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Car Loans – Phenix City (AL)

At AL Auto Loans, we connect car shoppers who need an auto loan in Phenix City, AL with our auto finance companies, who have specific car credit services. When it comes to auto financing in Phenix City, preferred candidates meet these criteria:

  • $1500 Monthly Pay
  • No More Than 50% of Income Dedicated to Existing Loan Payments
  • Secure Employment

Any sort of credit standing can submit an application. Down payments are not considered necessary.

Bad Credit, Need Car: Phenix City, AL

Looking for a poor credit auto loan in Phenix City, AL? You aren’t the only person. According to recent reports, 14,824 of Phenix City’s 49,414 natives have a bad credit score.

Banking institutions and credit unions seldom finance car loans for people who have bad credit in Phenix City, in Alabama, or anywhere. However, auto dealers and auto finance companies have a vested interest in getting you behind the wheel. And keep in mind, this is is one of the better methods to repair your credit.

Apply For Phenix City Auto Loan Now!

Used Car Loans Phenix City AL

Let’s review your finances.

Phenix City residents get paid up to $24,605 every year, which is $2,050 each month. You ought to commit 10% or less of this amount for your auto loan. That means Phenix City car payments ought to be roughly $205.

What about no money down and drive deals in Phenix City, AL? If you can put money down, do it. You can often find zero down car loans in Phenix City, AL, but offering up a down payment will greatly improve your odds of approval. Most dealerships require down payments of about 10 to 20%. For a car or truck that costs $8,610, this is $861 to $1,722.

Guidelines for Auto Loans in Phenix City

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Want your rate of interest to be as cheap as it can be? No doubt you do!

Rates of interest for used cars in Phenix City are higher than rates on new vehicles. However, used cars and trucks are generally a better deal. The truth is, we recommend them for anyone who’s got bad credit. In order to get the best rates possible, you should:

  • Have your auto loan co-signed.
  • Finance for less than 5 years.
  • Provide 20% down.
  • Apply online.

Car deals that take 60 or more months to repay are persuasive, considering that they bring down how much you pay per month, but there are several considerations to take into account.

Paying down your car loan faster will equate to a less costly car or truck.

Car Loans Without Credit Check in Phenix City (AL)

We are here to tell you that a bad credit score does not mean you have to have a no credit check auto loan.

If you think you have to get your vehicle from an in house financing dealership, bad credit car dealer, buy here pay here dealership in Phenix City, we can sometimes get you in the driver’s seat of the car you have always wanted, even when your credit rating is 600 or less. Auto financing arranged through AL Auto Loans can build up your fico score, because our dealers report back to the credit agencies.

Dealerships and Auto Loan Providers in Phenix City

R & S Auto Sales
  • Address: 363 Woodland Dr
  • Zip Code: 36869
  • Phone: (334) 297-9144
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Bratton Automotive
  • Address: 197 Lee County Road 604
  • Zip Code: 36870
  • Phone: (334) 298-3334
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SRT Auto Sales
  • Address: 1310 14th Ave
  • Zip Code: 36867
  • Phone: (334) 448-4811
  • URL:
Gil's Auto Sales
  • Address: 3959 USHighway 80 West
  • Zip Code: 36870
  • Phone: (334) 297-4885
  • URL:
Phenix Auto Center Inc
  • Address: 1013 13th Street
  • Zip Code: 36867
  • Phone: (334) 291-9300
  • URL:
Choice Auto Sales
  • Address: 3605 Highway 431 North
  • Zip Code: 36867
  • Phone: (334) 297-0660
  • URL:
Williams Motor Company
  • Address: 2005 Opelika Road
  • Zip Code: 36867
  • Phone: (334) 291-9260
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Southern Auto Sales
  • Address: 2502 Crawford Road
  • Zip Code: 36867
  • Phone: (334) 297-0067
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Tomlin Motors Used Cars
  • Address: 4401 Auburn Road
  • Zip Code: 36870
  • Phone: (334) 298-8422
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BAMA Auto Sales
  • Address: 1601 East 280 Bypass
  • Zip Code: 36867
  • Phone: (334) 297-4090
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Wholesale Motors
  • Address: 2907 USHighway 80 West
  • Zip Code: 36870
  • Phone: (334) 298-5114
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Gil's Auto Sales
  • Address: 1712 East 280 Bypass
  • Zip Code: 36867
  • Phone: (334) 297-1860
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Broadway Motors
  • Address: 1615 Crawford Road
  • Zip Code: 36867
  • Phone: (334) 480-2025
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Automax
  • Address: 3783 USHighway 80 West
  • Zip Code: 36870
  • Phone: (334) 480-8890
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Prater Auto Inc
  • Address: 3843 USHighway 80 West
  • Zip Code: 36870
  • Phone: (334) 214-0210
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C Martin Auto Sales
  • Address: 1409 14th Street
  • Zip Code: 36867
  • Phone: (334) 298-0555
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Cars On Credit Inc
  • Address: 1218 14th Street
  • Zip Code: 36867
  • Phone: (334) 298-9500
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C & F Used Cars
  • Address: 322 South Seale Road
  • Zip Code: 36869
  • Phone: (334) 448-5792
  • URL:
Alaga Motors
  • Address: 1401 14th Street
  • Zip Code: 36867
  • Phone: (334) 298-0010
  • URL:
Red Dot Motors
  • Address: 1415 14th Street
  • Zip Code: 36867
  • Phone: (334) 298-8073
  • URL:
Bailey Don Auto Sales
  • Address: 1106 Broad Street
  • Zip Code: 36867
  • Phone: (334) 297-7711
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OKI Used Cars Sales
  • Address: 1510 East 280 Bypass
  • Zip Code: 36867
  • Phone: (334) 291-0059
  • URL:
Lee Massey Auto Sales Inc
  • Address: 1909 Crawford Road
  • Zip Code: 36867
  • Phone: (334) 297-8787
  • URL:
Gil's Auto Sales
  • Address: 1712 E 280 Byp
  • Zip Code: 923
  • Phone: (334) 297-1860
  • URL:
Deal Max Auto
  • Address: 1301 Us-280
  • Zip Code: 923
  • Phone: (334) 714-1601
  • URL: http://www.dealmaxauto.com/
B & H Auto Sales
  • Address: 1704 Industrial Dr
  • Zip Code: 923
  • Phone: (334) 448-9300
  • URL:
C & F Used Cars
  • Address: 322 S Seale Rd
  • Zip Code: 923
  • Phone: (334) 448-5792
  • URL: