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Auto Loans in Rocky Mount (NC)

Here at Motive Auto Finance, we’re proud to help people in Rocky Mount get an auto loan, even when they’re confronted with well-known hurdles to getting approved:

  • Rocky Credit
  • No Credit History
  • Zero in Cash or Trade

For years, we’ve been establishing a network of dealers and lenders across the nation, and that means we can help applicants from every end of the credit spectrum. We place your application with a finance professional whose job is to get you approved for the car you want.

Rocky Mount Dealerships That Work with Bad Credit

If you are looking for a car dealer in Rocky Mount that is receptive to people with low credit scores, we can help. Since you’re a higher-risk applicant, you can expect higher rates of interest, more substantial down payments, and more stringent repayment terms. With that being said, it’s much better than not being able to buy a car, and if you make your payments on time, you can increase your credit score in the process of repaying your loan. There are many of these dealers in our network, and when you submit your application, we connect you with one who wants to approve your credit.

No Money Down Cars in Rocky Mount?

A down payment, as you probably know, is the money owed for your vehicle at signing. Dealers and lenders like you to supply a down payment, because it will lower risk inherent in the loan. For you, this means a more affordable APR rate and possibly better terms.

We may be able to get you approved with no money down, but typically a down payment is a good idea.

Buy Here Pay Here Financing in Rocky Mount, NC

Maybe you’ve considered going to a buy here pay here dealer for approval? Ordinarily, there are considerably better options. A lot of dealer finance is outsourced, as dealerships go through a network of lenders to offer the loans, but BHPH dealers function as both dealer and lender.

Regrettably, you can look forward to high interest rates, huge down payments, and well-used vehicles that are overpriced. There is a good reason why these dealerships don’t have the best track record. We can connect you with a reputable dealer who can put you in the driver’s seat, even if you’ve been through bankruptcy.

Securing the Right Loan

You may find you’re eligible to buy a higher priced vehicle than you really ought to. Not more than 8% of your monthly income ought to be allocated to this new payment. To give an example, residents of Rocky Mount make, on average, roughly $1,731 each month, and 8% of this is $138.

Exceptional Credit Decent Credit Bad Credit
Monthly Income $1,731 $1,731 $1,731
Monthly Installment $138 $138 $138
Rate 3.50% 7.00% 11.00%
Years 5 5 5
Down Payment $1,903 $1,748 $1,592
Total Interest $697 $1,315 $1,940
Total with Interest $10,212 $10,057 $9,901
Sticker Price $9,515 $8,742 $7,961


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