Is below-average credit the main barrier to purchasing the car you want? Less-than-perfect credit shouldn’t keep you from buying a car, and we strive to make sure it can’t. We have the expertise and relationships to get you approved, despite bad credit. You can fill out your finance application in under 5 minutes.

Fort Mill Financial Data

• Income: $29,097
• Income Per Month: $2,425
• Preferred Monthly Payment: $194 to $243
• Advisable Amount to Borrow: $14,550 to $24,250

As a rule, you should spend only 8-10% of your monthly income paying off your vehicle, and 20% total including maintenance and gas. For the Fort Mill consumer who earns $2,425 on a monthly basis, this is a payment of no more than $243.

Zero Down Payment – in Fort Mill?

Is it possible to finance a car if you don’t have a down payment in Fort Mill? For those who have bad credit, it’s not likely. For those who have a bad credit score, a 20% down payment is often a requirement. This would be $4,850 for a car or truck that costs $24,250. Of course, you won’t have to pay interest on a down payment, which will reduce your outlay down the road. Go on and apply here to learn whether a down payment will be needed, and if yes, just how much.

Buy Here Pay Here in Fort Mill

For anyone dealing with bad credit, buy here pay here dealerships might appear to be the answer. These types of car dealerships are sometimes known as no credit check, tote the note, or your job is your credit dealerships.

Should you wish to rebuild your credit, however, a BHPH dealer isn’t the way to go. These dealerships don’t collaborate with the credit bureaus, so your repayment won’t result in an improved FICO score.

Bad Credit Car Dealerships in Fort Mill

On the other hand, there are Fort Mill car dealerships that can get bad credit customers approved, not to mention providing more affordable rates, reduced down payments, and more relaxed payment terms. The loan providers through which such dealerships arrange financing are much more closely regulated by federal and state authorities than BHPH dealers, meaning less chance of being swindled. Here you’ll see vehicles currently available from a wide range of Fort Mill dealerships, many of whom are able to arrange car loans for their clients, even if they have bad credit. Ask them for additional information, through the provided form.