Don’t go driving from bank to bank, applying for financing. We can get you approved in less time, with fewer hassles. We’ve been in the automotive industry for years, developing an extensive network of dealers and lenders, many of whom offer online approvals. The actual application is easy to understand, and we’ve designed it to require fewer details than you might expect.
What About Bad Credit?
Subprime credit can be a hurdle when trying to finance a new vehicle, but not when you apply through us. There is no minimum FICO score for applying, and we can help borrowers in each of the lower credit tiers.
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Let us find you a dealership in Conyers that funds loans for people with bad credit – online!
Do I Have to Offer a Down Payment?
Don’t have a down payment? In many cases, this isn’t a problem. That said, providing a down payment gives you substantial benefits:
- Reduces the length of the loan, meaning less paid in interest.
- Lowers monthly repayment.
- Decreases negative equity.
With that being said, we understand that down payments are harder to come by in this economy. Apply online, and indicate zero down payment in the appropriate section. We’ll place your application with a lender willing to approve you for financing, no down payment required.
What About In-House Financing?
This sort of financing is commonly known as:
- We Finance
- Rent to Own
- Tote The Note
- Your Job is Your Credit
These dealers make credit decisions on site, instead of outsourcing this to banks or finance companies. The interest rates are typically expensive, but they often offer guaranteed approval.
Conyers Consumer Profile
Your FICO score is only part of the equation. Lenders consider your income, stability, and history of repayment.
The following are average stats for residents of Conyers.
- Average Income: $4,410 Per Month
- Average Car Payment: $485 (11% of Income)
- Ideal Car Payment: $353 to $441 (8%-10% of Income)
Next we have a breakdown of Conyers’s population by FICO score. These estimations should give you an idea of where you stand in relation to other consumers in your community.
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