Auto Loans in Norcross (GA)

Forget driving from one lender to the next, applying for financing. We can get you financed in less time, with fewer hassles. We have relationships with lenders and dealers in Norcross and across Georgia who want to approve your credit – this week! Simply submit your application, and we’ll work to get you approved from a lender or dealer that suits your needs.

Apply now!

Norcross Bad Credit Car Dealers

Do you have a FICO score of 620 or lower? Less-than-perfect credit is not an issue. There’s no minimum FICO score for applying, and we can help applicants at each of the subprime credit tiers.

Credit Tier FICO Range
3/C 581-659
4/D 520-580
5/F 250-519

Let us find you a lender or dealership in Norcross that finances bad credit – online!

Apply now!

Down Payment: Do I Need One?

Don’t have a down payment? Often, this won’t prevent you from getting approved. However, a down payment is a good idea because it lowers your payment amount, interest paid, and risk of negative equity. The ideal down payment would be 20% for a new vehicle, and 10% for a used one.

Even so, this era’s lenders and dealers realize that down payments are especially difficult these days. We get people financed all the time, despite issues with their credit and down payment. Apply now!

How About Buy Here Pay Here Financing?

In House financing is sometimes known as:

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

These dealers make credit decisions on the lot, rather than outsourcing this to banks or finance companies. The loan rates are expensive, but approval is often guaranteed.

Credit and Income: Norcross

Dealers and lenders are interested in a lot more than just your credit rating. Creditors look at such things as:

  • Income
  • Source of Income
  • History of Credit

Listed below are average stats for Norcross residents.

  • Pre-Tax Income: $2,103 Per Month
  • Average Car Payment: $231 (11% of Income)
  • Recommended Car Payment: $168 to $210 (8%-10% of Income)

Have you ever wondered about the credit scores of your community as a whole? We’ve estimated how many Norcross consumers fall into each range of FICO scores.

FICO Score % of Population Residents
300-499 2% 2,141
500-549 5% 5,352
550-599 8% 8,563
600-649 12% 12,844
650-699 15% 16,055
700-749 18% 19,266
750-799 27% 28,899
800-850 13% 13,914

No matter where you find yourself on this table, we’re here to help. We work with credit-seekers of all credit scores and income brackets. That’s our mission.