Auto Loans in Columbus (GA)

You need a car loan in Columbus, and we’re here to streamline the process. The advantages of our platform are numerous:


  • Comprehensive Network of Lenders
  • Stress-Free Application
  • Zero Fees, No Commitments
  • Zero Down Payment Required
  • Good or Bad Credit Accepted
  • Instant Approvals for Qualified Applicants
  • Personal Login for Keeping Track of Application Status

Simply apply online, and we’ll work to get you approved from a lender or dealer that suits your needs.

Columbus Bad Credit Car Dealers

Have you got a FICO score of 620 or less? Below-average credit is rarely a deal-breaker. We work with dealers and lenders that support each of the different credit tiers. These companies are willing to look at your present ability to pay, as opposed to fixating on your past issues with doing so. Generally a monthly income of $1500 is sufficient for approval, and a down payment of some kind (cash or trade) may be required. Since your interest rate will be quite high, given your credit, it is important to allocate no more than 10% of your monthly budget toward your monthly payment. This will ensure that you have sufficient room in your budget to make your payments each month. Of course, making the payments month in and month out on your bad credit auto loan is one of the best ways to improve your credit.  Ready to get started? Let us find you a dealer in Columbus that finances bad credit – online!

Apply now!

Do I Need a Down Payment?

We do have lenders in our network who offer financing with no down payment, even for people with credit problems. Having said that, a down payment gives you significant advantages:

  • Shortens loan, meaning less is paid in interest.
  • Reduces payment per month.
  • Safeguards against negative equity.

With that said, today’s lenders and dealers realize that down payments are harder to come by in this economy. We get people financed everyday, despite issues with their credit and down payment. Apply now!

Auto Loans for Military Personnel:  Fort Benning

The military lifestyle can be tough on your credit. After all, there are changes of station, deployments, and other facts of life that make it easy to miss payments or get behind on bills – both of which can put a hurting on your credit score. Fortunately, we work with dealers and lenders who appreciate the unique challenges of serving in our nation’s armed forces. Inquire with your dealer about special discounts and/or rebates for military personnel stationed at Fort Benning. You might be able to save a few hundred dollars on your vehicle just by showing your military ID.

Columbus Buy Here Pay Here Financing

This sort of financing is sometimes known as:

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

These dealers finance people who can’t get approved by a traditional lender. They finance people with issues like open bankruptcy or repossession in the last year.

Columbus Consumer Profile

Lenders are worried about more than just your FICO score. Lenders evaluate your ability to pay (income), history of employment and residence, and history of credit.

The following are average statistics for residents of Columbus.

  • Pre-Tax Income: $1,390 Monthly
  • Average Car Payment: $153 (11% of Income)
  • Ideal Car Payment: $111 to $139 (8%-10% of Income)

Have you ever wondered about the credit scores of your community as a whole? We have calculated how many Columbus consumers fall into each range of FICO scores.

FICO Score % of Population Residents
300-499 2% 3,868
500-549 5% 9,670
550-599 8% 15,471
600-649 12% 23,207
650-699 15% 29,009
700-749 18% 34,811
750-799 27% 52,216
800-850 13% 25,141

Your FICO score will have a significant effect on your APR, but as long as you have sufficient income, we can typically find a lender for you, even when you have poor credit.