The Best Oklahoma City Oklahoma Car Loans

Oklahoma City Oklahoma Car Loans

Looking For Auto Finance in Oklahoma City Oklahoma?

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Why Choose Us For Your November 2019 Auto Loan?

Oklahoma City (/oʊkləˌhoʊmə -/), often shortened to OKC, is the capital and largest city of the U.S. state of Oklahoma. The county seat of Oklahoma County, the city ranks 27th among United States cities in population. The population grew following the 2010 Census, with the population estimated to have increased to 643,648 as of July 2017. As of 2015, the Oklahoma City metropolitan area had a population of 1,358,452, and the Oklahoma City-Shawnee Combined Statistical Area had a population of 1,459,758 residents, making it Oklahoma’s largest metropolitan area.

Geography

Oklahoma City lies along one of the primary corridors into Texas and Mexico, and is a three-hour drive from the Dallas-Fort Worth metroplex. The city is in the Frontier Country region in the center of the state, making it an ideal location for state government.

According to the United States Census Bureau, the city has a total area of 620.34 square miles (1,606.7 km), of which 601.11 square miles (1,556.9 km) is land and 19.23 square miles (49.8 km) is water.

Oklahoma City lies in the Sandstone Hills region of Oklahoma, known for hills of 250 to 400 feet (120 m) and two species of oak: blackjack oak (Quercus marilandica) and post oak (Q. stellata). The northeastern part of the city and its eastern suburbs fall into an ecological region known as the Cross Timbers.

The city is roughly bisected by the North Canadian River (recently renamed the Oklahoma River inside city limits). The North Canadian once had sufficient flow to flood every year, wreaking destruction on surrounding areas, including the central business district and the original Oklahoma City Zoo. In the 1940s, a dam was built on the river to manage the flood control and reduced its level. In the 1990s, as part of the citywide revitalization project known as MAPS, the city built a series of low-water dams, returning water to the portion of the river flowing near downtown. The city has three large lakes: Lake Hefner and Lake Overholser, in the northwestern quarter of the city; and the largest, Lake Stanley Draper, in the city’s sparsely populated far southeast portion.

The population density normally reported for Oklahoma City using the area of its city limits can be misleading. Its urbanized zone covers roughly 244 sq mi (630 km) resulting in a density of 2,500 per square mile (2013 est), compared with larger rural watershed areas incorporated by the city, which cover the remaining 377 sq mi (980 km) of the city limits.

Oklahoma City is one of the largest cities in the nation in compliance with the Clean Air Act.

Demographics

According to the 2010 census, the racial composition of Oklahoma City was as follows:

As of the 2010 census, there were 579,999 people, 230,233 households, and 144,120 families residing in the city. The population density was 956.4 inhabitants per square mile (321.9/km²). There were 256,930 housing units at an average density of 375.9 per square mile (145.1/km²).

Of Oklahoma City’s 579,999 people, 44,541 reside in Canadian County, 63,723 reside in Cleveland County, 471,671 reside in Oklahoma County, and 64 reside in Pottawatomie County.

There were 230,233 households, 29.4% of which had children under the age of 18 living with them, 43.4% were married couples living together, 13.9% had a female householder with no husband present, and 37.4% were non-families. One person households account for 30.5% of all households and 8.7% of all households had someone living alone who is 65 years of age or older. The average household size was 2.47 and the average family size was 3.11.

The median income for a household in the city was $48,557 and the median income for a family was $62,527. The per capita income for the city was $26,208. 17.1% of the population and 12.4% of families were below the poverty line. Out of the total population, 23.0% of those under the age of 18 and 9.2% of those 65 and older were living below the poverty line.

In the 2000 Census, Oklahoma City’s age composition was 25.5% under the age of 18, 10.7% from 18 to 24, 30.8% from 25 to 44, 21.5% from 45 to 64, and 11.5% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 95.6 males. For every 100 females age 18 and over, there were 92.7 males.

Oklahoma City has experienced significant population increases since the late 1990s. Since the official Census in 2000, Oklahoma City has grown 25 percent (a 125,214 raw increase) according to the Bureau estimates. The 2016 estimate of 638,367 is the largest population Oklahoma City has ever recorded. It is the first city in the state to record a population greater than 600,000 residents. It is also the first city in the Great Plains region to record a population greater than 600,000 residents. It is the largest municipal population of the Great Plains region (Oklahoma, Kansas, Nebraska, South Dakota, North Dakota).

