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Auto Loans in Greenville (SC)

In the market for a new or preowned car or truck? If you’re like the majority of consumers in Greenville, it’s quite possible you will need a car loan to cover the full cost of the vehicle. Our market expertise is unparalleled, and that means we can help applicants of every credit tier and budget. It truly is tough to envision a more convenient way to get approved for your next car.

Auto Loan Greenville SC

Bad Credit Car Dealerships in Greenville, South Carolina

Car dealers with teams dedicated to helping car-shoppers with credit problems tend to be referred to as bad credit car dealerships. Just like any bad credit loan, expect steeper interest rates and larger down payments, together with smaller loans. However, the rates and terms are far better than you would be given at one of Greenville’s buy here pay here dealers. We have a great number of dealers in our network, and they want to get you the car you want. Go here to submit your application.

New or Pre-owned Car?

New or used? It’s up to you. Since new cars lose value so rapidly, you may be happier with a used vehicle.

New Car Pre-owned Car
Age New 1 Year Old
Price $11,120 $8,340
Down Payment $2,224 $834
APR 5.00% 7.50%
Length 5 years 4 years
Monthly Payment $167.88 $181.49
Finance Fees $1,177 $1,205
Amount Paid $12,297 $9,545

Buy Here Pay Here (BHPH) Car Dealers in Greenville, SC

Have you wondered about getting your vehicle through a buy here pay here car dealer in Greenville? These dealers don’t depend on banks or outside lenders to approve people for financing, so they can finance just about anybody, regardless of past credit history. In fact, in many cases they don’t even check your credit.

That said, this open-armed acceptance policy is counterbalanced by three main mandates:  high rates of interest, large down payments, and often the installation of tracking devices and/or ignition interlocks to aid in vehicle recovery (repossession). For any red-blooded American, this can be a tough mix to stomach, but folks with really terrible credit often feel that an in house financing car lot is the only real establishment that will be willing to take their credit.

This is isn’t the case. There are plenty of dealers and lenders in Greenville and the Upstate that finance people with issues like repossession and bankruptcy without resorting to BHPH practices. Apply today, and we’ll do our best to get you approved by such a company. You could be in the driver’s seat of your new set of wheels in as little as 24 hours.

Financing Guidelines for Greenville Consumers

Divide the amount you get paid on a monthly basis, prior to withholdings, by ten. It is best to spend this amount, or less, on your car payment each month. Furthermore, in order to minimize finance fees and negative equity, go with a 60-month repayment term at the maximum. This equates to a car or truck that costs roughly half of your yearly income. Here in Greenville, where the average income is $13,339 per year, the average consumer would purchase a car that costs $6,672. Any car you buy is an asset that depreciates, which means you should shell out the minimum amount you can and still obtain a car that won’t give you problems.

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