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Auto Loans in Huntington (WV)

Cars have become ever more pricey in recent years, but if you approach the auto lending process properly, you can save a small fortune in the long run. We assist consumers in Huntington each and every day who wish to get approval online for financing. It truly is hard to imagine a more convenient way to finance your next car.

Huntington Car Dealers for Bad Credit

If you are trying to find an auto dealer that is receptive to people with poor credit, welcome to Motive Auto Finance: we’re happy to help you find the dealer that suits your credit and budget. Unlike buy here pay here dealers, these dealers offer:

  • Interest rates that aren’t exorbitant.
  • Down payments that are fair given the vehicle’s worth.
  • Vehicles that are more reliable.

You may not meet the criteria to finance just any car in the showroom. With credit problems, you can borrow six to eight times the amount you make per month. For the Huntington consumer earning $258 a month, this is $1,548 to $2,064. Then again, it’s far better to borrow a smaller amount, reducing your monthly payment to only 10% of your income–$26, in this case.

An automobile lending expert can help you determine how much you’re eligible to borrow, and at what interest rate. Just go here to submit your application.

Do You Need a Down Payment?

A down payment might be an inconvenience, but when you’ve got a bad credit score, it’s often required. A down payment offers multiple benefits:

  • Lessens the length of time you are underwater.
  • Less needs to be borrowed, which means you’ll owe less in interest fees.
  • Less lender risk, leading to a reduced interest rate.

It’s not impossible to buy a car in Huntington without a cash down payment, particularly if you trade in your existing vehicle. Apply online to chat with a dedicated finance professional and go over your options.

Buy Here Pay Here Auto Loans in Huntington, West Virginia

Folks resort to buy here pay here dealerships, convinced that they will only be able to get financed at one of these places. Not so. Most dealer financing is indirect, in that car dealers go through banks and lenders with whom they have relationships to fund the loans. By contrast, buy here pay here dealers handle everything on site. They make approval decisions on location, generally without any credit check. Problems include exorbitant rates and down payments, along with steeply-priced vehicles and bimonthly payments There is a reason why these dealers don’t have the best reputation. We can place you in the hands of dealer finance specialist who can get your loan funded, even if your credit is really bad.

Repairing Your Credit in Huntington

If you’re hoping to start repairing the damage to your credit, keep away from in house financing dealers. Our dealers and lenders can help you get your credit to a better place. To help increase your credit, make sure you make your payments when they’re due, month in and month out.

Of course, credit score increases are slow and steady, gaining traction over time. Lots of banks and finance companies allow you to arrange an automated payment each month, so the money is taken directly from your checking account.

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