Are you nervous that weak credit could keep you from getting a car? The good thing is, we cater to Rock Hill’s credit-challenged consumers everyday, helping them get approved at affordable rates. Just submit your application through us, and we connect you with a local auto finance expert who will assist you through the process, helping you line up the auto loan that works best for you. Honestly, there’s no better way to get the car you want. Get started today.

Rock Hill Consumer Profile

• Income: $17,306
• Income Per Month: $1,442
• Advisable Monthly Payment: $115 to $144
• Suggested Vehicle Price: $8,652 to $14,420

Generally, you want to spend at the most 8-10% of your monthly income paying off your vehicle. For the Rock Hill consumer earning $1,442 per month, this is a payment of only $144.

Is a Down Payment Necessary to Finance a Car in Rock Hill?

Has your credit been through the ringer? If yes, you will probably be required to offer a down payment. The majority of lenders are expecting you to have a 20% down payment. For a car priced at $14,420, this would be $2,884. Obviously, there are a number of reasons to put some cash down on your car:

• Less negative equity.
• Less interest owed.
• Less financed.

And that’s just a start. When you’re ready, apply here to check if you could qualify for no down payment financing or not.

Buy Here Pay Here – Rock Hill

In reality, it isn’t really that difficult to finance a car in Rock Hill with a low credit score–provided that go about it the right way. One solution you have is your local Rock Hill buy here pay here dealer, where even the lowest credit scores are approved. In fact, most of them won’t even consider your credit. This may sound like the right approach, but it hardly ever is. Because you’ve got the high interest rate, the high-mileage vehicles, and the higher risk of repossession.

Bad Credit Car Dealerships in Rock Hill

Luckily, there are bad credit dealerships in Rock Hill that offer more affordable interest rates, lower down payments, newer cars, and a lower risk of repossession. By repaying your loan as scheduled, you will do a lot for increasing your credit score. Many vehicles below can be financed with a bad credit score. You’ll want to find two or three that interest you and contact the dealers about their solutions for people with bad credit.