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Auto Loans in Vancouver (WA)

Worried about financing a car in Vancouver with poor credit? You needn’t be. Good credit may grant you more options, but we can help you get approved for a bad credit auto loan in Vancouver to suit your budget.

Seven days a week, we help folks in Vancouver get approved for a loan even with:

  • Very Bad Credit
  • No History of Credit
  • Bankruptcy
  • Property Foreclosure
  • Unsettled Bills
  • Credit Card Debts

It’s our specialty. Are you ready to get cracking? Visit here to submit your application.

Bad Credit Car Dealers in Vancouver, Washington

Bad credit scores have been a bigger problem ever since the recession, and a lot more dealerships now have finance departments that cater to people who have non-ideal credit. As compared with a BHPH car lot, such dealers offer:

  • Less owed at signing, in terms of money down.
  • Reduced rates of interest.
  • More advantageous repayment terms.
  • Less chance of being scammed.
  • Ability to rebuild your credit.

Your credit and income dictates how much car you can afford. Here we have an example based on the average per-person income in Vancouver, $3,037 per month:

Credit Income Factor Amount
Great Credit 10 $30,370
Fair Credit 9 $27,333
Slow Credit 8 $24,296
Poor Credit 7 $21,259
Horrible Credit 6 $18,222

Remember that this is nothing but an estimate. You might be eligible to borrow more than this, or less.

Submit an application to speak with a vehicle lending specialist about your options.

Will You Need a Down Payment?

Want to finance a new car, but you don’t have a down payment? A down payment provides several benefits:

  • Less risk of negative equity.
  • Reduced loan amount.
  • Lower loan-to-value ratio, which means a lower interest rate.

Although we may be able to aid you in getting approved for an auto loan in Vancouver with zero down, we generally encourage down payments.

Vancouver Buy Here Pay Here Car Lots

The buy here pay here industry has boomed in the past few years, largely due to the fact that so many consumers’ credit ratings suffered on account of the housing market and slow economy. Dealers like these will finance almost anyone, no matter their credit, but you will find downsides. Downsides include:

  • Ridiculous Interest rates
  • Inflated Down Payments
  • Steeply-Priced Cars and Trucks
  • Invasive Repossession Practices

And if that weren’t enough of an issue, these dealerships almost never report to the credit agencies, so you could make all of your payments on a monthly basis without reviving your FICO score.

Cars in Vancouver That Fit Your Budget

Please do not purchase a car that strains your budget. The following table demonstrates how much car the average Vancouver consumer can afford based on an income of $3,037 per month, a payment of $243, and a term of 60 months–the longest term you should consider.

Great Credit Okay Credit Subprime Credit
Payment Amount $243 $243 $243
Loan Rate 3.50% 7.00% 11.00%
Down Payment $3,339 $3,067 $2,794
Total Interest $1,222 $2,308 $3,403
Total Investment $17,916 $17,645 $17,371
Purchase Price $16,694 $15,337 $13,968


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