Auto Loans in Centerville (GA)

At Georgia Auto Finance, we’re revolutionizing the approval process. Our extensive network of Georgia dealers and lenders is standing by, awaiting your application. Apply online, and our network of dealers and lenders compete for your business.

Apply now!

Financing a Car with Bad Credit

Less-than-perfect credit can be a real setback when it comes to financing, but not when you apply through us. Many major lenders and dealers now have complete sales teams committed to “special financing.” These are commonly called bad credit dealerships, and we have a wide range of them in our network. Let us find you a dealership in Centerville that funds loans for people with bad credit.

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Down Payment: Do You Need One?

We can help you find dealers who finance people who don’t have a down payment. However, providing a down payment is recommended for a number of reasons: it minimizes your payment, interest, and risk of being upside down. Here are the ideal down payments for new and pre-owned vehicles.

  • Used Vehicle: 10%
  • New Vehicle: 20%

Nevertheless, you no longer need a down payment to get pre-approved. We get people into a new car each and every day, despite issues with their credit and down payment. Apply now!

What About In-House Financing?

This type of financing is also referred to as:

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

These dealers approve car loans directly, instead of relying on banks or finance companies. Payments are made to the dealer directly, and the cars and trucks for sale are typically priced at $10,000 or less.

Credit and Income: Centerville

There is more to the approval process than just your credit score. Lenders consider the following:

  • Income
  • Job Stability
  • History of Credit

The following are average statistics for residents of Centerville.

  • Pre-Tax Income: $3,621 Per Month
  • Average Car Payment: $398 (11% of Income)
  • Ideal Car Payment: $290 to $362 (8%-10% of Income)

If you have a bad credit score, you aren’t the only one. This table depicts how many people in Centerville are in each credit tier.

FICO Score % of Population Residents
300-499 2% 1,391
500-549 5% 3,477
550-599 8% 5,563
600-649 12% 8,345
650-699 15% 10,431
700-749 18% 12,517
750-799 27% 18,775
800-850 13% 9,040

Ready to begin? Click here to submit your application.