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Auto Loans in Pleasant Hill (OR)

If you need to finance a car in Pleasant Hill, it is better to work with specialists like us. We make it easy to submit your application via our secure platform. Normally, we can place consumers with the right dealer or lender in real time.

Car Loans Pleasant Hill OR

Pleasant Hill Dealerships That Approve Bad Credit

Most banks don’t serve individuals with bad credit. Luckily, there are dealerships and specialty lenders that accept credit-challenged consumers. In any sub-prime financing arrangement, you can expect:

  • Interest rates that are higher.
  • Down payments that are bigger.
  • Loan repayment periods that are shorter.

On the plus side, the rates and terms are much more attractive than you would be given at a used lot that does in-house financing with no credit checks. At Motive Auto Finance, we work with many of these dealerships, and when you submit your application, we work hard to pair you with one who wants to put you in the driver’s seat.

Can You Get Approved with No Down Payment?

Even if your credit pretty good, a down payment can keep you from financing your car. Down payments lead to lower risk loans, because the lender has a better chance of recouping their losses if the vehicle must be repossessed. At the same time, a down payment helps you protect against negative equity.

Fortunately, your trade-in can be used as your down payment, helping you to finance a car with zero down, at least in cash.

Buy Here Pay Here Auto Loans in Pleasant Hill, Oregon

Buy here pay here dealerships would like you to think that you can’t get financed anywhere but with them. However, this typically isn’t the case. Sure, they do not pull your credit, meaning bad credit probably won’t be a barrier, but you end up paying more than you’d like for this.

Drawbacks include:

  • Outrageous Rates of Interest
  • Extortionate Down Payments
  • Steeply-Priced Cars and Trucks
  • Ignition Interlocks

For this reason, these car dealers don’t have a good reputation. Let us connect you with a reputable dealer who can put you in the driver’s seat, regardless of your credit.

Credit Considerations for Pleasant Hill Consumers

There are three main credit agencies:

  • Equifax
  • Experian
  • Transunion

In all likelihood, your lender or dealer will report your payments to these agencies, giving you a chance to restore your credit. To help increase your credit, make sure you make your payments on time, every time. Keep in mind that credit score increases are progress, not immediate, gaining traction over the course of months, if not years. Of course, the benefits to an improved score are monumental, including more affordable interest rates and insurance premiums, and even greater employment opportunities.

Used Cars in Pleasant Hill, OR

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