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Auto Loans in Dallas (TX)

For men and women with a bad credit score, getting financed is the largest hurdle to getting a new car, even if it is pre-owned. In an effort to assist you, the consumer, we work with bad credit car dealers in Dallas, Texas.

Every single day, we help men and women secure the auto loan they need regardless of:

  • A Bad Credit Score
  • Limited Credit
  • Bankruptcies
  • Property Foreclosure

It’s our mission. Are you ready to begin? Visit here to apply online.

Dallas Car Dealerships for Bad Credit

Dealers that have departments dedicated to sub-prime financing are, in many cases, known as bad credit dealerships. Since this is a high-risk loan, you can expect elevated rates of interest, heftier down payments, and shorter lending terms. On the other hand, they will line up your financing through lenders that supply information to the credit bureaus, which is critical if you’re hoping to raise your credit score. At Motive Auto Finance, we work with many of these dealerships, and you can get paired with one by applying online.

Zero Down Car Deals in Dallas?

Do you have money saved for a down payment? You might need one. A down payment minimizes investment risk, because the buyer finances a smaller percentage of the vehicle’s worth. Simultaneously, a down payment helps you avert negative equity. That being said, we understand that saving 10-20% of the final cost of a new car can be time consuming. However, you can sell your existing vehicle, then put what you make toward your down payment. Otherwise, you could trade it in at the dealership.

In House Financing Car Dealers in Dallas, TX

Maybe you’ve thought about getting approved through a buy here pay here car dealer in Dallas? These kinds of Dallas bad credit dealerships don’t rely on banks or third-party lenders to approve their customers, so they can support a wider range of consumers.

If you’ve got horrible credit, Dallas in house financing car dealers tend to be the only way to go. But bear in mind, there are plenty of downsides:

  • High Interest Rates
  • In-Person Payments
  • Lack of Ability to Improve Credit Score

Which Cars Are Best For Dallas Borrowers

Want to know how much you ought to commit to a car? Have a look at the following scenarios, showing how much the Dallas consumer ought to spend based on an income of $1,401 a month, a payment of $112, and a term of 60 months.

Prime Credit Decent Credit Poor Credit
Monthly Installment $112 $112 $112
APR 3.50% 7.00% 11.00%
Money Down $1,540 $1,415 $1,289
Borrowed Funds $6,161 $5,660 $5,155
Total Interest $564 $1,065 $1,570
Total Paid $8,265 $8,140 $8,014
Car Price $7,701 $7,075 $6,444

Used Cars for Sale in Dallas, TX

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