Auto Loans in Decatur (GA)

Need a car loan? We can help. Every lender has their own approval standards, so it’s crucial that you find one that matches your needs. Just apply online, and we’ll work to get you approved from a lender or dealer that suits your needs.

Apply now!

Credit Scores of 620 or Less

Our application process is ideally-suited to applicants with less-than-perfect credit. We have lenders and dealers who accept FICO scores of 620 and lower, and they are ready and willing to approve you for financing. We can get you approved for financing from a bad credit car dealership in your area – today!

Apply now!

Financing a Car with No Down Payment

Excellent credit? Then you probably won’t need to offer up a down payment. If you have less-than-perfect credit, however, your dealer may want you to offer a down payment. The reason is simple: financing consumers with poor credit is a much riskier proposition, and a down payment makes certain that some percentage of the vehicle’s value has been secured. That isn’t to say that dealers don’t offer financing for people with no down payment.

Apply online, and indicate zero down payment in the appropriate section. We’ll place your application with a lender who can finance your purchase, no down payment needed.

Decatur Buy Here Pay Here Financing

Buy here pay here financing is also known as:

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

These dealers approve auto loans on site, rather than relying on banks or finance companies. Everything is paid to the dealership directly, and the cars and trucks for sale typically cost less than $10,000.

Credit and Income: Decatur

Truth be told, there is more to auto financing than just your FICO score. Creditors check the following:

  • Income
  • Job Stability
  • History of Credit

Below are some average stats for Decatur residents.

  • Average Income: $2,418 Monthly
  • Average Car Payment: $266 (11% of Income)
  • Ideal Car Payment: $193 to $242 (8%-10% of Income)

If you have less-than-perfect credit, you’re not the only one. This chart shows the estimated number of Decatur residents at each credit level.

FICO Score % of Population Residents
300-499 2% 3,523
500-549 5% 8,808
550-599 8% 14,093
600-649 12% 21,140
650-699 15% 26,424
700-749 18% 31,709
750-799 27% 47,564
800-850 13% 22,901