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Auto Loans in Falls Church (VA)

Financing a car was no big issue prior to the credit crunch, but that’s no longer the case. It’s a good idea to work with a lender that really wants to help you finance the car you need. We’re proud to represent an unmatched network of dealers and finance companies that whose mission it is to get you into the car of your dreams. An auto finance expert will serve as your guide, leading you from one step to the next through the process. Go ahead and apply online for financing.

Bad Credit Car Dealers in Falls Church, Virginia

Car dealers in Falls Church that offer credit approval directly market themselves as in house financing car dealers, buy here pay here car lots, or tote the note dealers. You’ll be happier finding a dealer that can get you approved through an authorized lender. Since you’re a higher-risk applicant, certain things are to be expected increased interest rates and larger down payments, together with shorter repayment periods. However, it’s a lot better than not being able to buy a car, and these dealers can help you build up your credit and secure more affordable rates of interest later on. We have many of these dealerships in our network, and you can get pre-approved by applying online.

Can You Finance a Car with Zero Down?

A down payment, as you probably know, is the money owed in advance, often in cash, when you sign for any financed vehicle. Lenders want to see you provide money upfront, as doing so will decrease risk inherent in the loan. For you, that means a lesser rate of interest. For people who have bad credit scores, it might be next to impossible to finance a car without a down payment, but bear this in mind: trading in an existing vehicle could cover your down payment.

Your Job is Your Credit Car Dealers in Falls Church, VA

Have you thought about getting financed at a buy here pay here dealer in Falls Church? These Falls Church in house financing car dealers don’t rely on banks or lending companies to fund their loans, so they’re able to support a wide variety of clientele. For people with terrible credit, Falls Church in house financing dealers tend to be the only real option, despite the fact that there are a number of downsides:

  • High Interest Rates
  • Big Down Payments
  • High Risk of Repossession

What Car to Buy?

You can easily buy a car that overtaxes your budget. Take a look at the examples that follow, which demonstrate how much car the average Falls Church consumer can afford based on a monthly income of $3,914, a payment of $313, and a term of 60 months–the most extended term advisable.

Prime Credit Okay Credit Bad Credit
Payment Amount $313 $313 $313
Rate 3.50% 7.00% 11.00%
Money Down $4,303 $3,953 $3,600
Borrowed Funds $17,212 $15,813 $14,401
Interest Paid $1,575 $2,974 $4,386
Total Investment $23,090 $22,740 $22,388
Car Price $21,515 $19,766 $18,002

Cars in Falls Church, VA

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