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Car Loans – Attalla (AL)

Nearly everybody needs an auto loan to be able to pay for a new car or truck, but given the economic crisis, far fewer people in Attalla are getting accepted. Auto finance companies and dealerships that finance bad credit in Attalla have implemented exacting acceptance criteria on account of the recession. This is particularly the case if you have special circumstances like a background that includes repossession, non-payment, insolvency, or poor credit. Luckily, we work with many finance companies who can approve consumers with bad credit in Attalla. What are we charging for this service? Not a cent.

Getting Approved

The city’s average monthly income is $2,495, and the average credit rating is 676. Remember, you don’t need to make in excess of $1500 per month to qualify for auto loans in Attalla, AL.

For the very best odds of acceptance, you should have:

  • Salary In Excess Of $1500 Per Month Before Taxes
  • At Least 12 Months Of Employment
  • Present Loan Payments No More Than Half of Salary

Earnings or fico scores too low? You may still meet the requirements with a co-buyer, larger down payment, or with buy here pay here car lots in Attalla, AL.

Auto Loans For Used Cars in Attalla (AL)

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Have you sat down with a calculator and run the numbers for this new vehicle? Generally speaking, it is best to invest just 18-20 percent of your monthly wages for installment payments, gas, and routine maintenance. If you earn $2,495 monthly (the Attalla average), this means $449-$499 per month. Never spend more than one fifth of your income on your cars.

Buying a Car with Bad Credit in Attalla, Alabama: Tips

It is very important to budget thoroughly for your auto loan in Attalla, AL. This rule of thumb is crucial: don’t allocate above 15% of your income a month toward repaying your bad credit auto loan.

  • $374: 15% of average income in Attalla, Alabama
  • $125: 5% for gas, routine maintenance, etc.

Besides that, you want to offer a sizeable down payment whenever you can. Of course, we can help you get Alabama car loans with no down payment, but such loans come with a greater risk of becoming upside down.

The credit crunch has nearly killed the traditional SUV. Currently, considerably more buyers have been opting for smaller, fuel efficient cars and crossovers.

Dealerships That Take Bad Credit in Attalla (AL)

For many folks in Attalla, Alabama, buy here pay here dealerships are becoming the last option with regards to getting financed. These car lots have many names:

  • Bad Credit Dealerships
  • Tote The Note Car Lots
  • Your Job is Your Credit Car Lots
  • In House Financing Dealerships

To many applicants, getting their auto loan without a credit check seems awesome.

Regrettably, they have a few potential shortcomings:

  • Outrageous Interest Rates
  • Substantial Down Payments
  • High Mileage Used Cars and Trucks
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Make sure that you check out any AL in house financing car lot on the internet. If at all possible, find a friend or relative who has dealt with them recently. Ask them whether or not they had a good experience.

Used And Bad Credit Dealerships in Attalla, AL

Bud's Used Cars
  • Address: 406 3rd St SW
  • Zip Code: 35954
  • Phone: (256) 538-7777
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JC Cars
  • Address: 218 Cleveland Ave
  • Zip Code: 35954
  • Phone: (256) 538-3200
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Thomas Sean Auto Mart
  • Address: 929 5th Avenue Northeast
  • Zip Code: 35954
  • Phone: (256) 538-1855
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Hubbard Auto Sales LLC
  • Address: 6284 USHighway 431
  • Zip Code: 35954
  • Phone: (256) 538-5755
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Turner S R Motors
  • Address: 512 1st Street Northeast
  • Zip Code: 35954
  • Phone: (256) 538-2636
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M & M Used Cars
  • Address: 1560 9th Street Southwest
  • Zip Code: 35954
  • Phone: (256) 538-0770
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Roger's Auto Sales
  • Address: 15210 USHighway 278 West
  • Zip Code: 35954
  • Phone: (256) 538-2122
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Jones Mack Motors
  • Address: 927 5th Avenue Northeast
  • Zip Code: 35954
  • Phone: (256) 538-0707
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Bynum Joe Auction CO
  • Address: 3980 Pleasant Valley Road
  • Zip Code: 35954
  • Phone: (256) 538-0408
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Sports Auto
  • Address: 401 3rd Street Southwest
  • Zip Code: 35954
  • Phone: (256) 538-0401
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J D Enterprises
  • Address: 603 Gilbert Ferry Road Southeast
  • Zip Code: 35954
  • Phone: (256) 538-7747
  • URL: