Getting your loan pre-arranged streamlines the car-buying process, and we can help. Our vast network of lenders and dealers is standing by, awaiting your application. When you apply online, the dealers and lenders in our network compete for your business.
Credit Scores of 620 or Lower
If you have less-than-perfect credit, you’ve come to the right place. After all, subprime financing is our specialty. If you were to go from one lender to another, completing applications, you’ll probably be rejected once or twice. Our process is much easier: you can apply online, and we’ll find a lender who can fund your loan, even if your credit is less than perfect. If you have subprime credit, you’ll typically have your application placed with a bad credit car dealer or auto lender. Companies like these will report your installments to the credit reporting agencies. This is crucial to rebuilding your credit. It’s a simple process. Go here to submit your secure application.
Should I Offer a Down Payment?
Don’t have a down payment? No problem. That said, a down payment affords you important advantages:
- Shortens loan, meaning you pay less in interest.
- Reduces payment amount.
- Reduces negative equity.
Nevertheless, we realize that down payments take a lot more time and effort these days. Apply online, and indicate zero down payment in the appropriate section. We will place your application with a lender willing to approve you for financing, no down payment required.
Crossville Buy Here Pay Here Financing
In House financing is commonly known as:
- We Finance
- Rent to Own
- Tote The Note
- Your Job is Your Credit
These dealers finance people who cannot get approved by a traditional lender due to bad credit. They approve people with issues like open bankruptcy, foreclosure, or repossession in the last year.
Crossville-Specific Credit, Income Numbers
Lenders are concerned with more than just your FICO rating. Loan companies look at the following:
- History of Payments
Listed below are some average stats for residents of Crossville.
- Pre-Tax Income: $1,090 Per Month
- Average Car Payment: $120 (11% of Income)
- Recommended Car Payment: $87 to $109 (8%-10% of Income)
If you have subprime credit, you’re not alone. This chart depicts how many people in Crossville are in each credit tier.
|FICO Score||% of Population||Residents|
Your credit score will have a significant impact on your annual percentage rate, but if you have sufficient income, we can typically find somebody to finance you, even if you have bad credit.
Ready to get started? It’s easy to apply online.