The Best West Virginia Car Loans – WV

West Virginia Car Loans

Looking For Car Finance in West Virginia?

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Why Choose Us For Your January 2020 Auto Loan?

West Virginia (/vərˈdʒɪniə/ (listen)) is a state located in the Appalachian region in the Southern United States and is also considered to be a part of the Middle Atlantic States. It is bordered by Pennsylvania to the north, Maryland to the east and northeast, Virginia to the southeast, Kentucky to the southwest, and Ohio to the northwest. West Virginia is the 41st largest state by area, and is ranked 38th in population. The capital and largest city is Charleston.

Geography

Located in the Appalachian Mountain range, West Virginia covers an area of 24,229.76 square miles (62,754.8 km), with 24,077.73 square miles (62,361.0 km) of land and 152.03 square miles (393.8 km) of water, making it the 41st-largest state in the United States. West Virginia borders Pennsylvania and Maryland in the northeast, Virginia in the southeast, Ohio in the northwest, and Kentucky in the southwest. Its longest border is with Virginia at 381 miles, followed by Ohio at 243 miles, Maryland at 174 miles, Pennsylvania at 118 miles, and Kentucky at 79 miles.

Demographics

The United States Census Bureau estimates that the population of West Virginia was 1,831,102 on July 1, 2016, a 1.2% decrease since the 2010 United States Census. The center of population of West Virginia is located in Braxton County, in the town of Gassaway.

At the 2010 Census, the racial composition of the state’s population was:

In the same year, 1.2% of West Virginia’s population was of Hispanic, Latino, or Spanish origin (they may be of any race).

As of 2012, West Virginia has an estimated population of 1,855,413, which is an increase of 49, or 0.0%, from the prior year and an increase of 2,414, or 0.13%, since the year 2000. This includes a natural decrease since the last census of 3,296 people (that is 108,292 births minus 111,588 deaths) and an increase from net migration of 14,209 people into the state. West Virginia is the least populous southeastern state. Immigration from outside the United States resulted in a net increase of 3,691 people, and migration within the country produced a net increase of 10,518 people.

Only 1.1% of the state’s residents were foreign-born, placing West Virginia last among the 50 states in that statistic. It also has the lowest percentage of residents that speak a language other than English in the home (2.7%).

The five largest ancestry groups in West Virginia are: German (18.9%), Irish (15.1%) American (12.9%), English (11.8%) and Italian (4.7%) In the 2000 Census People who identified their ethnicity as simply American made up 18.7% of the population.

Large numbers of people of German ancestry are present in the northeastern counties of the state. People of English ancestry are present throughout the entire state. Many West Virginians who self-identify as Irish are actually Scots-Irish Protestants.

5.6% of West Virginia’s population were reported as under 5, 22.3% under 18, and 15.3% were 65 or older. Females made up approximately 51.4% of the population.

There were 20,928 births in 2006. Of these, 19,757 (94.40% of the births, 95.19% of the population) were to non-Hispanic whites. There were 22 births to American Indians (0.11% of the births and 0.54% of the population), 177 births to Asians (0.85% of the births and 0.68% of the population), 219 births to Hispanics (1.05% of the births and 0.88% of the population) and 753 births to Blacks and others (3.60% of the births and 3.56% of the population).

The state’s Northern Panhandle, and North-Central region feel an affinity for Pittsburgh, Pennsylvania. Also, those in the Eastern Panhandle feel a connection with the Washington, D.C. suburbs in Maryland and Virginia, and southern West Virginians often consider themselves Southerners. Finally, the towns and farms along the mid-Ohio River, which forms most of the state’s western border, have an appearance and culture somewhat resembling the Midwest.

Note: Births in table do not add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.

Several surveys have been made in recent years, in 2008 by the American Religion Identity Survey, in 2010 by the Pew Forum on Religion and Public Life. The Pew survey results admit to a 6.5% margin of error plus or minus, while the ARIS survey states that “estimates are subject to larger sampling errors in states with small populations.” A characteristic of religion in Appalachian communities is the abundance of independent, non-affiliated churches, which “remain unnoted and uncounted in any census of church life in the United States.” This sometimes leads to the belief that these communities are “unchurched”.