Oklahoma City is the principal city of the eight-county Oklahoma City Metropolitan Statistical Area in Central Oklahoma and is the state’s largest urbanized area. As of 2015, the metropolitan area was the 41st largest in the nation based on population.

Law enforcement claims Oklahoma City has traditionally been the territory of the notorious Juárez Cartel, but the Sinaloa Cartel has been reported as trying to establish a foothold in Oklahoma City. There are many rival gangs in Oklahoma City, one whose headquarters has been established in the city, the Southside Locos, traditionally known as Sureños.

Oklahoma City also has its share of violent crimes, particularly in the 1970s. The worst of which occurred in 1978, when six employees of a Sirloin Stockade restaurant on the city’s south side were murdered execution-style in the restaurant’s freezer. An intensive investigation followed, and the three individuals involved, who also killed three others in Purcell, Oklahoma, were identified. One, Harold Stafford, died in a motorcycle accident in Tulsa not long after the restaurant murders. Another, Verna Stafford, was sentenced to life without parole after being granted a new trial after she had been sentenced to death. Roger Dale Stafford, considered the mastermind of the murder spree, was executed by lethal injection at the Oklahoma State Penitentiary in 1995.

The Oklahoma City Police Department has a uniformed force of 1,169 officers and 300+ civilian employees. The department has a central police station and five substations covering 2,500 police reporting districts that average 1/4 square mile in size.

On April 19, 1995, the Alfred P. Murrah Federal Building was destroyed by a fertilizer bomb manufactured and detonated by Timothy McVeigh. The blast and catastrophic collapse killed 168 people and injured over 680. The blast shock-wave destroyed or damaged 324 buildings within a 340-meter radius, destroyed or burned 86 cars, and shattered glass in 258 nearby buildings, causing at least an estimated $652 million worth of damage. McVeigh was convicted and subsequently executed by lethal injection on June 11, 2001.

