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Auto Loans in Fargo (ND)

If you are looking to purchase a new car, you probably will need a car loan. We do business with a diverse network of dealers and lenders, and we are dedicated to matching you to the dealer that is most likely to fit your needs. We place your application with a financing professional whose primary objective is to get you approved for the car you want.

Bad Credit Car Dealerships in Fargo, North Dakota

You shouldn’t let credit keep you from the driver’s seat of your new car. We have access to dealerships in Fargo that won’t turn you away, simply because your credit isn’t ideal. Just like any subprime loan, there are certain things to be expected:

  • Rates of interest that are more expensive.
  • Down payments that are bigger.
  • Payment periods that are shorter.

Having said that, the rates and terms are more favorable than you would get at one of Fargo’s buy here pay here lots. At Motive Auto Finance, we work with many of these dealerships, and you can find one ready to work with your credit by applying online.

Documentation Details

As a way to prevent identity theft, lenders must confirm things such as your identity, income, and place of residence. You will want to bring your driving license. It’s necessary for test-drives, and lenders need it to verify your identity. Lenders usually request to see a couple of your latest pay stubs to substantiate your income, but more could be necessary if your credit is a problem. Lenders refuse to finance a vehicle that’s not insured, so obviously, proof of insurance is another requirement. Proof of residence can be supplied by submitting a couple of recent electricity bills. Lenders need to know where to find the vehicle if they have to repossess it. The list of personal references may be used to verify any of the application data you’ve provided. More might be required, so always double check the requirements with your finance consultant before venturing out to purchase your new car or truck.

Buy Here Pay Here Dealerships in Fargo, ND

Buy Here Pay Here Car Dealers in Fargo ND
Get Approved!

Maybe you’ve wondered about getting a car loan at a buy here pay here car lot in Fargo? These types of Fargo in house financing dealers supply financing on site, often with no a credit check. Given that they don’t depend on a traditional bank or finance company to approve the applicants, they can support a wide selection of applicants. Many consumers with really bad credit think that a buy here pay here car lot is the only real establishment that will be willing to approve their credit. But the truth is, North Dakota bad credit car loans from banks and credit unions typically come with less expensive rates.

Managing the Cost for Your Vehicle

You may find you’re eligible to buy a higher priced car than you can actually afford. Try and avoid spending greater than 8% of your monthly income on a car payment. If you’re a resident of Fargo and earn $818 on a monthly basis, this would be $65.

Good Credit Fair Credit Bad Credit
Payment $65 $65 $65
Rate 3.50% 7.00% 11.00%
Years 5 5 5
Money Down $899 $826 $752
Borrowed Funds $3,597 $3,305 $3,010
Total Interest $329 $622 $917
Total Investment $4,826 $4,753 $4,679
Car Price $4,497 $4,131 $3,762


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