The largest denomination as of 2010 was the United Methodist Church with 136,000 members in 1,200 congregations. The second largest Protestant church was the American Baptist Churches USA with 88,000 members and 381 congregations. The Southern Baptist church had 44,000 members and 232 congregations. The Churches of Christ had 22,000 members and 287 congregations. The Presbyterian Church (USA) had 200 congregations and 20,000 members.

A survey conducted in 2015 by the Pew Research Center found that West Virginia was the 7th most “highly religious” state in the United States.

Neighborhoods

West Virginia neighborhoods include: Adrian, Advent, Alderson, Alkol, Alma, Alum Bridge, Alum Creek, Amherstdale, Amma, Apple Grove, Arbovale, Arnett, Arnoldsburg, Asbury, Ashford, Ashton, Athens, Auburn, Augusta, Aurora, Baisden, Baker, Ballard, Barboursville, Bartow, Baxter, Beaver, Beckley, Beeson, Belington, Belle, Belleville, Belmont, Belva, Bens Run, Benwood, Berea, Berkeley Springs, Berwind, Bethany, Beverly, Bickmore, Big Bend, Big Creek, Big Run, Big Springs, Bim, Birch River, Blacksville, Bloomery, Bloomingrose, Blount, Bluefield, Bomont, Bowden, Bramwell, Branchland, Brandywine, Breeden, Brenton, Bridgeport, Bristol, Brohard, Bruceton Mills, Buckhannon, Buffalo, Bunker Hill, Burlington, Burnsville, Burton, Cabin Creek, Cairo, Caldwell, Calvin, Camden On Gauley, Cameron, Camp Creek, Canvas, Capon Bridge, Cass, Cedar Grove, Cedarville, Center Point, Chapmanville, Charleston, Charles Town, Charmco, Chester, Circleville, Clarksburg, Clay, Clendenin, Cleveland, Clothier, Coal City, Coalton, Colcord, Colliers, Copen, Cottageville, Cowen, Coxs Mills, Crab Orchard, Craigsville, Crawford, Crawley, Creston, Cross Lanes, Crum, Culloden, Cyclone, Dallas, Danese, Daniels, Danville, Davis, Davisville, Davy, Delbarton, Delray, Diana, Dille, Dingess, Dixie, Dryfork, Duck, Dunbar, Dunlow, Dunmore, Durbin, East Lynn, Edmond, Eglon, Elizabeth, Elk Garden, Elkins, Elkview, Ellamore, Ellenboro, Elton, Enterprise, Erbacon, Eskdale, Evans, Exchange, Fairmont, Fairview, Falling Rock, Falling Waters, Farmington, Fayetteville, Fenwick, Fisher, Flat Top, Flatwoods, Flemington, Follansbee, Folsom, Forest Hill, Fort Ashby, Fort Gay, Fort Spring, Foster, Frametown, Frankford, Franklin, Fraziers Bottom, French Creek, Friendly, Gallagher, Gallipolis Ferry, Gandeeville, Gap Mills, Gassaway, Gauley Bridge, Gay, Genoa, Gerrardstown, Gilbert, Given, Glady, Glen Dale, Glen Daniel, Glen Easton, Glenville, Glenwood, Gordon, Gormania, Grafton, Grantsville, Grassy Meadows, Great Cacapon, Green Bank, Green Spring, Green Sulphur Springs, Greenville, Griffithsville, Hacker Valley, Hambleton, Hamlin, Hansford, Harman, Harpers Ferry, Harrisville, Harts, Heaters, Hedgesville, Helvetia, Henderson, Hendricks, Hernshaw, Hewett, Hico, High View, Hillsboro, Hinton, Hundred, Huntington, Hurricane, Huttonsville, Iaeger, Independence, Indore, Inwood, Ireland, Jacksonburg, Jane