Auto Loans in Pigeon Forge (TN)

Would you like to pre-arrange your financing? We can help. Our industry-leading network of dealers and lenders is standing by, waiting for your application. Apply online, and our lenders compete to fund your loan.

Financing a Car with Bad Credit

Special Finance is one of our specialties.

As a matter of fact, we work with with Tennessee dealers and lenders who work with people of each different credit tier. You’ll typically have your application placed with a bad credit car dealer or auto finance company. Both of these types of companies will submit payment data to the credit reporting agencies, which is a prerequisite for reestablishing your credit. Apply Now!

Zero Down Payment Deals?

If you have a favorable credit record, then yes: you can typically get a car loan without a down payment. But if your credit is sub-optimal, your dealer may require you to provide a down payment. The reason is simple: consumers with bad credit represent more risk for the loan company. Default is more likely, and a down payment makes certain that at least a percentage of the loan has already been secured. What’s promising is, as the economy gets better, more and more dealers and lenders should be able to offer car loans with no down payment.

Apply online, and enter a zero in the down payment field. We’ll connect you with a lender who can finance your purchase, no down payment necessary.

Pigeon Forge Buy Here Pay Here Dealers

This type of financing is sometimes known as:

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

These dealers make credit decisions on the lot, instead of relying on banks or lenders. Payments are made to the dealer, sometimes weekly, and the cars and trucks for sale are typically priced at less than $10,000.

Pigeon Forge Consumer Profile

Contrary to popular belief, there’s more to the approval process than just your FICO score. Creditors review the following:

  • Income
  • Stability
  • Credit History

Here are some average statistics for residents of Pigeon Forge.

  • Gross Income: $1,601 Per Month
  • Average Car Payment: $176 (11% of Income)
  • Recommended Car Payment: $128 to $160 (8%-10% of Income)

Next we have broken down Pigeon Forge’s population by FICO rating. These estimations should give you a general idea of where you stand in relation to other consumers in your community.

FICO Score % of Population Residents
300-499 2% 861
500-549 5% 2,152
550-599 8% 3,444
600-649 12% 5,166
650-699 15% 6,457
700-749 18% 7,748
750-799 27% 11,623
800-850 13% 5,596

Your credit rating will largely determine your annual percentage rate, but as long as you have sufficient income, we can typically find somebody to finance you, even if you have bad credit.

Our secure online application makes the process fast, safe, and easy, even if your credit has seen better days.