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Auto Loans in Seattle (WA)

Getting a car financed with a bad credit score used to be a major inconvenience – until we became a market-leader and made it easy to get financed by a bad credit car dealership in Seattle, Washington. Considering that a great many loan creditors are unwilling to work with people that have low credit ratings, it could take quite a while to find a loan lender all on your own. The good news is, we can offer you an advanced platform for car loan approval designed especially for applicants struggling with bad credit scores. Everyday, we help people in Seattle get approved for auto financing in spite of setbacks such as:

Bad Credit Auto Loan in Seattle WA
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  • Very Bad Credit
  • No History of Credit
  • Bankruptcies
  • Property Foreclosure
  • Repossession

This is our specialty. Want to get rolling? Simply click here to apply online.

Bad Credit Car Dealerships in Seattle, WA

Those car dealers in Seattle that grant credit approval on site advertise themselves as in house financing car dealers, buy here pay here car lots, and/or tote the note dealers. In all likelihood, you’ll have a better experience with car dealer that approves financing for people with bad credit through a trusted lender. They will perform a credit check, but they also report your payments to Transunion, Equifax, Experian – uncommon among Seattle BHPH car lots. Whenever you have credit problems, you can expect:

  • Interest rates that are steeper.
  • Down payments that are bigger.
  • Loans that are smaller.

Having said that, keep in mind you’ll be getting a car, sure, but also the chance to boost your credit score. Here at Motive Auto Finance, we work with many such dealerships, and they want to get you the car you need. Just go here to submit your application.

New vs. Pre-owned Cars

It gets asked over and over: what’s best, a new or used car? More often than not, a pre-owned vehicle is the better choice. The APR rates for new cars are low, but used cars cost a lot less.

New Car Pre-owned Car
Age New 3 Years Old
Price $20,490 $10,245
Down Payment $4,098 $1,025
Loan Rate 5.00% 7.50%
Years 5 4
Payment Per Month $309.34 $222.94
Interest Paid $2,168 $1,481
Total Spend $22,658 $11,726

Tote The Note Dealerships in Seattle, WA

In House Financing Car Dealers in Seattle WA
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Car lots in Seattle that offer in-house financing are distinct from traditional dealerships in certain key ways:

  • These dealers approve auto loans in house.
  • They rarely check your credit.
  • They demand weekly or biweekly payments, often in person.

A lot of men and women with really horrible credit assume that a buy here pay here car lot is the only establishment that will be willing to finance them. But the truth is, the cost of your car or truck will be higher as a result of excessively high loan rates. As if that weren’t enough, chances are your credit score will not get better as you pay off the loan. That’s because these dealers rarely report back to Equifax, Experian, and Transunion.

Re-establishing Your Credit in Seattle

This might seem like empty hype, but it isn’t: a car loan has other benefits. More than merely helping you buy the car you need, it can supercharge your credit rating. When you make your payments month after month, you show creditors that you’ll be someone they can put their trust in.

Alternatively, you can hurt your credit worse if you get behind on your payments. You shouldn’t undervalue the benefits of an enhanced FICO score. The positive effects are wide ranging, and you simply have to pay your bills on schedule each and every month.

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