Pre-arranging your financing simplifies the car-buying process, and we can help. We have an industry-leading network of lenders and dealers, many of whom can approve you for a car loan – online! The application itself is easy to understand, and it requires less information than you might expect.
What About Bad Credit?
Subprime credit is rarely an issue. If you simply went from one dealer to another, completing applications, you might get turned down once or twice. With our process, you can apply just once, and we’ll find a lender willing to approve your credit, even if you’ve had credit problems in recent years. A down payment, as well as monthly income of $1500 per month may be required, but most people who apply through us get approved the same day they apply. Let us get you approved for financing from a bad credit car dealership in your area – today! Our service is easy, fast, and there are no obligations. Simply submit your application online.
Can I Finance a Car with Zero Down Payment?
Buyers with good credit can typically buy a car with no down payment. But if your credit is a problem, your dealer may want you to provide a payment in advance. The reason is simple: lending to consumers with problematic credit is a much riskier process, and a down payment makes sure that some percentage of the vehicle’s value is not at stake. That being said, there are dealers who offer financing with no down payment.
Our application placement system can find you a dealer or lender who’s willing to work with you, even if you don’t have a down payment.
Wisconsin Rapids Buy Here Pay Here Car Lots
This type of financing is sometimes known as:
- We Finance
- Rent to Own
- We Tote The Note
- Your Job is Your Credit
These dealers finance people that can’t get approved by a traditional lender. They approve people with problems like open bankruptcy, foreclosure, or repossession on their record.
Wisconsin Rapids Consumer Profile
Your FICO score is only part of the equation. Lenders evaluate your income, employment history, and history of credit.
Listed here are average stats for Wisconsin Rapids residents.
- Pre-Tax Income: $3,335 Monthly
- Average Car Payment: $367 (11% of Income)
- Recommended Car Payment: $267 to $334 (8%-10% of Income)
If you have subprime credit, you aren’t alone. This chart shows the estimated number of Wisconsin Rapids residents at each credit tier.
|FICO Score||% of Population||Residents|