We know that financing a car can be a headache, and we’re here to help. We have a deep network of lenders and dealers who are standing by, ready to fund your loan. Just apply online, and we’ll begin working to get you approved from a dealer or lender who suits your needs.
Credit Scores of 620 or Less
Bad credit? No problem. We help people with damaged credit find a loan – it’s what we do. We have lenders who work with subprime credit scores, and they would love to approve you for financing. You’ll typically be matched with a bad credit dealership or auto lender. Both of these types of companies report your debt repayment to the credit bureaus, which is a prerequisite for reestablishing your credit.
How Much Will I Have to Put Down?
We can help you find dealers who fund loans for people who don’t have a down payment. However, supplying a down payment gives you considerable advantages:
- Shortens loan, meaning less paid in interest.
- Lowers monthly installment.
- Protects against negative equity.
Still, you don’t need a down payment to get pre-approved. Our application placement system will find you a lender or dealer who’s willing to work with you, even if you can’t put any money down.
Rome Buy Here Pay Here Financing
In House financing is sometimes referred to as:
- We Finance
- Rent to Own
- We Tote The Note
- Your Job is Your Credit
These dealers make credit decisions on site, instead of outsourcing this to banks or lenders. Everything is paid to the dealership directly, and the vehicles they sell are typically less than $10,000.
Rome Consumer Profile
Contrary to popular belief, there’s more to auto financing than just your credit score. Lenders evaluate such things as:
- Job Stability
- History of Credit
Below are some average stats for residents of Rome.
- Average Income: $939 Monthly
- Average Car Payment: $103 (11% of Income)
- Ideal Car Payment: $75 to $94 (8%-10% of Income)
Have you ever wondered about the credit scores of your community as a whole? We’ve estimated how many Rome consumers are in each credit tier.
|FICO Score||% of Population||Residents|
Your credit score will largely determine your APR, but as long as you have the income, we can typically find someone to finance you, even when you have below-average credit.
Ready to begin? It’s easy to apply online.