Zip Code Map

Zip codes

Neighborhoods

Oklahoma City Oklahoma neighborhoods include: 104th St, 119th/Henney, 25th and Penn, 2 Forty Place, 50th/Pennsylvania Ave, 59th Diagonal, 63rd/May, 93rd St, Adventure District, Airline, Airpark, Akers Park, Apple Valley, Arbor Lake, Arts District, Aspen Hills, Aurora, Avana, Baldwin Estates, Bartlett, Belle Isle View, Belle Isle West, Bellflower, Benttree, Bent Wood Creek, Berryman Rd, Blackwelder Ave, Blackwood Farms, Blueridge, Blue Stem, Bluff Creek, Boeking Acres, Braden Park, Brandywine #3, Breakers West Section 2, Briarcreek, Briar Glen, Briarlake Ct, Briarwood Creek, Briarwood Estates, Brighton Pointe, Brink, Broadway Park, Brookhaven West, Brookwood, Bryant Place, Burke Northridge Manor, Bush Hills, Business District, Calistoga Crossing, Cambridge, Camden Place, Camelot Bel-Aire, Camelot Estates, Canyon Lakes, Canyon North, Capitol View, Casa Bella, Cascata Lakes, Cedar Creek, Cedar Ridge Traditions, Central Capitol Hill, Central Park, Chadbrooke North, Chandelaque, Chapel Creek, Chevy Chase Lake Hefner, Chisholm Creek, Classen-Ten-Penn, Clearwater, Cleveland UCD, Cloverleaf, Club One Apts, Cobblestone Curve, Cobblestone Manor, Cobblestone Park III, Cobblestone Pkwy, College Park, Coltrane/NE 63rd St, Community 2000, Coolidge, Copperfield, Copper Trails Ln, Corbin Hills, Corbin Park, Council Hill, Council Oaks, Council Rd, Country Hollow, Country Place, Crestline Park/Southbrook, Crestwood, Crown Hts. – Edgemere Hts., Crystal Hill Estates, Culbertson’s E. Highland, Deep Deuce, Deer Field, Del Creek, Denniston Park, Douglas Edgemere, Draper Park, Drexel Ave, Dripping Springs Estates, Eagle Hill, Eagle Lake, Eagle Ridge North, Eagles South, East Lake, Eastlake Patio, Eastwood, Edgemeere, Edgemere Park, Edgewater-Lakepointe Estates, Edgewater Park, Eland St, Embassy West, Epworth View, Ethan, Falling Springs, Featherstone, Fieldstone, Forest Creek, Forest Highland, Forest Park, Forests Park, Fountain Grass, Fox Hollow/The Oaks, Foxmor Estates, Fox Run, Frolich Meadows Estates, Gaillardia, Garden, Gatewood, Glenbrook, Glenhurst, Graham Ave North, Gramercy Park, Granada, Grand Pointe, Greenbriar, Greenvale, Green Valley Estates, Harvest Hills, Hawthorn, Helm Farm, Heritage Hills East, Heritage Oaks, Heritage Park, Heronville, Hickory Creek, Hidden Treasure, Highlander South, Highland Hills, Highland Park SE, Highlands North, Hillcrest, Hilldale, Historic Brookhaven, Hiwassee, Homestead Rd, Hunters Place, I-40 I-240 Triangle, Industrial, Isola Bella, Jackson, Jefferson Park, John F Kennedy – JFK, Kennington, Kimberly Place, Kingsbrook, Kingscreek/Autumn Leaves, Kingsridge, Kingswood, Lafayette Dr, Lakeaire, LakeForest, Lakehurst, Lake Ridge, Lakeridge Run, Lakeshore Estates I, Lakeside, Lakeview, Lansbrook, Las Rosas, Las Vegas, Leatherwood Circle, Liberty Creek, Liberty Pointe, Liberty Trails, Life Style, Linwood Place, Lumberman, Lyons Park, Mansions South, Martin Luther King, Mayfair West, Mayfield, May-Penn, Mayridge, Mayview, McKinley, Meadowbrook Acres, Meadowcliff, Meadowlake Farms, Meadowridge Estates, Meadow Wood, Medical Community, Memorial Park, Memory Ln, Meridian Hills-Manor, Mesta Park, Metro Park, Midtown, Midwest Blvd, Milam Place, Miller, Morgan Creek, Morgan Run, Musgrave, Nantucket, N Broadway/Oklahoma Ave, NE Renaissance, Next to Newey Ranch, Nichols Hills, Nickels, Nightshade, North Creston Hills, Northeast OKC, Northhaven, North Highland, North of Chesapeake, North of NE 36th, North Ridge, N Rockwell Ave, NW 15th Street, NW 23rd and Rockwell, NW 79th St, Oakbridge Trails, Oakcliff, Oakdale, Oakmont, Oak Ridge – Moore, Oaks III, Olde Rockwell Estates, Ole Windmill Estates, Oliver Park South, Orchard, Oreoking, Original Mile, Original Military Park, Overholser, Park Estates North, Parkview, Parkway, Parmelee, Paseo, Peaceful Acres, Penn Park, Penn South, Pennsylvania Place, Penshurst, Pepperwell Oaks, Persimmon Hill, Pleasant Grove, Porches at Ponderosa, Portland, Prairie Queen, Prairie Ridge, Preserve at Parkside, Preston, Quail Creek, Quail Lakes, Quail Springs Mall, Raindance, Rambling Acres, Ranchwood Manor, Ravenswood Manor, Red Bud, Reed Park, Remington, Reserve at Walnut Ridge, Ridgecrest, Rio De Bella, Rio Toscano, Rivendell, Riverbend Estates, Riverside, Roadrunner, Roberts-Crest, Rock Knoll, Rockport, Rockwell/NW Expressway, Rockwood, Rollingwood, Rose Hill, Roxboro, Royal Oaks, S Anderson Rd, SE 159th Street, SE 89th, Sellers Park, Sequoyah, Shadow Lake, Shady Nook, Shallow Brook, Shepherd Historic District, Shidler-Wheeler, Shields-Davis, Shields Robinson South, Silver Lake, Silver Leaf West, Ski Island, Skyline, Sky Ranch, S MacArthur Blvd, S Meridian, Southern Hills 517, Southern Oaks, Southern Preserve, South Harbour, South Lindsey, South metro, Southridge, South Santa Fe, South Walker, Southwest 104th, Southwest 149th, South West 60th, Southwestern, South Youngs Blvd, Spencer, Springbrook, Springfield, Springs at May Lakes, Sterling Canyon, St. James Pointe, Stockyards City, Stonegate, Stone Manor Lakes, Stonemeadows, Stone Meadows South, Stonemill, Stratford, Suggs Park, Summerfield, Summer Meadows, Summit Place, Summit Pointe, Sunnybrook, Sunnylane, Sunny Pointe, Sun Valley Acres, Sutton Place, SW15&Morgan, SW 15th St, SW 29th / Council, SW Oklahoma City, Sycamore Farms, Talavera, Taylor Park, Tealwood, Tech West, Terrace, The Eagles, The Falls, The Fountains, The Greens, The Legacy, The Links, The Meadows, The Ponderosa, The Shores, Thompson Woodland, Three Oaks, Timber/Poplar, Tinker AFB, Top of the Town, Treadwell Grandview, Treadwell Hills, Turtle Lake 149 & Sooner, Turtlewood, Tuscany Ranch, Twin Lakes, Valley Brook, Val Verde, Venice, Via Esperanza, Villa, Vinehaven, Vintage Farms, Vizcaya, Wagon Wheel Rd, Walden Creek, Walnut Creek, Warr Acres, Warwick Estates, Warwick Place, Warwick V, Warwick West, Wateredge, Waterford, Wellington Lakes, West 10th, Westbrooke Estates, Westbury, Westcliffe, WesTen District, Western Ave-Garnett Dr, Western Hills, West Gate, Westlake, Westmoor, West Watch, West Winds, Westwood Estates, Westwood Exchange South, Wheatland, Whitehall, Wildewood, Wildflower, Wileman 3, Wileman’s 5th, Wileman’s 8th, Wilemans Belle Isle, Williamson Farms, Willow Bend, Willow Creek, Willow Oaks Estates, Will Rogers Park, Windmill Farms, Windsong, Windsor Forest, Windsor Hills, Windsor Oaks, Windwood, Wine Ridge, Wingspread, W Memorial/NW 122nd, Woodland Park, Wood Scape, Woodside, Woodview, Youngs-Englewood, Zachary Taylor

