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Car Loans – Athens (AL)

Have you got a credit rating 100% devoid of complications? Not likely. Contrary to public opinion, you can still get approved for a car loan in Athens, AL. We match you with finance companies who regularly offer auto loans to consumers in Athens, AL. Once you request an auto loan quote, we’ll use our wide-ranging partnerships to match you to the ideal loan company, bearing in mind factors such as:

  • Where You Live (Athens)
  • Your Credit History
  • Your Salary
  • Amount of Money Down

This is how it works.

  • For starters, you’ll want to submit your application online.
  • We’ll try to connect you with the ideal Alabama car loan lender for your income, down payment, and location.
  • If pre-qualified, you’ll be contacted by your Alabama car loan lender by telephone or email.
  • Finalize your auto finance documentation and choose your car or truck from an area car lot.

Income and Credit Ranking

The two most pressing criteria in any auto loan are credit standing and income. Athens consumers have an average credit rating of 676 and income of $28,943 each year. Each loan company has their private list of acceptance standards, and it’s rare for them to show these to applicants.

Generally, car loan providers require you to be employed with $1500 income monthly, and your level of existing debt, including your new loan, should not surpass 50% of how much you make per month. In Athens, Alabama, this equates to $1,206 (average).

Even when your income doesn’t satisfy the aforementioned criteria, you might qualify in one of the following ways:

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  • Get Somebody to Co-sign
  • Furnish More Money Down
  • Go with In House Auto Loans.

Used Auto Car Loans in Athens (AL)

Have you figured out how much you can afford to spend each month for this new car? Alright, it’s best to commit only a fifth of your regular monthly wages for your monthly payments, gas, and maintenance. If you make $28,943 a year (the Athens average), this equals $434 to $482 monthly. Obtaining car loans for used cars is most advantageous; after all, brand new cars and trucks lose value too soon to be a smart purchase.

Buying a Car With Bad Credit in Athens, Alabama: Tips

It is important to plan the right way for your auto loan in Athens, AL, particularly when you’ve got a low credit score. You wouldn’t want to decrease your fico scores even more. This rule of thumb is key: don’t spend over 15% of your income monthly toward paying back your bad credit auto loan. For the average Athens car shopper, this translates to $362. Besides that, you should provide a big down payment if you can. Yes, we can help you get Alabama automobile financing with no down payment, but these carry a greater chance of negative equity.

Dealerships That Approve Bad Credit: Athens, AL

A lot of AL buy here pay here lots enable you to buy a car without any credit check, but what they never tell you is this: this reduces your ability to boost your credit score.

At a buy here pay here car lot, also called no credit check or your job is your credit dealerships, the car loans are granted on location. Or in other words, these dealerships provide in house automobile financing to Alabama consumers who have bad credit. These types of car loans will often be supplied without a credit check.

Lamentably, there are a few key shortcomings. The rates of interest and advance payments are substantial, and you won’t have much of a chance to improve your credit rating through such a dealer.

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But don’t get worried, you will find there’s good possibility you could find the auto loan you want without resorting to BHPH financing.

Used And Bad Credit Car Dealerships in Athens, AL

Dave's Fast Cash
  • Address: 1211 U.S. 31
  • Zip Code: 35611
  • Phone: (256) 233-7200
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Don's Auto Sales
  • Address: 316 West Market Street
  • Zip Code: 35611
  • Phone: (256) 230-6642
  • URL: http://www.donsautosale.com
Larry's Used Cars
  • Address: 5580 USHighway 72
  • Zip Code: 35611
  • Phone: (256) 614-0908
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Jerry's Auto Sales
  • Address: 905 South Jefferson Street
  • Zip Code: 35611
  • Phone: (256) 216-0888
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Murphy's Used Cars
  • Address: 20224 Al Highway 127
  • Zip Code: 35614
  • Phone: (256) 232-2283
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U-Save Auto Rental
  • Address: 101 East Hwy. 72 Bypass
  • Zip Code: 35611
  • Phone: (256) 232-2813
  • URL: http://www.usave.net
Byrd Motors
  • Address: 23575 USHighway 72
  • Zip Code: 35613
  • Phone: (256) 230-1110
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Stephens Wholesale Used Cars
  • Address: 19405 Al Highway 127
  • Zip Code: 35614
  • Phone: (256) 230-9191
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Gregg's Auto Sales
  • Address: 616 USHighway 31 South
  • Zip Code: 35611
  • Phone: (256) 232-9675
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Jerry's Auto Sales
  • Address: 17026 USHighway 72
  • Zip Code: 35611
  • Phone: (256) 233-1477
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Ted's Car Center
  • Address: 1214 North Jefferson Street
  • Zip Code: 35611
  • Phone: (256) 233-1175
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Jimmy Smith Pontiac-Buick-Gmc
  • Address: 24450 USHighway 72
  • Zip Code: 35613
  • Phone: (256) 216-0906
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Harvest Wholesale Used Cars
  • Address: 910 North Jefferson Street
  • Zip Code: 35611
  • Phone: (256) 771-7878
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EZ Pay Auto Sales
  • Address: 1106 North Jefferson Street
  • Zip Code: 35611
  • Phone: (256) 216-1030
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Don's Auto Sales
  • Address: 401 South Jefferson Street
  • Zip Code: 35611
  • Phone: (256) 230-6768
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Reeves Auto Sales Incorporated
  • Address: 517 USHighway 72 West
  • Zip Code: 35611
  • Phone: (256) 230-9314
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D & J Motors
  • Address: Highway 72 Bypass
  • Zip Code: 35611
  • Phone: (256) 232-2813
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M & W Auto Parts
  • Address: 9819 Cowford Rd
  • Zip Code: 923
  • Phone: (256) 232-6604
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Mc Curry Motor Company
  • Address: 24305 Us-72
  • Zip Code: 35612
  • Phone: (256) 230-0006
  • URL: http://www.mccurrymotors.com/
Mc Clary Ford Lincoln Mercury
  • Address: 1104 Us Highway 72 E
  • Zip Code: 923
  • Phone: (256) 232-4242
  • URL: http://www.danwachtelfordl-m.com/
Access Automovite
  • Address: 1110 Us-31 S
  • Zip Code: 35615
  • Phone: (256) 444-0888
  • URL: http://www.access-autos.com/
D & J Motors
  • Address: 101 Us Highway 72 E
  • Zip Code: 923
  • Phone: (256) 232-2813
  • URL: