Georgia Car Loans

Auto Loans: Augusta (GA)

The search for auto loan financing in Augusta, Georgia can be real pain. But here at Car Loans Georgia, we can help. Sure, lots of financial institutions have stiffened up their requirements, but there are finance companies who can work with you; it’s our mission to place your application with them. What’s even better, it is free of charge.

Acceptance Criteria

  • Average Augusta Income: $1,228 Monthly
  • Average GA Fico Score: 677

The vast majority of auto loan companies will expect you to be currently employed with $1500 income monthly, and the amount you spend on existing debts, including your auto loan, shouldn’t be more than 50% of how much you make per month. In Augusta, Georgia, this equates to $614, on average. Income or credit ratings lacking? No worries. You may still be able to meet the criteria by going above and beyond in one or more of these ways:

Auto Loan in GA
GA Auto Loans!
  1. Have a Co-buyer
  2. Offer a Larger Down Payment
  3. Provide a Vehicle in Trade
  4. Opt for In House Car Loans.

When it comes to Georgia car loans, it’s best to spend no more than 18 to 20 percent of your regular monthly wages for installment payments, fuel, and routine maintenance. For your typical Augusta resident, this equals $221-$246 a month. Used car loans are preferable; after all, new cars lose value too soon to be a smart investment.

Auto Loans with Bad Credit in Augusta, Georgia

Auto Loan in Georgia
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Buying a car with bad credit has never been so easy. Let’s look at fico scores in Georgia in general:

  • Average GA Credit Score: 677
  • Credit Score Considered “Poor”: less than 620

No one wants to get rejected. We can help.

Virtually all finance companies want to see a cash down payment (typically 10%), along with a minimum debt-to-income ratio (no more than 50% of income dedicated to debt payments each month).

Post-Bankruptcy Car Loans in Augusta, GA

Filing for bankruptcy or having one of your motor vehicles repossessed will harm your credit score significantly. Countless people who’ve endured such bad luck believe that it’s not possible to finance a car with bankruptcy or repossession. It might not be as easy as buying a car with a good credit score, per se, but we can help you find lenders that approve car financing for folks with bankruptcy in Augusta, GA. As you probably know, it normally takes up to 7 years for a case of bankruptcy to disappear from your credit history. The large majority of loan companies won’t approve an auto loan until the bankruptcy is two years old.

Bad Credit Car Lots: Augusta (GA)

Want to get a used car in Augusta, Georgia with no credit check? Buy here pay here car lots might be the only option.

These dealers go by a few different names:

  • Your Job is Your Credit Car Lots
  • We Finance Everyone Car Lots
  • In House Financing Car Lots
  • Bad Credit Car Dealerships

These auto loans are often offered without any credit check. Unfortunately, they are not without a few key downsides. We’d be remiss not to mention:

  • Expensive Rates
  • Aggressive Financing Tactics
  • Sizeable Down Payments
  • Cars With Lots of Miles
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You want to check out any GA in house financing car lot on the internet. Try to talk to a friend or relative who has obtained a car from them before. Ask them whether or not the car lot is reputable.

Used And In House Financing Dealers: Augusta (GA)

  • Gerald Jones Used Cars, 2003 Gordon Hwy, 30909
  • Ezrider Auto Sales of Augusta, 2034 Gordon Hwy, 30909
  • Auto Liquidators Inc, 1546 Gordon Hwy, 30906
  • Garner Auto Sales, 3697 Washington Rd, 30907
  • Direct Rental Car Sales, 3212 Washington Rd, 30907
  • Kerr Motors Inc, 3507 Wrightsboro Rd, 30909
  • Franklin’s Used Car, 1842 Wrightsboro Road, 30904
  • Auto Express, 203 13th Street, 30901
  • J & J Used Autos, 2048 Olive Road, 30906
  • Jones Gerald Volvo Subaru, 1801 Gordon Highway, 30904
  • Gibbs Bob Motors, 429 12th Street, 30901
  • L & B Motors, 2364 Gordon Highway, 30909
  • Gibbs Auto Wrecking CO, 329 Sand Bar Ferry Road, 30901
  • Arrington Auto Sales & Rental, 2801 Deans Bridge Road, 30906
  • Augusta Lincoln Mercury, 3410 Washington Road, 30907
  • Harley’s Truck Equipment and Auto Sales, 4564 Mike Padgett Highway, 30906
  • Auto Store Inc, 2023 Gordon Highway, 30909
  • Macks Used Cars, 2717 Mike Padgett Highway, 30906
  • Auto Land Sales, 3015 Deans Bridge Road, 30906
  • A & E Auto, 4116 Columbia Road, 30907
  • Aug.Lincolnmercurysouth, 2020 Gordon Highway, 30909
  • Catfish Used Cars & Title Pawn, 1502 Gordon Highway, 30906
  • Automobiles of Distinction Inc, 3827 Washington Road, 30907
  • Fletcher Auto Sales, 3321 Peach Orchard Road, 30906
  • CARN Auto Sales, 3326 Peach Orchard Road, 30906
  • Buy-Rite Auto Sales, 1900 Valley Road, 30906
  • Cruise’s Corner, 2532 Peach Orchard Road, 30906
  • Classic Motor Sales, 134 Davis Road, 30907
  • Gerald Jones Volkswagen Inc, 1801 Gordon Hwy, 30904
  • Big Daddy’s Used Cars, 2634 Milledgeville Road, 30904
  • J D Byrider, 1898 Gordon Highway, 30904
  • Gas of Augusta Inc, 2918 Deans Bridge Road, 30906
  • First Choice Rental Cars & Sales Inc, 3517 Old Petersburg Road, 30907
  • Jim Hudson Lexus Augusta, 3520 Washington Road, 30907
  • Johnson Motor Company, 1122 Walton Way, 30901
  • Car Connection, 3899 Washington Road, 30907
  • Bourne Toyota, 3069 Washington Rd, 30907
  • First Class Auto Sales Inc, 4166 Mike Padgett Highway, 30906
  • American Auto Remarketing Inc, 3324 Peach Orchard Road, 30906
  • J & S Auto Outlet Inc, 1805 Wylds Road, 30909
  • Center for Life Enhancement & Longevity, 112 Davis Road, 30907
  • Childs Autos Inc, 3411 Washington Road, 30907
  • Crystal Clean Auto Sales, 1639 Gordon Highway, 30906
  • Green City Auto Center, 1116 Greene Street, 30901
  • Budget Car & Truck Sales, 3869 Washington Road, 30907
  • Budget Buy Auto Sales, 2905 Mike Padgett Highway, 30906
  • LGN Trading Used Car Dealer and Salvage Broker Inc, 3706 Old Waynesboro Road, 30906
  • East Georgia Auto Sales, 489 Flowing Wells Road, 30907
  • P J’s Auto Sales Center, 2028 Lumpkin Rd, 30913
  • Rhodes Import Service, 816 Fenwick St, 29803
  • Sunbelt Nissan, 3300 Washington Rd, 30901
  • Master Pontiac Buick GMC, 3710 Washington Rd, 30901
  • L & B Motors, 2364 Gordon Hwy, 923