Military Bases

Military bases near Oklahoma City include: Oklahoma City, OK (Tinker AFB, USCG Container Inspection Training, and Coast Guard Institute)

For more information, see Oklahoma City Oklahoma wiki

Auto Loans For Bad Credit Coverage Area For Oklahoma City Oklahoma

AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.

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Locations Served

Ada, Adair County, Alex, Alfalfa County, Altus, Alva, Anadarko, Antlers, Apache, Ardmore, Arkoma, Atoka, Atoka County, Bartlesville, Beaver County, Beckham County, Bethany, Big Cabin, Bixby, Blackwell, Blaine County, Blanchard, Bokoshe, Bristow, Britton, Broken Arrow, Broken Bow, Bryan County, Burbank, Burns Flat, Caddo, Caddo County, Calera, Canadian County, Canute, Carney, Carter County, Cartwright, Cashion, Catoosa, Chandler, Checotah, Chelsea, Cherokee, Cherokee County, Chester, Cheyenne, Chickasha, Choctaw, Choctaw County, Cimarron County, Claremore, Cleveland, Cleveland County, Coal County, Coalgate, Colbert, Colcord, Coleman, Collinsville, Comanche, Comanche County, Cordell, Cotton County, Council Hill, Coweta, Coyle, Craig County, Creek County, Crescent, Cushing, Custer County, Davis, Del City, Delaware, Delaware County, Dewey County, Drumright, Duncan, Durant, Edmond, El Reno, Elgin, Elk City, Ellis County, Elmore City, Enid, Eufaula, Fairview, Flynn, Fort Gibson, Fort Sill, Frederick, Gans, Garfield County, Garvin County, Geary, Grady County, Grant County, Greer County, Grove, Guthrie, Guymon, Haileyville, Harmon County, Harper County, Harrah, Hartshorne, Haskell County, Haworth, Heavener, Helena, Hennessey, Henryetta, Hinton, Hobart, Holdenville, Hollis, Hominy, Hughes County, Hugo, Hulbert, Idabel, Inola, Jackson County, Jay, Jefferson County, Jenks, Johnston County, Jones, Kansas, Kay County, Keota, Keys, Kingfisher, Kingfisher County, Kingston, Kiowa County, Lahoma, Lake Aluma, Langston, Latimer County, Lawton, Le Flore, Le Flore County, Lehigh, Lexington, Lillard Park, Lincoln County, Lindsay, Locust Grove, Logan County, Love County, Luther, Madill, Major County, Mannford, Marietta, Marietta City, Marland, Marlow, Marshall County, Maud, Mayes County, Mcalester, Mcclain County, Mccurtain County, Mcintosh County, Mcloud, Miami, Midway Village, Midwest City, Moore, Mooreland, Morrison, Mounds, Moyers, Murray County, Muskogee, Muskogee County, Mustang, Mutual, Newalla, Newcastle, Newkirk, Nichols Hills, Nicoma Park, Noble, Noble County, Norman, Nowata, Nowata County, Okeene, Okfuskee County, Oklahoma City, Oklahoma County, Okmulgee, Okmulgee County, Oologah, Osage County, Ottawa County, Owasso, Panama, Pauls Valley, Pawhuska, Pawnee, Pawnee County, Payne County, Peggs, Piedmont, Pittsburg County, Ponca City, Pontotoc County, Poteau, Pottawatomie County, Prague, Proctor, Pryor, Pryor Creek, Purcell, Pushmataha County, Quinton, Ramona, Red Oak, Red Rock, Roger Mills County, Rogers County, Rose, Rush Springs, Sallisaw, Sand Springs, Sapulpa, Sayre, Schulter, Seminole, Seminole County, Sequoyah County, Shady Point, Shattuck, Shawnee, Skiatook, Smithville, Soper, Spencer, Spiro, Stephens County, Stillwater, Stonewall, Stroud, Sulphur, Tahlequah, Talihina, Tecumseh, Temple, Terlton, Texas County, Texhoma, The Village, Tillman County, Tulsa, Tulsa County, Turpin, Tuttle, Valliant, Vian, Vinita, Wagoner, Wagoner County, Wann, Warr Acres, Washington County, Washita County, Watonga, Watts, Weatherford, Weleetka, Wewoka, Wheatland, Wilburton, Wilson, Woodlawn Park, Woods County, Woodward, Woodward County, Wyandotte, Wynnewood, Yukon

