Auto Loans in Brunswick (GA)

Why waste your time driving from one lender to another, trying to secure financing? No matter credit, we can get you the loan you need in less time, with fewer hassles along the way. We have relationships with dealers and lenders in Brunswick who want to approve you for financing – right now! Here’s how the process works:

  1. Take a few minutes to fill out our credit application.
  2. Check your email for your approval status.
  3. Speak with your lender about your interest rate and conditions.
  4. Send over any remaining paperwork.
  5. Go buy your vehicle.

Sounds simple, right? It truly is!

Apply now!

FICO Scores of 620 or Lower

Our service is uniquely-suited to people with credit problems. There are three separate credit tiers considered subprime:

  • Tier 3/C: 580-660
  • Tier 4/D: 520-580
  • Tier 5/F: 250-520

No matter which tier you’re in, there are lenders that want to give you a second chance at financing. Plus, a paid-as-agreed auto loan will help boost your credit score. So let us find you a lender or dealership in Brunswick that finances bad credit – online!

Apply now!

Should I Offer a Down Payment?

No down payment? No worries. However, a down payment is a good idea for a number of reasons: it decreases your payment per month, total interest, and risk of negative equity. Here are the suggested down payments for new and used vehicles.

  • Pre-Owned Vehicle: 10%
  • New Vehicle: 20%

With that said, you no longer need a down payment to get pre-approved. Apply online, and indicate zero down payment in the appropriate section. We’ll place your application with a lender willing to finance your purchase, no down payment needed.

Brunswick Buy Here Pay Here Financing

In House financing is otherwise known as:

  • We Finance
  • Rent to Own
  • Tote The Note
  • Your Job is Your Credit

These dealers approve people for financing on the lot, rather than outsourcing this to banks or lenders. Without a doubt, the annual percentage rates are high, but there are fewer roadblocks to approval.

Brunswick Consumer Profile

Dealers and lenders are interested in more than just your credit score. Creditors evaluate such things as:

  • Income
  • Job Stability
  • Credit History

The following are average stats for Brunswick residents.

  • Pre-Tax Income: $28,412 Per Annum
  • Average Car Payment: $260 (11% of Income)
  • Ideal Car Payment: $189 to $237 (8%-10% of Income)

Next we have an overview of Brunswick’s population by credit rating. These are just estimations, but they should give you a general idea of where you stand in relation to other consumers in your community.

FICO Score % of Population Residents
300-499 2% 1,351
500-549 5% 3,378
550-599 8% 5,405
600-649 12% 8,108
650-699 15% 10,135
700-749 18% 12,162
750-799 27% 18,243
800-850 13% 8,784

If you fall into one of the lower groupings, don’t be concerned. We have lenders who serve each of these credit tiers.