Auto Loans in Superior (WI)

Forget driving from one lender to another, submitting credit applications. We can get you the loan you need in less time, with fewer headaches. The advantages of our system are myriad:

  • Vast Dealer Network
  • Paperless Application
  • No Fees, Zero Commitments
  • No Down Payment Required
  • All Credit Tiers Approved
  • Instant Approval for Qualified Applicants
  • Approval Status Tracked Online

The actual application is completely web-based, and we’ve designed it to require less information than our competitors.

Superior Bad Credit Car Loans

Have you got a FICO score of 620 or less? Below-average credit isn’t a problem. There are three individual credit tiers considered subprime:

  • Tier 3/C: 580-660
  • Tier 4/D: 520-580
  • Tier 5/F: 250-520

No matter which tier you fall into, there are lenders who want to approve you for financing. Most lenders do require applicants with credit problems to provide a down payment, but most users get approved within minutes. Let us find you a dealer in Superior who can work with your credit – and since we’re compensated by the dealers themselves, it’s free! Our service is easy, fast, and hassle-free. Just submit your application online.

Zero Down Payment Deals?

If you’ve got good credit, then yes: you can typically finance a car without a down payment. If you have less-than-perfect credit, however, your dealer may require you to furnish a payment in advance. That is because financing customers with below-average credit is a much riskier proposition, and a down payment makes sure that at least a percentage of the loan has been secured. The good news is, as the economy improves, more and more lenders and dealers should be able to offer car loans with no down payment.

We get people approved all the time, despite issues with their credit and down payment.

Superior Buy Here Pay Here Car Lots

Buy here pay here financing is otherwise known as:

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

Customers who cannot secure financing due to seriously bad credit often wind up at these types of dealerships. The annual percentage rates are always high, but they typically offer guaranteed approval.

Credit and Income: Superior

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

  • Income
  • Job Stability
  • History of Credit

The following are average stats for residents of Superior.

  • Average Income: $2,762 Per Month
  • Average Car Payment: $304 (11% of Income)
  • Ideal Car Payment: $221 to $276 (8%-10% of Income)

Poor credit. It’s pretty common nowadays in Superior and across Wisconsin. The table below depicts the estimated number of Superior residents at each credit level.

FICO Score % of Population Residents
300-499 2% 615
500-549 5% 1,539
550-599 8% 2,462
600-649 12% 3,692
650-699 15% 4,616
700-749 18% 5,539
750-799 27% 8,308
800-850 13% 4,000