Steps to Apply For An Auto Loan

1 - Budget For Your Purchase

The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.

Easy Credit Auto in Oklahoma City Oklahoma

Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for no down payment auto loans, don't worry. We can still help you.

Finally, use our car loan calculator to estimate your monthly payment.

2 - Choose Whether You Want a New or Used Car

If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get a pre-approved car loan so that you can negotiate like a cash buyer.

If you are looking to get the most value for your dollar, you will likely be better off looking for affordable used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private party, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private sale.

3 - Apply For Your Car Loan

Click the button below and fill out our quick and easy application form to get started right away!

What You Should Know About The Best Auto Financing in Oklahoma City Oklahoma

No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.

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We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.

We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.

If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.

AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan rates.

You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!


Buying A Car With Bad Credit?

Are you in need of a new car, but are afraid it's impossible because of your bad credit? Well, the fact is that today, consumers with bad credit have a wide variety of options available to them in regards to bad credit auto loans, especially in Oklahoma City Oklahoma. Bad Credit Auto Loan in Oklahoma City OklahomaIn fact, it can be very easy to get the money you need, but it is important for you to do your research before getting a loan.

If you have bad credit, the first thing that I would recommend is to find out more about your own financial situation. What is your exact credit score (FICO) with the three credit agencies (Experian, TransUnion, and Equifax)? You can find this information by visiting a free credit report service website where you can place an order for a free yearly credit report. The credit report has everything but the credit score. You have to pay extra to get the scores, but it is worth it. It is valuable information to have on hand in your search for the best auto loan deal. With this information, you can do quite a few things to help yourself.

The first thing you need to do when you examine your credit report is to look for errors. Correcting errors can help bring up your credit score some. Another way to increase credit score is to have a friend, or relative, with good credit add you as an authorized user to their credit cards. This connects their good credit history to yours. If you simply don't know what to do, there are credit repair companies that can help clean up your credit report. I have used a credit repair company in the past and was very pleased with the results.

When it is all said and done, a person with poor credit does have many options available. It is just a matter of doing the research and keeping an eye out for the best deal available. Your dream car is within reach, and having bad credit shouldn't hold you back.


Car Finance Explained

Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in Oklahoma City Oklahoma.Car Finance Approval What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.

Can't Wait Months To Increase Your Credit Score?

I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.

What's A Good Score For An Auto Loan?

Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!

Where Do I Get My Credit Score?

There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.

You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.

Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.

What If I Can't Qualify For A Bank Car Loan?

If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.

What If The Payments Aren't Affordable?

Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.

Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.



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