Where do you turn if you need to find financing for a used car in Arizona, but have been turned down for a loan from the big dealerships in Tempe, Mesa, Scottsdale, or Phoenix? Where can you go to find bad credit car loans in Arizona?
The first things you need to consider is why were you turned down previously? Most likely, you were turned down for a car loan because of a bad or low credit score – possibly you have no credit whatsoever. If this is the case, that you have a bad credit score, but you have a job and a stable residence, you may be able to obtain bad credit auto financing in Mesa, from USA Auto – a buy here pay here dealership.
What to Expect with Bad Credit Car Loans
The first thing you need to do when considering bad credit car loans is to set your expectations. Because credit is like a form of trust that the lender has in you repaying the loan, you need to realize that the buy here pay here dealership isn’t likely to extend a huge line of credit to you. Rather than loaning you $25,000 for a brand new vehicle, the dealership is more likely to extend about half that to you – around $12,000.00 , or so.
Using Bad Credit Used Car Financing to Build or Repair Credit
If you have an even lower credit score, it is not uncommon to see the loan amount be closer to $5,000.00. The good thing is, you can find some very good and reliable used cars in mesa lots for these prices. And remember, by getting the smaller loan you are helping to build or repair your credit.
What Kind of Car Payments Can You Afford?
Because bad credit car loans will utilize your job and stable residence as qualifying factors for your loan, it is important to work out how much you can afford per month as a monthly payment. This will be important, as the monthly payment will include interest on the principal amount borrowed – so working out your monthly payment first is one of the best ways to begin.
Remember, Some Used Car Options May Be Limited
With bad credit car loans, you will be able to get the car you need to get you to and from work, but you may have to be a bit open on the options available. For instance, Mesa car sellers will do their best to find you a make or model of vehicle that you like and match it to what you can afford. However, the cars available might not have the latest accessories, add-ons, and vehicle colors. Just remember that getting an affordable used car that is reliable and gets you from point A to point B is the main concern.
USA Auto – Arizona’s Trusted Used Car Dealer
Shopping for used vehicles can be difficult, but USA Auto gives our customers a promise: “we won’t waste your time.” Come in and see us and we will let you know if we are able to help you and work with your credit situation. We don’t play games or waste your time – we are here to help you get into a reliable used vehicle.
What Kind of Used Cars Are Available for Bad Credit Auto Loans at USA Auto’s Mesa Dealership?
As Arizona’s premiere family-owned and operated buy-here-pay-here dealership, we have in-house financing and a fast moving stock of used cars, trucks, and SUVs. Our inventory moves very fast, so we implore our customers to check out inventory, check it often, and if you see a used vehicle that you like, be sure to let us know. We can’t guarantee it will be available for long.
What Do We Have Available Now? Check Out the Selection Below:
2011 Hyundai Sonata SE 2.0T 4dr Sedan
The highly sought-after 2011 Hyundai Sonata in classic white is available at our Mesa auto dealership now. With stability control, multi-function keyless remote entry, and anti-theft alarm, this beautiful used car can be yours for under $12,000.
2014 Dodge Avenger SE 4dr Sedan
This 2014 used dodge vehicle is such an amazing deal, we can’t advertise the price! With black interior and exterior, this vehicle is smooth and sleek and includes multi-function remote keyless entry.
2012 Jeep Wrangler Unlimited 4×4 Sahara 4dr SUV
Another used vehicle that is priced to move, this 2012 used jeep has a manual transmission, roll stability control, and hill ascent assist – making it the perfect toy for outdoorsmen and recreational enthusiasts. This used recreational off-road vehicle in Mesa, AZ won’t last long, so get in to our Mesa dealership soon!