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Auto Loans in Atlantic City (NJ)

If you are searching for a new car, it’s likely that you need an auto loan to get yourself behind the wheel of the car you want. We make it easy to submit your application via our secure platform. It is hard to imagine a more convenient way to obtain the financing required for your new car.

Car Loans Atlantic City NJ

Atlantic City Car Dealers for Bad Credit

You shouldn’t let credit stand in the way of your next car. We have access to dealers in Atlantic City that want to get you the loan you need, regardless of what your credit score is. In general, these dealerships offer:

  • Interest rates that aren’t astronomical.
  • Down payments that won’t leave you broke.
  • Vehicles that are more dependable.

The specific models you’re eligible for will be based on how much you make per month, as well as what your credit score is. It is far better purchase a vehicle that won’t wipe out your bank account, having a payment that amounts to 10% of your income, if not less. For people bringing in $2,312 a month, the average among Atlantic City residents, this equals out to a payment of $231.

An auto lending specialist can help you determine how much you can borrow, and at what interest rate. Just go here to submit your application.

Should You Finance a Pre-owned Vehicle?

Have you thought about whether you’re going to buy a new or used vehicle? It’s an important decision. A brand new vehicle drops in value 20% during the first 12 months of ownership, and 50% after 36 months, which means you can often get more for your money by purchasing pre-owned.

New Car Pre-owned Car
Age New 3 Years Old
Price $23,120 $11,560
Down Payment $4,624 $1,156
APR 5.00% 7.50%
Years 5 4
Payment Amount $349.04 $251.56
Finance Fees $2,447 $1,671
Total Paid $25,567 $13,231

Buy Here Pay Here Dealerships in Atlantic City, NJ

Maybe you’ve thought of getting financed at a buy here pay here dealership in Atlantic City? These Atlantic City bad credit car lots offer car loans directly, quite often without checking the applicant’s credit. Considering that they don’t depend on a bank or credit union for approval, they can help a larger array of clientele.

For folks who have terrible credit, Atlantic City buy here pay here car dealers tend to be the only real way to go, despite the fact that the cost of your vehicle will be higher on account of excessively high rates of interest, plus chances are your FICO rating will not go up as you pay down the loan. That’s because these car lots have no relationship with Equifax, Experian, and Transunion.

Securing the Ideal Loan

You may find that you’re qualified to finance a higher priced car than is prudent. At most, 8% of your monthly earnings ought to be allocated to your car payment. For a consumer with a monthly income of $2,312, the Atlantic City average, this would be $185.

Exceptional Credit Fair Credit Poor Credit
Income Per Month $2,312 $2,312 $2,312
Monthly Installment $185 $185 $185
APR 3.50% 7.00% 11.00%
Term 5 Years 5 Years 5 Years
Down Payment $2,542 $2,335 $2,127
Total Interest $930 $1,757 $2,591
Total Paid $13,639 $13,433 $13,224
Vehicle Price $12,709 $11,676 $10,634

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