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Auto Loans in Hicksville (NY)

Car loans with bad credit in Hicksville – it’s our specialty. A good credit record may give you more affordable rates of interest, but we can help you find the Hicksville bad credit auto loan you need. Each day, we help consumers get approved for auto financing even with:

Auto Loans Hicksville NY
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  • Subprime Credit
  • No History of Credit
  • Bankruptcies

It’s what we do. Are you ready to get moving? Please click here to apply online.

Hicksville Car Dealerships for Bad Credit

You might want to stay clear of buy here pay here car lots, reputed as they are for unethical auto lending. There are more trustworthy dealerships that arrange loans through banks, credit unions, and finance companies–all of which are subject to tougher state and federal guidelines. Any time you have less-than-perfect credit, you can expect:

  • Higher rates of interest.
  • Bigger down payment requirements.
  • Less significant loan amounts.

But keep in mind, the experience is superior to that of a buy here pay here dealer, and your vehicle will cost you less in the end. There are many such dealerships in our network, and you can find one willing to work with your credit by applying online.

Used or New Vehicle?

Used and new vehicles each have their own benefits. Since new cars lose value so rapidly, you may be happier with a pre-owned vehicle.

New Car Pre-owned Car
Years Old 0 1
Price $26,020 $19,515
Down Payment $5,204 $1,952
Interest Rate 5.00% 7.50%
Term 60 months 48 months
Monthly Payment $392.82 $424.67
Interest Paid $2,753 $2,820
Total Paid $28,773 $22,335

Buy Here Pay Here Car Dealers in Hicksville, NY

Buy Here Pay Here Car Dealers in Hicksville New York
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Have you considered getting your car loan at a buy here pay here dealership in Hicksville? These Hicksville bad credit car dealerships don’t rely on banks or finance companies to approve their customers, so they can work with a wider array of borrowers.

For consumers who have really bad credit, Hicksville buy here pay here car dealers in many cases are the only option, even though New York bad credit car loans from banks and credit unions typically involve less expensive rates.

Financing Recommendations for Hicksville Residents

If your financial well being is important to you, your car payment should not be more than 10% of your monthly income. To prevent equity issues and exorbitant finance fees, choose a repayment term of just 60 months, at the most. If you abide by these guidelines, you will wind up buying a car or truck which costs around 50% of what you make annually. In Hicksville, where the average income is $31,228 annually, the average consumer would purchase a car which costs $15,612. Don’t forget, this is at the upper end of what you ought to budget. Quite a few authorities propose devoting just 10-30% of your income for a new car or truck.

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