Get an Auto Loan Quote

Auto Loans in Issaquah (WA)

Poor credit ratings are a hassle. The great news is, we have dealerships in our network in Issaquah that specialize in low credit scores. Every single day, we help men and women get approved for a loan even with:

  • A Low Credit Score
  • Zero Credit
  • Bankruptcies

This is what we do. Ready to begin? Follow the link to apply online.

Issaquah Car Dealerships for Bad Credit

When you have a low credit score, dealer financing is usually your best option, because the majority of banks won’t be willing to lend you the funds you need. Then again, there are dealers that can get you the loan you need at a reasonable rate. Unlike buy here pay here dealers, these dealers offer:

  • Lower APR rates.
  • Acceptable down payments.
  • Lower mileage vehicles.

The specific cars and trucks for which you’re qualified will be decided by the amount of income you make on a monthly basis, along with how high or low your credit score is. So as to reduce the risk of missed payments or repossession, consider a modest, reliable vehicle having payments amounting to 10% of your income, if not less. If you earn $5,066 per month, this is a payment of $507.

Submit an application to speak with a vehicle finance expert about how much car you can afford.

New vs. Pre-owned Cars

Have you thought about whether you want to buy a new or used vehicle? It’s something to think about. You’re able to finance a new car for longer, and at a cheaper interest rate, but you end up paying a lot more when it comes to purchase price and down payment.

New Car Used Car 1 Used Car 2 Used Car 3
Years Old 0 1 2 3
Price $50,660 $37,995 $30,396 $25,330
Down Payment $10,132 $3,800 $3,040 $2,533
APR 5.00% 7.50% 7.50% 7.50%
Duration 5 years 4 years 4 years 4 years
Monthly Payment $764.81 $826.81 $661.45 $551.21
Finance Fees $5,361 $5,491 $4,393 $3,661
Amount Paid $56,021 $43,486 $34,789 $28,991

Issaquah Buy Here Pay Here Dealerships

For people who have experienced bankruptcy or repossession, buy here pay here financing might sound like a good idea. It’s true, they rarely require credit assessments, so bad credit shouldn’t be a hurdle to getting approved, but chances are you will pay more than you think for your vehicle and its loan. Issues include:

  • Outrageous Interest rates
  • Outrageous Down Payments
  • Overpriced Vehicles
  • Ignition Interlocks

Even worse, these dealerships don’t report back to the credit agencies, so you could make each and every payment month after month without reviving your credit score.

Cars in Issaquah That Fit Your Budget

Make sure you don’t finance a car that stretches your finances. For best results, spend, at the most, in the neighborhood of 8% of your income each month on this new payment. If you live in Issaquah and make $5,066 on a monthly basis, this would be $405.

Good Credit Fair Credit Poor Credit
Monthly Installment $405 $405 $405
Rate 3.50% 7.00% 11.00%
Money Down $5,570 $5,117 $4,660
Note Size $22,278 $20,467 $18,640
Total Interest $2,039 $3,849 $5,677
Total Paid $29,886 $29,434 $28,977
Vehicle Price $27,848 $25,584 $23,300


Zipcode Make Model Minimum Price Maximum Price Condition
Total Records Found: , showing 5 per page



No Records found