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Auto Loans in Harrisonburg (VA)

Getting a car financed was easy prior to the downturn, but those times are gone. We enable you to find a lender that appreciates the chance to fund your loan, no matter your credit. We’ve spent years forming a wide-ranging network of dealers and finance companies that want to finance your car, whether you’d like a new or used car. An auto finance specialist will be at your side, helping you line up your finance package before you ever step foot on the lot. Feel free to apply for your loan.

Auto Loans Harrisonburg VA

Bad Credit Car Dealers in Harrisonburg, Virginia

Given the rise in bad credit across the country, more and more dealerships now have finance departments specializing in subprime auto lending. Since this is a high-risk loan, expect:

  • Rates of interest that are steeper.
  • Down payments that are bigger.
  • Repayment periods that are shorter.

On the plus side, remember that you’ll be getting not just a car, but also the chance to rebuild your credit. We work with many of these dealerships, and you can find one willing to accept your funding request by submitting your application.

Buying a Car in Harrisonburg with No Money Down

Do you have a down payment saved for your new car? More often than not, one is required. Banks and finance companies want to see you supply a down payment, because it lessens the risk inherent in the loan, meaning you’ll enjoy a lesser interest rate and improved terms. You may be able to secure an auto loan in Harrisonburg with no money down, particularly if you have an above-average credit score. Submit an application online to get in touch with a qualified lending consultant and check if there are no down payment cars available in your part of Virginia.

Harrisonburg Buy Here Pay Here Dealers

Buy here pay here dealerships wants you to think that you can’t get approved anywhere else. However, this is seldom the way it is. Dealers like these will approve virtually anybody, no matter their credit, but there are downsides.

Problems with sort of financing include:

  • Outrageous Interest
  • Inflated Down Payments
  • Overpriced Cars and Trucks
  • Invasive Repossession Tactics

This is why these dealerships don’t have an outstanding reputation. We can put you in touch with a reputable dealer who can get you behind the wheel of an excellent car, even if you’ve had to file bankruptcy.

Improving Your Credit in Harrisonburg

Along with providing you with the funds you’ll need, an auto loan can actually help you get your credit back to normal. Credit improvement isn’t instant, but within a year or so, you ought to see your credit score start going up. Your score won’t spike the instant you pay off your loan. Rather, it will rise bit by bit as you keep on paying your bills month after month. Of course, the benefits associated with a healthier score are tremendous, including lower interest rates and insurance premiums, not to mention superior job opportunities.

Used Cars for Sale in Harrisonburg, VA

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