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Car Loans – Cullman (AL)

Need a car loan in Cullman, Alabama? We’ve taken the inconveniences out of auto financing in Cullman and all of Alabama. It’s possible to apply for auto loans in Cullman AL in just a few minutes.

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How much should you spend on an auto loan? Well, here is a good rule of thumb: spend no more than one fifth of your regular monthly wages for monthly payments, fuel, and maintenance. For your typical Cullman car owner, this equates to $375 to $416 a month.

Car Loans with Bad Credit: Cullman (AL)

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Getting a car or truck with bad credit was never this simple. Below are Alabama credit scores in general:

  • Average AL Credit Score: 676
  • Credit Score Seen as “Bad”: 620 or less
  • Number of Individuals with Adverse Credit: 12,070

No one wants to have their credit denied. We can help. Click this link to apply online.

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Almost all loan providers require consumers with a low credit score to have a regular income of $1500 each month, minimum, as well as only $750 monthly in debt payments (inclusive of your auto loan).

Auto Loans With Bankruptcy or Repossession in Cullman, AL

Filing for bankruptcy or having a car repossessed will drop your fico scores significantly. A great many Alabama residents believe that it’s impossible to get car loans after bankruptcy or repossession. Fear not; there are lenders that grant bad credit auto loans in Cullman, AL, even if you have undergone:

  • Filing for Bankruptcy (Ch. 7 or 13)
  • Foreclosure
  • Repossession

Often times though, you should be ready for some downsides: very high rates of interest and substantial down payment requirements.

No Credit Check Financing in Cullman (AL)

Interested in getting a car in Cullman, Alabama with no credit check? Buy here pay here car lots may be the only option.

When you go to a bad credit car lot, also referred to as no credit check or your job is your credit dealerships, the dealership does not rely on third party finance companies to approve financing. Put simply, these dealers grant in house financing auto loans to Alabama consumers with low credit scores. To many people, getting their car loan without any credit check seems wonderful. Unfortunately, there are several potential disadvantages. The loan rates and money due at signing are substantial, and you’ll have little chance to restore your credit rating through this sort of a dealer.

Never buy from an in house financing car dealer that you have not yet asked around about. When possible, track down a friend or relative who has bought a vehicle from them in the past, and find out if the dealership is known to be legitimate and honest.

Dealerships That Finance People With Bad Credit in Cullman, AL

King Auto Sales
  • Address: 11085 Alabama 157
  • Zip Code: 35057
  • Phone: (256) 734-7444
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J B Motors
  • Address: 18 County Road 441
  • Zip Code: 35057
  • Phone: (256) 739-0273
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K & K Autobody
  • Address: 2255 Us Highway 278 W
  • Zip Code: 35057
  • Phone: (256) 734-7388
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Culco
  • Address: 1000 Brunner Street Northwest
  • Zip Code: 35055
  • Phone: (256) 737-0290
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Sams Felton Used Cars
  • Address: 1212 2nd Avenue Southwest
  • Zip Code: 35055
  • Phone: (256) 734-0020
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Brian's Used Cars
  • Address: 2756 County Road 1339
  • Zip Code: 35055
  • Phone: (256) 739-4373
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Stadium Auto Sales
  • Address: 2211 County Road 421
  • Zip Code: 35057
  • Phone: (256) 734-1334
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Wayne's Auto Sales
  • Address: 201 2nd Avenue Southeast
  • Zip Code: 35055
  • Phone: (256) 734-9689
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Sandlin Auto Corral
  • Address: 5720 Al Highway 157
  • Zip Code: 35058
  • Phone: (256) 736-1121
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Bivins Harry Used Cars
  • Address: 104 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 734-5003
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Randy's Auto Sales
  • Address: 2487 County Road 1545
  • Zip Code: 35058
  • Phone: (256) 734-1191
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Smith & Waldrop Pontiac-Buick-Gmc
  • Address: 1940 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 734-4472
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Taylor Billy Ray Auto Sales
  • Address: 901 2nd Avenue Northeast
  • Zip Code: 35055
  • Phone: (256) 737-0991
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Choice Motors
  • Address: 311 2nd Avenue Southwest
  • Zip Code: 35055
  • Phone: (256) 739-1166
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All American Auto Sales
  • Address: 61 Al Highway 69 North
  • Zip Code: 35055
  • Phone: (256) 775-3704
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North Alabama Wholesale Autos
  • Address: 1013 2nd Avenue Southeast
  • Zip Code: 35055
  • Phone: (256) 734-3362
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South Park Auto Sales
  • Address: 316 3rd Street Southwest
  • Zip Code: 35055
  • Phone: (256) 734-7381
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Johnson's Used Cars
  • Address: 2865 County Road 437
  • Zip Code: 35057
  • Phone: (256) 739-2592
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Need A Car
  • Address: 1611 4th Street Southwest
  • Zip Code: 35055
  • Phone: (256) 736-2040
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Yearwoods Used Cars
  • Address: 11151 USHighway 31
  • Zip Code: 35055
  • Phone: (256) 775-1533
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Economy Motors
  • Address: 101 2nd Street Southwest
  • Zip Code: 35055
  • Phone: (256) 737-5155
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Holiday Motors
  • Address: 408 5th Avenue Northeast
  • Zip Code: 35055
  • Phone: (256) 739-0226
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Cullman Business Services
  • Address: 1414 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 734-7443
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Shaddix Motors
  • Address: 1141 Al Highway 69 North
  • Zip Code: 35058
  • Phone: (256) 734-8300
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Lindsey Motors
  • Address: 352 Super Saver Road
  • Zip Code: 35055
  • Phone: (256) 734-9538
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Patterson Kenneth Motors
  • Address: 1215 County Road 437
  • Zip Code: 35055
  • Phone: (256) 739-9966
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Waldrop's Auto Sales
  • Address: 9838 Al Highway 69 North
  • Zip Code: 35058
  • Phone: (256) 796-8462
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Culpepper Auto Sales
  • Address: 107 9th Street Northeast
  • Zip Code: 35055
  • Phone: (256) 734-9400
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Brown Joel Auto Sales
  • Address: 5285 Al Highway 157
  • Zip Code: 35058
  • Phone: (256) 739-6111
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Bremen Motors
  • Address: 1915 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 737-9743
  • URL:
Auto World LLC
  • Address: 1415 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 735-1234
  • URL:
Taylor Billy Ray Auto Sales
  • Address: 810 2nd Avenue Southeast
  • Zip Code: 35055
  • Phone: (256) 739-0669
  • URL: http://www.billyraytaylorautosales.com
Classic Automotive Cadillac-Jeep
  • Address: 1645 2nd Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 734-0320
  • URL: http://www.classiccadillac.com
Quality Auto Mart
  • Address: 1634 Brantley Avenue Northwest
  • Zip Code: 35055
  • Phone: (256) 775-0054
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Bill Smith Buick GMC
  • Address: 1940 2nd Ave Nw
  • Zip Code: 35019
  • Phone: (256) 734-4472
  • URL: http://www.pontiac.com/