Auto Loans in Smyrna (GA)

At Georgia Auto Finance, we’ve been helping people get financed for years. Our loan-finding system takes the headache out of getting approved. When you apply online, your application will enter our placement platform. There we’ll find you a lender based on where you live, your income, your down payment, and other factors.

Financing a Car with Bad Credit

Subprime financing is one of our specialties. There’s no minimum credit score for applying, and we can help borrowers at each of the subprime credit tiers.

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

If you have bad credit, you’ll typically be approved by a bad credit car dealer or auto finance company. Both of these types of companies report your debt repayment to the credit bureaus, which is great if you want to restore your credit.

Apply now!

No Down Payment Deals?

Excellent credit? If so, you probably won’t have to offer up a down payment. But if your credit is a problem, your dealer may want you to furnish a payment in advance. The reason is simple: such loans are much more risky for the lending company. Non-payment is much more likely, and a down payment makes sure that at least a percentage of the vehicle has already been paid off. What’s promising is, as the economy improves, more and more lenders and dealers will be offering car loans with no down payment.

We get people financed everyday, even with credit and down payment issues. Apply now!

What About In-House Financing?

Buy here pay here financing is sometimes referred to as:

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

These dealers finance consumers whose credit has been rejected by traditional lenders. The rates of interest are steep, but they often offer guaranteed credit acceptance.

Credit and Income: Smyrna

Dealers and lenders are interested in a lot more than just your FICO rating. Lenders check such things as:

  • Income
  • Stability
  • Payment History

The following are average statistics for Smyrna residents.

  • Pre-Tax Income: $3,184 Per Month
  • Average Car Payment: $350 (11% of Income)
  • Recommended Car Payment: $255 to $318 (8%-10% of Income)

Ever wondered about the credit ratings of your neighbors? We have estimated how many Smyrna residents fall into each credit tier.

FICO Score % of Population Residents
300-499 2% 1,649
500-549 5% 4,122
550-599 8% 6,596
600-649 12% 9,893
650-699 15% 12,367
700-749 18% 14,840
750-799 27% 22,260
800-850 13% 10,718

Not where you would like to be when it comes to credit? Don’t worry, we can help virtually any consumer who earns $1500 or more on a monthly basis, regardless of what their credit score is.

Ready to begin? Go here to apply online.