Auto Loans in West Bend (WI)

If you need to finance a car, we can help. Our loan-finding system takes the headache out of getting approved. Just apply online, and we’ll begin working to get you approved from a dealer or lender that suits your needs.

West Bend Bad Credit Car Loans

Below-average credit is often a real obstacle when it comes to financing, but not when you apply through us. There are several principal credit tiers when it comes to auto financing, and we work with lenders that service each of them. Most finance companies do require individuals with bad credit to earn at least $1500 a month, but most applicants get approved right away. Let us find you a lender or dealer in West Bend that approves loans for people with bad credit – online! The process is easy, fast, and hassle-free. Simply submit your application online.

No Money Down Auto Loans?

We do have lenders in our network who don’t require applicants to offer a down payment. However, providing a down payment is a good idea for a number of reasons: it minimizes your payment, interest, and risk of being upside down. The optimal down payment would be 20% for a new vehicle, and 10% for a used one.

With that being said, our lenders and dealers realize that down payments are harder to come by in this economy. Apply online, and indicate zero down payment in the appropriate section. We will place your application with a lender who can finance your purchase, no down payment necessary.

What About In-House Financing?

In House financing is also known as:

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

These dealers approve car loans directly, rather than relying on banks or lenders. Payments are made to the dealer directly, and the vehicles typically cost less than $10,000.

Credit and Income: West Bend

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

  • Ability
  • Source of Income
  • Credit History

The following are average statistics for West Bend residents.

  • Gross Income: $4,509 Monthly
  • Average Car Payment: $496 (11% of Income)
  • Suggested Car Payment: $361 to $451 (8%-10% of Income)

If you have below-average credit, you’re not alone. This chart depicts how many people in West Bend are in each credit tier.

FICO Score % of Population Residents
300-499 2% 896
500-549 5% 2,239
550-599 8% 3,583
600-649 12% 5,375
650-699 15% 6,718
700-749 18% 8,062
750-799 27% 12,093
800-850 13% 5,823

Ready to get going? It’s easy to submit your application.