The hunt for auto financing can be a serious headache especially when your credit score is less than 620. But don’t get overwhelmed. We’ve taken the stress out of car loans in Columbus and across Georgia. Your privacy will be safeguarded by SSL (https) security.
Auto Loan Basics
- To start with, you want to submit your application online.
- We match you, when possible, to the best auto loan provider in Columbus, Georgia, given your location, income, and down payment.
- Complete your car loan paperwork and pick your vehicle from an area dealer.
Click this link to submit your secure application.
The city’s average income on a monthly basis is $1,390, while the average credit score is 677. The better your fico scores, the cheaper your loan rates.
The majority of car loan providers will expect you to have a steady job with $1500 income per month. Aside from that, your total monthly debt, including your car loan, must not be more than fifty percent of your earnings. In Columbus, Georgia, this is $695, on average.
Don’t meet these prerequisites? You may still be able to meet the requirements as long as you do one or more of the following:
- Provide Somebody to Co-sign
- Supply More Money Down
- Go with No Credit Check Car Loans.
Zero Down Payment Autos in Columbus, GA
We can assist you in getting zero down auto loans in Columbus, but down payments are essential. As a rule, loan creditors will be satisfied with a down payment of 15 to 20%.
Car Loans With Bad Credit in Columbus, Georgia: Tips
It is important to budget appropriately for your car loan in Columbus, GA, especially if you’ve got a bad credit score. You can’t afford to reduce your fico score further. This guideline is crucial: never set aside over 15% of your income a month toward repaying your bad credit car loan.
- $209: 15% of average income in Columbus, Georgia
- $70: 5% for gas, maintenance, etc.
What’s more, it’s best to have the largest down payment possible. New cars and trucks depreciate immediately. A down payment serves to counteract this. By the way, we urge you to finance a reasonably-priced used car or truck with solid fuel economy.
Tote The Note Dealerships in Columbus, GA
In Columbus, GA, buy here pay here loans have become increasingly common.
These dealers have many names: Tote the Note, Your Job is Your Credit, or in house financing dealerships in Columbus, GA.
These auto loans are often provided without a credit check. Lamentably, they aren’t without a few major shortcomings. The loan rates and down payments are higher than average; on top of that, you will have little chance to repair your credit rating through such an establishment.
Make sure to look into any GA in house financing dealership on the web. Try and find somebody who has bought a car from them before. Ask them if the car lot is reputable.
Dealer Financing in Columbus, GA
- Ken Thomas Acura, 839 Veterans Pkwy, 31901
- A A Victory Auto Sales, 3264 Victory Dr, 31903
- Heard Bill Chevrolet CO – Main Office, Bill Heard Parkway, 31901
- Deal Makers Used Car Sales, 1026 Fort Benning Road, 31903
- 2nd Car Sales, 1706 Floyd Road, 31907
- H & J Auto Sales, 307 Brennan Road, 31903
- Lewis Auto Sales, 3848 Hamilton Road, 31904
- Billy Cash Auto Sales, 1800 Box Road, 31907
- Jay Toyota, 1661 Whittlesey Rd, 31904
- Charles Levy’s Motor Max, 5100 Veterans Parkway, 31904
- Columbus Collision Center Inc, 1506 50th Street, 31904
- Best Buy Auto, 5731 Veterans Parkway, 31904
- Freeway Ford Inc, 2025 Box Road, 31907
- Jay Maxx Used Car Super Center, 1661 Whittlesey Road, 31904
- Gateway Lincoln-Mercury-Isuzu Inc, 1301 Manchester Expressway, 31904
- Liberty Auto Sales, 4600 Warm Springs Road, 31909
- Fairbanks Motors Inc, 3200 Victory Drive, 31903
- Ideal Motors Inc, 1249 10th Avenue, 31901
- Bobby’s Auto Sales, 4801 Hamilton Road, 31904
- Carl Gregory Dodge Chrysler Jeep, 2201 Victory Drive, 31901
- Delta Motor Company, 4420 17th Avenue, 31904
- Charles Levy Motor CO, 4524 17th Avenue, 31904
- Columbus Auto Mart Inc, 5023 15th Avenue, 31904
- Auto Advance Motors, 3529 Hamilton Road, 31904
- Cars R US, 5915 Veterans Parkway, 31909
- Gil’s Auto Sales, 5115 14th Ave, 923
- Rivertown Ford Incorporated, 1680 Whittlesey Rd, 31904
- Headquarter Nissan, 1725 Whittlesey Rd, 36877
- Carl Gregory, 3000 N Lake Pky, 31904
- Bill Heard Enterprises, Incorporated, , 31904
- Gateway Lincoln Mercury Isuzu, 1300 5th Ave, 31904