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Auto Loans in Grapevine (TX)

Getting your credit approved was easier before the credit crunch, but credit requirements have become more stringent since that time. We enable you to find a dealer or lender that finances cars and trucks at competitive rates of interest, even for people who have credit problems. We have spent years building a wide-ranging network of lenders and dealers that meet the needs of applicants on the entire credit spectrum, not just the highest levels. An auto finance agent will be right there to guide you, leading you step to step through the car-buying process. Go ahead and get approved.

Grapevine Car Lots for Bad Credit

Assuming you have poor credit, dealer financing is often the way to go, since the vast majority of banks will be hesitant to lend to you. Then again, there are dealers who want to win your business. As with any subprime loan, expect more expensive rates of interest, larger down payments, and smaller loans. On the plus side, remember you’re getting not only a car, but also the opportunity to boost your credit score. At Motive Auto Finance, we work with many such dealerships, and they want to get you the car you need. Go here to submit your application.

New or Pre-owned: Which is Better?

Have you considered whether you’re in the market for a new or pre-owned car? It’s an important decision. It’s possible to finance a new car for longer, and at a more affordable rate of interest, but you pay considerably more in terms of purchase price and down payment.

New Car Used Car
Years Old 0 3
Price $56,250 $28,125
Down Payment $11,250 $2,813
Interest Rate 5.00% 7.50%
Years 5 4
Monthly Payment $849.21 $612.03
Finance Fees $5,952 $4,065
Total Spend $62,202 $32,190

Buy Here Pay Here Car Lots in Grapevine, TX

Maybe you’ve considered going to a buy here pay here dealer for approval? Ordinarily, there are more attractive options. They may not conduct credit assessments, so your credit problems ought not be an impediment, but you really pay for this in the long run. Typically, higher-mileage cars and trucks are the only ones for sale, and dealers may require you to pay weekly, in person. Repossession is common, and the finance fees are very high. Is elevating your credit one of your goals? Then you should submit your application through us, as BHPH dealerships won’t aid you in boosting your credit.

Re-establishing Your Credit in Grapevine

Most lending companies report consumer data to the primary credit agencies–Transunion, Equifax, and Experian–which gives you the chance to build up your credit. If you pay your lender on time every month, you’ll start to develop a good history of debt payment, which accocunts for greater than 33% of your credit score.

Conversely, you can hurt your credit worse if you fall behind on your payments. You shouldn’t ignore the benefits of a superior FICO score. The positive effects are myriad, and all you have to do is pay your bills month in and month out.

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