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Auto Loans in Redmond (WA)

Getting approved to finance a car was no big issue prior to the downturn, but not any longer. We allow you to find a lender or dealer that can finance people who haven’t got amazing credit. We’ve built a vast network of dealers and lenders that are able to finance people who’ve got lots of different credit histories, even those who’ve been plagued by issues such as:

  • Bad credit.
  • Low income.
  • Collections.

All you need to do is complete your online application, and we will do our best to connect you with a dealer or lender in Redmond who can get you the loan you need.

Auto Loan Redmond WA

Bad Credit Car Dealers in Redmond, Washington

Don’t allow credit to keep you from the driver’s seat of your next car. We work with dealerships in Redmond that are able to give you a second shot at financing. Compared to a buy here pay here car lot, such dealerships typically offer less expensive rates and considerably better terms. The types of vehicles you can finance will be decided by what you make each month, along with how high your credit score is. It is best to consider an easily affordable, dependable vehicle that has payments amounting to 10% of your income–at maximum. If you make $3,436 a month, this translates to a payment of $344.

A finance consultant can help you determine how much you can borrow, and at what APR. Just go here to submit your application.

Your Choice of Vehicle: New or Pre-owned

We’ve seen that quite a lot of buyers aren’t aware that new cars aren’t the only thing you can finance. You can finance pre-owned vehicles as well.. Brand new cars and trucks have much lower interest rates. That said, they cost a lot more than their late-model counterparts, and the down payments they require are considerably larger.

New Car Used Car 1 Used Car 2 Used Car 3
Age New 1 year old 2 years old 3 years old
Price $34,360 $25,770 $20,616 $17,180
Down Payment $6,872 $2,577 $2,062 $1,718
APR 5.00% 7.50% 7.50% 7.50%
Months 60 48 48 48
Payment Per Month $518.73 $560.78 $448.63 $373.85
Interest $3,636 $3,725 $2,980 $2,483
Total Paid $37,996 $29,495 $23,596 $19,663

Buy Here Pay Here Financing in Redmond, Washington

Considering heading to a buy here pay here dealer for a car that could be financed? Usually, there are more attractive alternatives. Such car lots approve funding in-house, whereas a lot of dealerships contract this, and they typically don’t reject anyone.

Cons include outrageous lending rates that often flirt with the state’s legal limit, in addition to higher than average repossession rates If maximizing your credit score is important to you, and why wouldn’t it be, you are better off applying through us, as buy here pay here dealerships can’t help you raise your credit.

Credit Recovery for Redmond Borrowers

Generally, established banks and finance companies report consumer data to the three main credit bureaus, which provides you the chance to re-establish your credit. To help increase your credit, be sure to make your payments on time, month in and month out.

Your score doesn’t improve the second you pay back your loan. Rather, it will increase little by little as you continue making payments on schedule. It is not easy to estimate how much your score will climb, but per-month improvements of 5-10% have been observed.

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