lot is the only real place that will take their credit. Unfortunately, the cost of your car or truck will be higher on account of outrageous rates, and it’s unlikely that your credit rating will go up as you pay back the loan. This is because these car lots have no relationship with Equifax, Experian, and Transunion.

Which Cars Are Ideal For Great Falls Consumers

It can be tempting to finance a higher priced car than you really ought to. This table reveals how much the Great Falls consumer ought to spend based on an income of $1,364 a month, a payment of $109, and a term length of 60 months–the longest term that’s advisable.

Exceptional Credit Okay Credit Bad Credit
Monthly Income $1,364 $1,364 $1,364
Payment Amount $109 $109 $109
Rate 3.50% 7.00% 11.00%
Money Down $1,500 $1,378 $1,255
Note Size $5,998 $5,511 $5,019
Interest Paid $549 $1,036 $1,528
Total Paid $8,047 $7,925 $7,802
Purchase Price $7,498 $6,888 $6,273

New And Used Cars in Great Falls

Zipcode Make Model Minimum Price Maximum Price Condition
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