Searching for a new car? Scared bad credit will stop you from getting financed? It doesn’t take excellent credit to get an auto loan, provided you have sufficient income and a down payment. We enable you to line up your loan before going to the dealership, so you can minimize any hassles on the day of purchase. You can submit the finance application in no time flat.

Columbia Car Loan Rates

The examples below show the influence that your interest rate has on your loan. These interest rates should not be interpreted as advertisements or promotions. The rate of interest you’re quoted could vary drastically.

Columbia Down Payments

Has your credit had some ups and downs? Then you’ll likely be asked to come up with a down payment. A lot of lenders want you to put 20% down on any new car. For a car costing $10,050, this would be $2,010. Of course, unless you’ve never bought a car before, you probably already have a vehicle which can be traded in, the proceeds from which can be used as your down payment. Go ahead and submit your application to find out whether a down payment will be necessary.

Buy Here Pay Here in Columbia

Less-than-perfect credit shouldn’t keep you from financing a car. Many buyers end up at buy here pay here dealers, which don’t require credit checks. That might seem great, but there’s a catch: you’ll pay an arm and a leg for your vehicle as time passes due to the exorbitant car loan rates.

Bad Credit Car Dealerships in Columbia

To avoid such disadvantages, you might want to consider finding a dealer in Columbia that provides loans for bad-credit buyers in the more traditional way: by getting you financed through an off-site lending company that offers affordable rates, down payments, and the ability to repair your credit. Such dealers want to get you behind the wheel, without engaging in predatory practices. It’s possible to finance most of the vehicles below, in spite of subprime credit. After you find one that suits you, let the dealer know your situation through the provided form, asking for further information.