Auto Loans in Brentwood (TN)

Trying to find the best way to finance a car in Brentwood? Search no further. Our loan-finding platform takes the headache out of getting approved. Just apply online, and we’ll work to get you approved from a lender or dealer who suits your needs.

What if I Have Credit Problems?

A bad credit score can be a problem when trying to finance a car, but not when you apply through us. There is no minimum credit score for applying, and we can help applicants who fall fall into any of the subprime credit tiers.

Credit Tier FICO Range
3/C 581-659
4/D 520-580
5/F 250-519

We can get you approved for financing by a bad credit car dealership in Brentwood – online! Apply Online!

No Down Payment?

Excellent credit? Then you might not need to provide a down payment. If you have weak credit, however, your dealer may require you to furnish a payment in advance. As you can imagine, consumers with less-than-perfect credit pose a greater risk for the finance company. Non-payment is more likely, and a down payment ensures that at least a percentage of the vehicle has already been paid for in advance. That isn’t to say that dealers don’t have financing options for people who don’t have a down payment.

We get people approved everyday, despite issues with their credit and down payment. Apply now!

Brentwood Buy Here Pay Here Financing

Buy here pay here financing is commonly known as:

  • We Finance
  • Rent to Own
  • We Tote The Note
  • Your Job is Your Credit

These dealers finance consumers who cannot get approved anywhere else due to poor credit. They specialize in helping people with problems like open bankruptcy, foreclosure, or repossession on their records.

Brentwood-Specific Financial Profile

Dealers and lenders are worried about a lot more than just your FICO score. Lenders review the following:

  • Ability
  • Employment History
  • History of Debt Repayment

The following are average statistics for Brentwood residents.

  • Average Income: $47,295 Per Year
  • Average Car Payment: $434 (11% of Income)
  • Ideal Car Payment: $315 to $394 (8%-10% of Income)

Less-than-perfect credit is fairly common these days in Brentwood and across Tennessee. This table shows the estimated number of Brentwood residents at each credit level.

FICO Score % of Population Residents
300-499 2% 715
500-549 5% 1,787
550-599 8% 2,860
600-649 12% 4,290
650-699 15% 5,362
700-749 18% 6,434
750-799 27% 9,652
800-850 13% 4,647

No matter where you find yourself in this chart, we can help. We help credit-seekers of all credit scores and income levels. That’s our primary goal.