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Car Loans – Scottsboro (AL)

In need of a car loan in Scottsboro, AL? Yes, numerous loan companies have stiffened up their borrowing guidelines, but there are loan companies who can assist you; we can help you track them down. The application process is pain-free, and oftentimes, you can be in the driver’s seat in less than one day.

To start, you need to apply online. We connect you, if possible, to the best Alabama car loan provider for your needs. After that, just complete your auto loan documentation and pick out your car or truck from a local car lot.

Click this link to submit your application online.

Income and Fico Scores

  • Average Scottsboro Income: $2,799 Per Month
  • Average AL Credit Score: 676

For the very best odds of acceptance, you will want:

  • Earnings Of More Than $1500 Per Month Before Taxes
  • At Least 12 Months At Current Employer
  • Monthly Debts Only 1/2 of Salary

Even in the event you don’t satisfy these criteria, you might meet the criteria as long as you:

  1. Provide a Co-signer
  2. Offer More Money Down
  3. Trade in a Vehicle
  4. Go with Tote the Note Loans.

Financing a Used Car: Scottsboro, AL

Have you figured out how much you should be spending a month for this new vehicle? In most cases, it’s best to commit only 18 to 20 percent of your regular monthly income for your monthly payments, fuel, and upkeep. If you were to earn $33,585 annually, this equates to $504 to $560 per month. With gasoline prices rising, you’ll want to choose an economical car that returns good gas mileage. In many instances, getting a used car loan in Scottsboro, AL is a good idea. Second-hand vehicles are less expensive to finance and to insure. Plus, they depreciate a lot less quickly than brand new cars and trucks.

Financing a Car with Bad Credit in Scottsboro, AL: Tips

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It is essential to plan properly for your Alabama car loan. So please do not allocate more than 15% of your income every month toward paying off your bad credit loan.

  • $420: 15% of average income in Scottsboro, Alabama
  • $140: 5% for fuel, upkeep, etc.

Also, it’s best to provide the largest down payment you can. Of course, we make it easier obtain Alabama automobile financing with no down payment, but such loans carry a more serious chance of negative equity. In this financial crisis, it’s a smart idea to decide on a more compact vehicle that offers great gas mileage.

Dealerships That Deal With Bad Credit: Scottsboro, AL

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In Scottsboro, Alabama, buy here pay here car loans are becoming a good deal more popularly accepted.

When you go to a buy here pay here car dealership, otherwise known as a no credit check or your job is your credit car lot, the dealer doesn’t turn to third party loan creditors to provide auto loans. In other words, these locations offer in house financing car loans to Alabama applicants with bad credit ratings.

If you’ve got a low credit score, getting an auto loan from an in house financing car dealership in Scottsboro, Alabama might seem like your best option. Lamentably, you need to think about a few main shortcomings. The interest rates and amount due at signing are high, and you won’t have much of a chance to rebuild your credit rating through this sort of an establishment.

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You shouldn’t buy from a bad credit car dealer you haven’t checked out. If possible, track down somebody who has dealt with them recently. Ask them whether or not they would recommend them.

K C'S Auto Sales Inc
  • Address: 2020 Veterans Dr
  • Zip Code: 35769
  • Phone: (256) 259-0794
  • URL: http://www.kcsusedcars.com
High Country Toyota
  • Address: 3011 S Broad St
  • Zip Code: 35769
  • Phone: (256) 259-1159
  • URL: http://www.highcountrytoyota.com
Harbin Lincoln Mercury Ford
  • Address: 564 Micah Way
  • Zip Code: 35769
  • Phone: (256) 574-1819
  • URL: http://www.harbinfordlm.com
Winkles Used Cars
  • Address: 3205 South Broad Street
  • Zip Code: 35769
  • Phone: (256) 259-3883
  • URL:
Guffey Johnny Motor Company
  • Address: 1601 Veterans Drive
  • Zip Code: 35769
  • Phone: (256) 574-4143
  • URL:
Q'S Auto Sales
  • Address: 104 Veterans Drive
  • Zip Code: 35768
  • Phone: (256) 259-0561
  • URL:
Word Chevy Oldsmobile
  • Address: 205 South Andrews Street
  • Zip Code: 35768
  • Phone: (256) 259-6400
  • URL: http://www.wordchevyolds.com
C & C Auto Sales
  • Address: 3211 S Broad St
  • Zip Code: 923
  • Phone: (256) 218-3922
  • URL: