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Auto Loans in Greensburg (PA)

There are quite a few ways to obtain a car loan in Greensburg, but we offer unparalleled speed and support. We have a diverse network of dealers and lenders, and we have lenders and dealers set and ready, awaiting your application. You will be led one step at a time through the process by a lending specialist near you.

Bad Credit Car Dealers in Greensburg, Pennsylvania

Car dealerships in Greensburg that offer credit approvals in house are termed in house financing car dealers, buy here pay here car lots, or tote the note car lots. You’ll be happier finding a car dealership that can finance your bad credit through a trusted lender. Compared with a buy here pay here car lot, such dealers can offer:

  • More competitive APR rates.
  • Lower down payments.
  • Option to restore your credit.

The cars and trucks for which you’re qualified will be based on what you earn on a monthly basis, as well as how high your credit score is. If you want to steer clear of missed payments or repossession, consider a modest, fuel-efficient vehicle with payments that amount to just 10% of your income–at maximum. For people earning $1,109 on a monthly basis, the average in Greensburg, this is a payment of $111.

An experienced lending professional will determine how much you can borrow, and at what rate. If you want to talk with one, be sure you submit your application.

New or Used: The Choice is Yours

We’ve found that many shoppers aren’t aware that you can finance a pre-owned car, not just one that’s brand new. In a lot of cases, a used vehicle is the better choice. The interest rates on new cars are low, sure, but used vehicles are much cheaper.

New Car Pre-owned Car
Age New 3 Years Old
Price $11,090 $5,545
Down Payment $2,218 $555
Interest Rate 5.00% 7.50%
Months 60 48
Payment Per Month $167.43 $120.66
Finance Fees $1,174 $801
Total Investment $12,264 $6,346

Greensburg Buy Here Pay Here Dealerships

Maybe you’ve thought about financing a car through a BHPH dealer on account of bad credit? Ordinarily, there are considerably better options. These dealers will finance pretty much anyone, no matter their credit, but you will find downsides. Alas, you should expect inflated interest rates, huge down payments, and cars and trucks that cost too much given their age and condition. Is improving your credit a concern for you? Then you should contact an auto finance professional through us, as BHPH car lots will not help you boost your credit.

Picking a Vehicle

The car you should opt for, in terms of price, will be based mainly on your income and APR. Only about 8% of your monthly income should be allocated to your loan payment. For Greensburg residents, who have an average income of $1,109, this is $89.

Great Credit Fair Credit Subprime Credit
Monthly Income $1,109 $1,109 $1,109
Payment Amount $89 $89 $89
Rate 3.50% 7.00% 11.00%
Term Length 5 Years 5 Years 5 Years
Money Down $1,219 $1,120 $1,020
Loan $4,877 $4,481 $4,081
Total Interest $446 $843 $1,243
Total Paid $6,542 $6,443 $6,343
Car Price $6,096 $5,601 $5,101


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