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Car Loans – Guntersville (AL)

We can often get you into the driver’s seat a car or truck you want on the very same day you complete an application. Allow us to find you the car loan that fits you best. Here’s how it works:

Bad Credit, Need Car in Guntersville (AL)

Having a good credit score is sought after by creditors and borrowers equally, but it is uncommon to find a car shopper whose credit file is flawless.

Thankfully, our auto lenders and auto dealerships worry more about your current income than your history of credit. Assuming you can make the payments, we can usually find you a bad credit auto loan in Guntersville, AL. With regard to bad credit car loans in Guntersville, we are really the smartest option.

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Repayment of Borrowed Funds

Auto Loan in Guntersville Alabama
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Have bad credit? Need a car? Then you need to not only have sufficient income, you should have a reasonable number of current debt payments. Auto loans can make cars seem less expensive, as they cut up the price over a period of 2 to 7 years. Do not be fooled by this, as it could lead you to exceed your budget. Around 10% of a person’s monthly income should be spend on their finance package.

Guntersville’s residents have incomes of roughly $31,664 per year. The following is a brief review of how much the average Guntersville consumer should spend:

Income Annually

Earnings Per Month

Monthly Payment

Car Cost

  • $31,664

  • $2,639

  • $264

  • $11,084

What about down payments? If you have the cash for a down payment, congratulations. You can request no money down auto loans in Guntersville, AL, but a down payment is always a good idea. Usually, down payments are 10 to 20%. For a $11,084 vehicle, this is $1,108 to $2,217.

Auto Finance Rates in Guntersville, AL

Your rate of interest will determine how much your vehicle costs in the long term.

Can you find a parent or sibling who would co-sign your loan? In that case, this could lower your annual percentage rates a good bit, so long as he or she has favorable credit. Keep in mind that a co-signer will be legally obligated to pay off the loan if you don’t.

It is simply imperative that anyone considering cosigning for you recognizes the risks before they agree to co-sign the loan.

In House Financing Car Loans in Guntersville (AL)

The large majority of dealers do not approve auto loans themselvesbut not in house financing dealerships. They approve people for financing in house. The principal benefit to this kind of finance is that these dealers meet the needs of applicants with terrible credit, but the negative aspects are substantial.

Our dealers and lenders will get you the AL bad credit auto loans you need with significantly better terms.

Guntersville Auto Lenders and Dealerships

Motors & Cash
  • Address: 21162 USHighway 431
  • Zip Code: 35976
  • Phone: (256) 582-7524
  • URL:
Anderson Johnny Motors
  • Address: Highway 431 South
  • Zip Code: 35976
  • Phone: (256) 878-6974
  • URL:
Alexander Chevrolet Inc
  • Address: Highway 431 North
  • Zip Code: 35976
  • Phone: (256) 878-0281
  • URL: http://www.alexanderautomotive.com
One Stop Auto Sales
  • Address: 14431 USHighway 431
  • Zip Code: 35976
  • Phone: (256) 582-4956
  • URL:
Lake City Motors
  • Address: 2002 Patterson Street
  • Zip Code: 35976
  • Phone: (256) 582-3236
  • URL:
Southeast Auto Credit
  • Address: 7965 Al Highway 69
  • Zip Code: 35976
  • Phone: (256) 753-2445
  • URL:
Bob Hembree Motor Company
  • Address: 11982 Us-431
  • Zip Code: 35956
  • Phone: (877) 228-2140
  • URL:
Bob Hembree Chevrolet
  • Address: 435 Blount Ave
  • Zip Code: 35957
  • Phone: (256) 582-5603
  • URL: http://www.chevrolet.com/