Lew, Jeffrey, Jolo, Julian, Jumping Branch, Kanawha Falls, Kanawha Head, Kearneysville, Kegley, Kenna, Kenova, Kerens, Kermit, Keslers Cross Lanes, Keyser, Kiahsville, Kieffer, Kimberly, Kincaid, Kingwood, Lahmansville, Lansing, Lashmeet, Lavalette, Left Hand, Leivasy, Lenore, Leon, Lerona, Le Roy, Lesage, Lester, Letart, Levels, Lewisburg, Liberty, Lindside, Linn, Little Birch, Littleton, Lizemores, Logan, Lookout, Looneyville, Lost City, Lost Creek, Lumberport, Lyburn, MacFarlan, Madison, Maidsville, Mammoth, Man, Mannington, Marlinton, Martinsburg, Mason, Matewan, Mathias, Matoaka, Maxwelton, Maysel, Maysville, McMechen, Meadow Bridge, Meadow Creek, Metz, Middlebourne, Midkiff, Milam, Mill Creek, Millwood, Milton, Mineral Wells, Moatsville, Mohawk, Monongah, Montgomery, Montrose, Moorefield, Morgantown, Moundsville, Mount Alto, Mount Clare, Mount Hope, Mount Lookout, Mount Nebo, Mount Storm, Mullens, Munday, Myra, Nallen, Naoma, Napier, Nebo, Nellis, Nettie, New Creek, New Cumberland, Newell, New Martinsville, New Milton, Newton, Nimitz, Nitro, Normantown, Northfork, Oak Hill, Oceana, Odd, Old Fields, Omar, Ona, Orgas, Orlando, Paden City, Palestine, Parkersburg, Parsons, Paw Paw, Paynesville, Pecks Mill, Pence Springs, Pennsboro, Perkins, Petersburg, Peterstown, Petroleum, Peytona, Philippi, Pickens, Piedmont, Pine Grove, Pineville, Pipestem, Poca, Point Pleasant, Points, Pond Gap, Pool, Powellton, Prichard, Princeton, Procious, Proctor, Pullman, Purgitsville, Pursglove, Quinwood, Rachel, Rainelle, Ramsey, Ranger, Ranson, Ravenswood, Reader, Red Creek, Red House, Reedy, Renick, Rhodell, Richwood, Ridgeley, Rio, Ripley, Riverton, Rivesville, Robson, Rock, Rock Cave, Rockport, Romney, Ronceverte, Rosedale, Rowlesburg, Rupert, Saint Albans, Saint Marys, Salem, Salt Rock, Sand Fork, Sandstone, Sandyville, Scarbro, Scott Depot, Secondcreek, Selbyville, Seneca Rocks, Seth, Shady Spring, Shanks, Shenandoah Junction, Shepherdstown, Shinnston, Shock, Sinks Grove, Sistersville, Slanesville, Slatyfork, Smithfield, Smithville, Smoot, Sod, South Charleston, Southside, Spanishburg, Spencer, Spring Dale, Springfield, Spurlockville, Statts Mills, Sugar Grove, Sumerco, Summersville, Summit Point, Sutton, Swiss, Sylvester, Talcott, Tallmansville, Thomas, Thornton, Tornado, Triadelphia, Troy, Tunnelton, Union, Upperglade, Upper Tract, Valley Bend, Valley Grove, Valley Head, Victor, Vienna, Volga, Wadestown, Waiteville, Walker, Walkersville, Wallace, Wallback, Walton, Wana, Wardensville, Washington, Waverly, Wayne, Wayside, Webster Springs, Weirton, Welch, Wellsburg, West Columbia, West Hamlin, West Logan, West Milford, Weston, West Union, Wharncliffe, Wheeling, White Sulphur Springs, Whitesville, Whitmer, Wiley Ford, Wileyville, Williamsburg, Williamson, Williamstown, Wilsie, Wilsondale, Winfield, Wolfcreek, Worthington, Yawkey, Yolyn

