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Auto Loans in Pasadena (TX)

A few years back, you needed to go from one Pasadena lender to the next, applying for loans to do a comparison of rates. At Motive Auto Finance, we have made it much easier to secure the auto loan you need. We make it easy to apply for financing through our vast network of dealers and lenders. We put you in touch with a lending professional who will work tirelessly to get you financed.

Bad Credit Car Dealerships in Pasadena, TX

When you’ve got below-average credit, dealer financing is probably the way to go, because most all the banks will be unwilling to do business with you. On the other hand, there are dealers with lending experts dedicated to helping you get financed. As compared to a buy here pay here dealer, such dealers can offer:

  • Less owed upfront, in cash or trade equity.
  • Lower APR rates.
  • Fairer finance terms.
  • Opportunity to improve your credit.

You may not be able to finance all the cars in the showroom. With bad credit, the upper limit of what you can borrow is 6 to 8 times the amount you make on a monthly basis. For residents of Pasadena making $2,119 per month, this is $12,714 to $16,952. That being said, it’s smarter to borrow a limited amount, confining your monthly payment to 10% of your income–$212, in our example. Apply online to learn your options.

Zero Down Auto Loans in Pasadena

Are you looking to buy your car with zero down payment? When financing a car, you want to pay it off at a faster rate than it depreciates. If the your vehicle loses value more quickly than you can pay it off, then you have negative equity. A down payment works against depreciation.

Keep in mind that the trade equity from your old vehicle can be put toward your down payment. Essentially, this means you’ll be able to, finance a car without putting down any money out of pocket.

Buy Here Pay Here Auto Loans in Pasadena, Texas

Maybe you’ve considered heading to a buy here pay here dealer to get approved? Normally, there are better alternatives. These dealers will approve pretty much anybody, regardless of their credit, but you will find issues. The fact is, you will be faced with exorbitant rates of interest, massive down payments, and somewhat battered vehicles that are too expensive in light of the shape they’re in. Because of this, these dealers don’t have a great reputation. Let us connect you with subprime finance specialist who can get you the loan you need, even if your credit is horrible.

Cars in Pasadena For Your Budget

You can easily buy a car that overtaxes your finances. The following chart reveals how much car the average Pasadena consumer can afford based on a monthly income of $2,119, a payment of $170, and a finance term of 60 months.

Prime Credit Okay Credit Bad Credit
Monthly Payment $170 $170 $170
APR 3.50% 7.00% 11.00%
Down Payment $2,330 $2,140 $1,949
Interest Paid $853 $1,610 $2,374
Total with Interest $12,501 $12,311 $12,120
Vehicle Price $11,648 $10,701 $9,746


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