Get an Auto Loan Quote

Auto Loans in Woods Cross (UT)

It is smart of you to research financing ahead of time, as the benefits are myriad:

  • A shorter time on the car lot.
  • Chance of a reduced APR.
  • Personalized dealer appointment.

We make it easy to apply for financing through our extensive network of dealers and lenders. We match you with a lending specialist who can help you line up the auto loan needed for the vehicle you want.

Bad Credit Car Dealerships in Woods Cross, UT

If you are trying to find a dealership in Woods Cross that will take poor credit, you’re in luck. As with all subprime loans, you can expect:

  • Steeper interest rates.
  • Substantial down payments required.
  • More stringent repayment conditions.

However, they will get you approved through lenders that report back to the credit reporting agenciesenabling you to raise your credit score. We have many of these dealers in our network, and when you apply online, we work hard to pair you with one who wants to fund your loan.

Reducing Your Woods Cross Rate of Interest

Securing the cheapest rate of interest possible–it’s extremely important.

If you don’t think interest rate is important, take a peek at the numbers that follows.

Good Credit Fair Credit Poor Credit
Size of Loan $41,805 $41,805 $41,805
APR 3.50% APR 7.00% APR 11.00% APR
Payment $761 $828 $909
Interest Paid $3,825 $7,862 $12,732

Raise your credit score, and you will enjoy lower rates of interest. At AnnualCreditReport.com, you can check your report once annually, at zero cost, and challenge any inaccuracies you find, possibly improving your credit score. Additionally, lenders consider your monthly debts as a percentage of your income–your debt-to-income ratio–so paying off some of your other debts can result in a cheaper interest rate. Securing a shorter-term loan will also keep your rate lower, and it will also minimize negative equity. Down payments are also beneficial. The less you borrow compared with the value of your vehicle, the better your rate of interest is likely to be.

Buy Here Pay Here Dealers in Woods Cross, UT

Woods Cross In House Financing

Have you considered getting your vehicle through a buy here pay here dealership in Woods Cross? Such Woods Cross in house financing car lots don’t rely on banks or third-party lenders to fund their loans, so they can support a wider selection of borrowers. If you’ve got terrible credit, Woods Cross in house financing dealerships are often the only real option. But the truth is, Utah subprime car loans from credit unions and banks typically come with lower rates.

Credit Improvement for Woods Cross Consumers

If restoring your credit score is a goal of yours, keep clear of BHPH dealers. Our dealers and lenders can help you with your credit. An auto loan:

  • Provides you with the opportunity to build up your payment history (35% of your score).
  • Boosts your credit mix, or the array of credit types you’ve utilized (10% of your score).

Your score is not going to skyrocket the moment you pay off your loan. Rather, it will increase slowly and gradually as you continue paying your bills month after month. Of course, the benefits of a better score are considerable:

  • Reduced APR rates.
  • Lower rates for insurance.
  • Greater loan amounts.
  • Security deposits often waived.

Choose a Car from a Dealership in Woods Cross


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