For more information, see West Virginia wiki

Vehicle Loans Coverage Area For West Virginia

AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get pre-approved for financing before going to a dealership. By separating bad credit car financing options from dealer price negotiations, we empower our clients to get the best deal possible.

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Locations Served

Alderson Car Loans, Amherstdale Car Loans, Anmoore Car Loans, Arnett Car Loans, Arthurdale Car Loans, Ashton Car Loans, Augusta Car Loans, Baisden Car Loans, Baker Car Loans, Barbour County Car Loans, Barboursville Car Loans, Barrackville Car Loans, Beaver Car Loans, Beckley Car Loans, Belington Car Loans, Benwood Car Loans, Berkeley County Car Loans, Berkeley Springs Car Loans, Beverly Car Loans, Bloomingrose Car Loans, Bluefield Car Loans, Boomer Car Loans, Boone County Car Loans, Braxton County Car Loans, Bridgeport Car Loans, Brooke County Car Loans, Bruceton Mills Car Loans, Buckhannon Car Loans, Bunker Hill Car Loans, Cabell County Car Loans, Cabins Car Loans, Cairo Car Loans, Calhoun County Car Loans, Cameron Car Loans, Capon Bridge Car Loans, Carolina Car Loans, Center Point Car Loans, Chapmanville Car Loans, Charles Town Car Loans, Charleston Car Loans, Chattaroy Car Loans, Chester Car Loans, Clarksburg Car Loans, Clay County Car Loans, Clear Fork Car Loans, Clendenin Car Loans, Coal City Car Loans, Cool Ridge Car Loans, Cowen Car Loans, Craigsville Car Loans, Crawford Car Loans, Crum Car Loans, Cucumber Car Loans, Culloden Car Loans, Daniels Car Loans, Danville Car Loans, Delbarton Car Loans, Dellslow Car Loans, Doddridge County Car Loans, Dunbar Car Loans, Eastern Panhandle Car Loans, Eglon Car Loans, Elizabeth Car Loans, Elkins Car Loans, Elkview Car Loans, Eskdale Car Loans, Fairmont Car Loans, Falling Waters Car Loans, Farmington Car Loans, Fayette County Car Loans, Fayetteville Car Loans, Follansbee Car Loans, Foster Car Loans, Four States Car Loans, Franklin Car Loans, French Creek Car Loans, Friendly Car Loans, Gap Mills Car Loans, Gassaway Car Loans, Gerrardstown Car Loans, Gilbert Car Loans, Gilmer County Car Loans, Glenville Car Loans, Grafton Car Loans, Grant County Car Loans, Grant Town Car Loans, Granville Car Loans, Greenbrier County Car Loans, Hambleton Car Loans, Hampshire County Car Loans, Hancock County Car Loans, Hardy County Car Loans, Harman Car Loans, Harpers Ferry Car Loans, Harrison County Car Loans, Hedgesville Car Loans, Hepzibah Car Loans, Hillsboro Car Loans, Horner Car Loans, Hundred Car Loans, Huntington Car Loans, Hurricane Car Loans, Huttonsville Car Loans, Independence Car Loans, Institute Car Loans, Inwood Car Loans, Jackson County Car Loans, Jane Lew Car Loans, Jefferson County Car Loans, Julian Car Loans, Kanawha County Car Loans, Kearneysville Car Loans, Kenova Car Loans, Kermit Car Loans, Keyser Car Loans, Kimball Car Loans, Kincaid Car Loans, Kistler Car Loans, Leon Car Loans, Lerona Car Loans, Lesage Car Loans, Lewis County Car Loans, Lewisburg Car Loans, Lincoln County Car Loans, Lindside Car Loans, Linn Car Loans, Littleton Car Loans, Logan Car Loans, Logan County Car Loans, Lost Creek Car Loans, Lumberport Car Loans, Lyburn Car Loans, Madison Car Loans, Man Car Loans, Mannington Car Loans, Marion County Car Loans, Marlinton Car Loans, Marshall County Car Loans, Martinsburg Car Loans, Mason Car Loans, Mason County Car Loans, Masontown Car Loans, Mcdowell County Car Loans, Mcmechen Car Loans, Mercer County Car Loans, Middlebourne Car Loans, Mill Creek Car Loans, Millwood Car Loans, Milton Car Loans, Mineral County Car Loans, Mineral Wells Car Loans, Mingo County Car Loans, Moatsville Car Loans, Monongalia County Car Loans, Monroe County Car Loans, Montana Mines Car Loans, Moorefield Car Loans, Morgan County Car Loans, Morgantown Car Loans, Moundsville Car Loans, Mount Clare Car Loans, Mount Hope Car Loans, Naoma Car Loans, New Cumberland Car Loans, New Haven Car Loans, New Martinsville Car Loans, Newburg Car Loans, Nicholas County Car Loans, Nitro Car Loans, Northern Panhandle Car Loans, Oak Hill Car Loans, Oceana Car Loans, Odd Car Loans, Ohio County Car Loans, Palestine Car Loans, Panther Car Loans, Parkersburg Car Loans, Parsons Car Loans, Paw Paw Car Loans, Pendleton County Car Loans, Pentress Car Loans, Philippi Car Loans, Pineville Car Loans, Pleasants County Car Loans, Poca Car Loans, Pocahontas County Car Loans, Point Pleasant Car Loans, Porters Falls Car Loans, Preston County Car Loans, Princeton Car Loans, Prosperity Car Loans, Putnam County Car Loans, Rainelle Car Loans, Raleigh County Car Loans, Randolph County Car Loans, Ranger Car Loans, Ranson Car Loans, Ravenswood Car Loans, Raysal Car Loans, Reedsville Car Loans, Richwood Car Loans, Ridgeley Car Loans, Ridgeview Car Loans, Ripley Car Loans, Ritchie County Car Loans, Rivesville Car Loans, Roane County Car Loans, Rock Creek Car Loans, Romney Car Loans, Ronceverte Car Loans, Rupert Car Loans, Saint Albans Car Loans, Saint Marys Car Loans, Salem Car Loans, Scott Depot Car Loans, Seth Car Loans, Shanks Car Loans, Shepherdstown Car Loans, Shinnston Car Loans, Sinks Grove Car Loans, Sistersville Car Loans, Smithers Car Loans, Spencer Car Loans, Sugar Grove Car Loans, Sumerco Car Loans, Summers County Car Loans, Sutton Car Loans, Taylor County Car Loans, Terra Alta Car Loans, Thomas Car Loans, Triadelphia Car Loans, Tucker County Car Loans, Tunnelton Car Loans, Tyler County Car Loans, Union Car Loans, Upshur County Car Loans, Valley Grove Car Loans, Vienna Car Loans, Walker Car Loans, Wallace Car Loans, War Car Loans, Warrior Mine Car Loans, Washington Car Loans, Wayne Car Loans, Wayne County Car Loans, Webster County Car Loans, Weirton Car Loans, Welch Car Loans, Wellsburg Car Loans, West Hamlin Car Loans, West Liberty Car Loans, West Union Car Loans, Weston Car Loans, Wetzel County Car Loans, Wheeling Car Loans, Wilcoe Car Loans, Williamsburg Car Loans, Williamson Car Loans, Williamstown Car Loans, Windsor Heights Car Loans, Winfield Car Loans, Wirt County Car Loans, Wood County Car Loans, Worthington Car Loans, Wyoming County Car Loans, Yawkey Car Loans

