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Auto Loans in Centreville (VA)

Getting your credit approved was simple before the downturn, but times have changed. We enable you to find a lending company who is receptive to your credit and income. We’ve spent years developing an extensive network of lenders and dealers that are willing to consider your application, even if you have been declined by other lenders.

Your auto finance manager will help you put together the auto loan you need. All you have to do is go to the your dealer’s lot and choose your car. Feel free to get financed.

Bad Credit Car Dealerships in Centreville, VA

Don’t allow credit to prevent you from buying your next car. We can pair you with dealerships all across Virginia that are ready to give you a second shot at financing. In any non-prime lending scenario, certain things are to be expected higher rates of interest, bigger down payments, and smaller loans. With that being said, remember that you are getting not only a car, but also the opportunity to boost your credit score. We work with many of these dealerships, and when you submit your application, we work hard to match you with one who wants to put you in the driver’s seat.

Best to Get a Used Vehicle?

We’ve seen that a good number of buyers in Centreville don’t realize that new cars aren’t the only thing you can finance. You can finance a used vehicle as well.. Given that new cars lose value so quickly, you might want to consider a used vehicle.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Vehicle Price $43,030 $32,273 $25,818 $21,515
Down Payment $8,606 $3,227 $2,582 $2,152
APR 5.00% 7.50% 7.50% 7.50%
Term 5 years 4 years 4 years 4 years
Monthly Installment $649.62 $702.28 $561.83 $468.19
Interest Paid $4,553 $4,664 $3,731 $3,110
Total Paid $47,583 $36,937 $29,549 $24,625

Buy Here Pay Here Auto Loans in Centreville, VA

People in the buy here pay here industry hopes you assume that they are your only option. However, this is very rarely the case. They won’t check your credit, which means your credit problems probably won’t be an impediment, but you really pay for this over time.

Alas, you can expect exorbitant annual percentage rates, big down payments, and high mileage vehicles that are steeply-priced. Is strengthening your credit a priority for you? Then you should contact an auto finance specialist through us, since BHPH dealers can’t help you restore your credit.

Budgeting Guidelines for Centreville Borrowers

It is advisable to devote just 10% of your monthly income for your new car payment. In addition, select a 5-year repayment term at most. With this payment and finance term, you will be purchasing a vehicle costing around 50% of your annual income. For Centreville residents with incomes of $51,630 per annum, the city average, this is $25,818. Basically, the less you’re able to spend while still obtaining a solid car or truck, the better.

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