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Auto Loans in Hilliard (OH)

In the old days, you would have to lender after lender, applying for loans to compare rates. Here at Motive Auto Finance, we have brought this process online. We assist consumers in Hilliard each and every day, helping them arrange their financing on the web. It really is tough to find a more convenient way to get approved for your next car.

Auto Loans Hilliard OH

Bad Credit Car Dealerships in Hilliard, Ohio

If you’re trying to find an auto dealer that will take bad credit, welcome to Motive Auto Finance: we can help. Since you’re a higher-risk applicant, certain things are to be expected elevated interest rates, more substantial down payments, and smaller loans. With that being said, remember that you’ll be getting a car, of course, but also the opportunity to build up your credit. At Motive Auto Finance, we work with many of these dealerships, and they want to get you behind the wheel of the car you need. Go here to apply online.

No Down Payment Auto Loans in Hilliard?

Even if your credit is good, a down payment–or the dearth thereof–can keep you from financing your car. A down payment lessens your loan-to-value ratio (LTV) by lowering the size of the loan in relation to the cost of the vehicle. The result is a reduced interest rate.

For those who have below-average credit, it might be hard to get a car financed with zero money down. That being said, bear this in mind: a trade-in can help you make a down payment, potentially without spending any cash.

Hilliard Buy Here Pay Here Dealers

Thinking about going to a buy here pay here dealer for approval? Typically, there are better options. These dealers will finance almost anybody, regardless of their credit, but you will find negatives. More often than not, higher-mileage autos are the only thing on the lot, and these Hilliard dealers may make you make payments weekly, in cash. Repossession rates are staggering, and so are the interest rates. For this reason, these dealerships have a sullied track record. We want to connect you with a reputable dealer who will work with you, even if you’ve had to file bankruptcy.

Selecting a Vehicle

Want to know what kind of car fits your budget? This is a good guideline: spend just 8% of your monthly earnings on a car payment. For a person living in Hilliard making $5,139 each month, the city average, this would be $411.

Exceptional Credit Fair Credit Bad Credit
Income Per Month $5,139 $5,139 $5,139
Monthly Payment $411 $411 $411
Rate 3.50% 7.00% 11.00%
Down Payment $5,650 $5,191 $4,727
Interest Paid $2,068 $3,905 $5,759
Total Investment $30,317 $29,858 $29,394
Purchase Price $28,249 $25,953 $23,636

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