Vehicle Loan Steps

Auto Loan in West Virginia

1 - Budget For Your Purchase

The first step in obtaining auto financing 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.

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 need an auto loan with no down payment, don't worry. We can still help you.

Finally, use our auto finance 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 dealership. In order to get the best deal on new car financing, 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 financing a used car. 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 seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan to buy from a private seller.

3 - Apply For Your Auto Loan

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


What You Should Know About Credit in West Virginia

No matter what your credit situation is, AllCreditCarLoans will help you to find an easy car loan that is suited to your needs and budget.

Save $50 off Credit Repair Service - Applies to first-work fee for each spouse sign-up.

We specialize in:

  • Good Credit Car Loans
  • Fair Credit Car Loans
  • Bad Credit Auto Financing
  • Poor Credit Car Finance
  • Horrible Credit Car Financing
  • and Car Loans With No Credit History

We've provided car loans for first-time buyers, car financing for college students and we are proud to have arranged military auto financing 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 obtain an auto loan with their ITIN number.

We also specialize in sub-prime auto financing including financing a car after bankruptcy and helping borrowers to obtain a car loan after repossession.

If you are looking for a car title loan or the best place to refinance your car, we have programs that can help you as well.

AllCreditCarLoans works with the best buy here pay here dealerships, bad credit auto dealers, second chance auto dealers and other car loan lenders to provide the best auto 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 No Credit?

The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in West Virginia. Large commercial banks don't want anything to do with personal loans, especially financing new cars. Car Loans No Credit HistoryIn most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.

What a Buyer Might Face With No Credit Car Loans

If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.

Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?

Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.


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 West Virginia.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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