Auto Loans in Warner Robins (GA)

Live in Warner Robins? Need an auto loan? We can help. Our application placement platform takes the headache out of getting approved. Just apply online, and we’ll start working to get you approved from a dealer or lender that suits your needs. We have an extensive network of dealers and lenders in Warner Robins, as well as Houston and Peach Counties. You too can be one of the many Georgia residents we’ve helped into the driver’s seat. We do not charge an application fee, and there are no commitments.

Serving Those Who Serve:  Warner Robins AFB

Here at Georgia Auto Finance, we’re proud to serve military personnel and civilian contractors stationed at Warner Robins Air Force Base, and many dealers in our network offer special perks for active-duty and retired Air Force and military personnel. When you speak with your finance specialist, be sure to mention your military service – it could save you hundreds over the life of your loan. Most offers apply to both enlisted and officers equally.

All Credit Scores Welcome

We pride ourselves on assisting customers in every credit tier. Subprime credit is not an issue. We have lenders who accept bad credit, and they would love to approve you for financing. You can expect rates, at minimum, of 9-11% APR, though these will vary based on a multitude of factors:  your exact credit score, credit utilization, debt-to-income ratio, lender, and other factors. If you have a credit score of 700 or higher, you probably won’t need to provide a down payment. However, it’s a bit more difficult for applicants with below-average credit. That’s because lenders are worried about the Loan-to-Value Ratio (LTV). This is the amount borrowed versus the wholesale value of the vehicle.

Loan Amount Vehicle Value Loan-to-Value
$7500 $10,000 75%
$10,000 $15,000 67%
$12,000 $15,000 80%
$15,000 $20,000 75%
$17,500 $22,000 79%

Bad credit dealerships in Warner Robins often aim for an LTV of around 70%. That being said, we have dealers who offer financing with no money down. Let us find you the bad credit auto loan in Warner Robins you need – today!  Apply now!

Warner Robins Buy Here Pay Here Dealers

Buy here pay here financing is otherwise known as:

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

These dealers work with people that can’t get approved by a traditional lender due to problematic credit. Unfortunately, the interest rates are very high, and they are notorious for preying upon people with bad credit, including military personnel. Typically, you’d be happier applying for a car loan through a more traditional bad credit car dealership in Warner Robins that provides financing through an offsite lender, and is therefore subject to greater state and federal regulation. The lenders in our network do report your payments to the credit bureaus, giving you every opportunity to re-establish your credit – a benefit that BHPH lots don’t offer.

Warner Robins-Specific Credit, Income Numbers

Your FICO score is just part of the equation. Lenders look at such things as:

  • Income
  • Stability
  • History of Credit

Listed below are average stats for residents of Warner Robins.

  • Pre-Tax Income: $24,367 Annually
  • Average Car Payment: $223 (11% of Income)
  • Suggested Car Payment: $162 to $203 (8%-10% of Income)

Poor credit. It’s quite common nowadays in Warner Robins and across the state of Georgia. The table below depicts the estimated number of Warner Robins residents at each credit level.

FICO Score % of Population Residents
300-499 2% 1,423
500-549 5% 3,558
550-599 8% 5,693
600-649 12% 8,539
650-699 15% 10,674
700-749 18% 12,808
750-799 27% 19,213
800-850 13% 9,251

If your credit puts you in one of the lower groupings, don’t be concerned. We can still help you get approved.  Please keep in mind that we also serve clients in nearby Macon.