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Auto Loans in Annandale (VA)

Financing a car is a choice that will affect you on a daily basis for many years down the line, so it is crucial to work with a finance expert to secure the right loan. We’ve spent years establishing a network of lenders and dealers across the state of Virginia, and we have agents set and ready, expecting your application. Let us match you with a finance professional who can help you obtain the car loan needed for the car you prefer.

Car Loans Annandale VA

Bad Credit Car Dealers in Annandale, Virginia

Dealerships with teams dedicated to supporting credit-challenged customers are known as bad credit car dealerships. Contrary to buy here pay here dealers, these larger dealers offer:

  • Fairer interest rates.
  • Reasonable down payments.
  • New and pre-owned vehicles.

Your credit and income will dictate how much car you can get financed. Here’s an example based on the average per-capita income in Annandale, $6,146 per month:

Credit Multiplier Sum
Great Credit 10 $61,460
Average Credit 9 $55,314
Temporary Bad Credit 8 $49,168
Poor Credit 7 $43,022
Terrible Credit 6 $36,876

Remember, this is merely an estimate. You might be eligible to finance a greater or lesser amount.

Submit an application to see how much you can borrow.

Zero Down Car Loans in Annandale

A down payment, as you might know, is the amount you owe in advance, in cash or trade equity, when you sign for any vehicle that’s financed. When financing a car, you are racing against depreciation. If the car is worth less than what’s owed on it, then you are the wrong way up on the loan. A down payment works against depreciation–especially important if you’re being charged a high rate of interest.

Fortunately, your traded-in vehicle may be put toward your down payment, helping you to finance a car without having to put down any actual cash.

Buy Here Pay Here Dealers in Annandale, VA

Have you considered heading to a buy here pay here dealer to get approved? Ordinarily, there are considerably better alternatives. These dealers will approve pretty much anybody, regardless of their credit, but you will find issues.

Problems include outrageous lending rates, money due at signing, and vehicle prices, and you’ll probably get a vehicle that ended up being repossessed multiple times Is strengthening your credit a priority for you? If so, you are better off applying through us, seeing as BHPH dealerships won’t assist you in increasing your credit.

Cars in Annandale That Fit Your Budget

Be careful not to finance a car or truck that’s not really affordable. Not more than 8% of your income each month should be devoted to your new payment. For a resident of Annandale bringing in $6,146 a month, the city average, this would be $492.

Good Credit Fair Credit Subprime Credit
Payment Amount $492 $492 $492
Loan Rate 3.50% 7.00% 11.00%
Money Down $6,757 $6,208 $5,653
Total Interest $2,473 $4,670 $6,887
Total Paid $36,258 $35,709 $35,154
Vehicle Price $33,785 $31,039 $28,267


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