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Auto Loans in Phoenix (AZ)

In Phoenix, AZ, auto loans have become much more difficult to find. No matter if you need a luxury car or a full-size truck, we can help you get your credit approved in as little as a day. Applying takes less than 3 minutes.

Acceptance And Interest Rates

The city’s average yearly income is $22,169. The average credit rating is 659. Of course, you don’t need to earn more than $1500 a month to meet the criteria for an auto loan in Phoenix, AZ.

Generally, car loan lenders require you to hold a consistent job with $1500 income a month. Additionally, the amount you spend on existing debts, inclusive of your new loan, should not exceed half of your wages. In Phoenix, Arizona, this is $924 (average). Earnings or fico score too low? No worries. You might still be able to meet the criteria as long as you:

  • Have Someone to Co-sign
  • Provide More Money Down
  • Opt for Your Job is Your Credit Auto Loans.

Financing a Used Car: Phoenix (AZ)

Auto Loan in Arizona
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In terms of Arizona car loans, make sure you devote no more than 18 to 20% of your regular monthly income for stuff like your:

  • Car Payments
  • Maintenance
  • Fuel

For your typical Phoenix resident, this comes out to $332-$369 a month. Never fork out more than 20% of your income on your car.

Buying a Car With Bad Credit in Phoenix, Arizona

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Auto Loans of AZ!

It is important to plan the right way for your car loan in Phoenix, AZ. So please do not set aside above 15% of your income monthly toward paying off your bad credit loan.

  • $277: 15% of average income in Phoenix, AZ
  • $92: 5% for fuel, routine maintenance, etc.

On top of that, you want to have the largest down payment you can. New cars lose value instantly. A down payment counterbalances this.

No Credit Check Auto Loans: Phoenix (AZ)

Auto Loans in Arizona
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Thought about buying a car or truck in Phoenix, AZ with no credit check? Buy here pay here car lots might be your only course of action.

These dealerships go by a few different names:

  • Your Job is Your Credit Car Lots
  • In House Financing Car Lots
  • Bad Credit Car Lots

Such auto loans will often be provided with no credit check.

Lamentably, there are a few potential drawbacks, which include excessive interest rates, substantial down payment requirements, more risk of deceptive financing tactics, and minimal vehicle selection.

Be sure that you research any AZ buy here pay here dealership online. Attempt to speak with someone who has purchased a car or truck from them before. Ask them if the dealer is reputable.

Dealerships That Finance People With Bad Credit: Phoenix, AZ

  • Eddie’s Used Cars & Service Center, 507 N 32nd St, 85008
  • One Way Auto, 212 E Broadway Rd, 85040
  • Camelback Discount Center, 2226 W Camelback Rd, 85015
  • Double Eagle Motors Inc, 4750 N 7th Ave, 85013
  • Jalopy Jungle, 1472 E Van Buren St, 85006
  • Joey’s Auto Sales, 916 N 35th Ave, 85009
  • Knoblauch International – KNOBI, 2635 E Beryl Ave, 85028
  • MJB Auto Sales, 9606 N Cave Creek Rd, 85020
  • Price’s Rite Motors, 2840 E Washington St, 85034
  • J & E Auto Sales, 1716 E Jackson St, 85034
  • Sunburst Car Company, 3777 Grand Ave, 85019
  • A1 Auto Sales & Repair, 5301 E Van Buren St, 85034
  • Mercedes Benz Sales & Service, 225 W Indian School Rd, 85013
  • Dynamite Auto Sales Inc, 1934 E Van Buren St, 85006
  • Encanto Auto Sales, 2330 N 35th Ave, 85009
  • Jaber’s Truck & Auto Sales, 732 E Dunlap Ave, 85020
  • BNT Auto Wholesale, 2850 E Van Buren St, 85008
  • El Compass Auto Sales, 3629 W McDowell Rd, 85009
  • Heras Brothers Auto Sales, 3301 E Van Buren St, 85034
  • Auto Now Trucks & Suv’s, 2021 E Bell Rd, 85022
  • Montenegro’s Auto Sales LLC, 326 N 16th St, 85006
  • Liberty Truckland, 5095 W Camelback Rd, 85031
  • Jones Ford Mercury Inc, 781 Phoenix-Wickenburg Hwy, 85007
  • Lund Cadillac, 1311 East Bell Road, 85022
  • Grijalva Car Company, 405 South 35th Avenue, 85009
  • Family Loan CO Inc, 1610 East Van Buren Street, 85006
  • Bueno Used Cars Inc, 1247 East Van Buren Street, 85006
  • Westside Motors, 5216 North 27th Avenue, 85017
  • Sun Valley Auto, 9210 North Cave Creek Road, 85020
  • Primo’s Auto Sales, 1741 East Jefferson Street, 85034
  • Eduardo’s Auto Sales, 612 West Broadway Road, 85041
  • Alta Vista Auto, 323 East Dunlap Avenue, 85020
  • Sky Harbor Auto Sales, 2246 East Van Buren Street, 85006
  • Auto of Camelback Toyota, 1500 East Camelback Road, 85014
  • Hill’s Paul Car Company, 1935 East Jefferson Street, 85034
  • Camelback Volkswagen, 1499 E Camelback Rd, 85222
  • Chevrolet – Lou Grubb Chevrolet, 2646 W. Camelback Road, 85017
  • Classy Auto Sales, 2717 West Colter Street, 85017
  • Miguels Trailers & Auto Sales, 1541 East Adams Street, 85034
  • Latty & Sons, 2429 East Jefferson Street, 85034
  • Chapman Lincoln Mercury, 1330 E Camelback Rd, 85014
  • Midtown Motorsports, 3239 West Van Buren Street, 85009
  • Bell Road Mitsubishi, 999 West Bell Road, 85023
  • Kahuna Investments Inc, 951 West Watkins Street, 85007
  • Mary’s Auto Sales, 303 North Black Canyon Highway, 85009
  • Auto Experience, 1721 East Washington Street, 85034
  • Best Buy Auto Sales, 1122 East Van Buren Street, 85006
  • El Mexicano Auto Sales, 1841 West Linden Street, 85007
  • Smith W D Car CO, 9201 North 7th Street, 85020
  • Toy Box Fine Motor Cars, 2121 East Indian School Road, 85016
  • 5 Star Auto Sales, 2401 East Adams Street, 85034
  • Wholesale Auto Sales Inc, 203 South 23rd Street, 85034
  • Gonzales Auto Sales, 3911 West Indian School Road, 85019
  • Car & Truck City Inc, 5114 North 27th Avenue, 85017
  • Mesa Auto Sales, 902 West Van Buren Street, 85007
  • Showcase Mazda, 1521 East Camelback Road, 85014
  • The Car Mart, 9827 North Cave Creek Road, 85020
  • Holland Charlie Auto Broker, 5331 North 27th Avenue, 85017
  • Del Coronado Motors, 3127 West Van Buren Street, 85009
  • Good Deal Car Company, 3916 West Indian School Road, 85019
  • Leo’s Auto Sales, 1703 East Jefferson Street, 85034
  • Grand Avenue Motors, 1829 Grand Avenue, 85007
  • Shannen Autos Sales, 3464 West Earll Drive Suite H, 85017
  • Pre Owned North Scottsdale A Unitedauto Dealership, 7101 East Chauncey Lane, 85054
  • Sullivan Motor CO, 748 East Broadway Road, 85040
  • Any Charity Auto Sales, 2145 West Williams Drive, 85027
  • Uncle Milty’s Auto Sales, 2701 East Bell Road, 85032
  • National Auto Mart, 2947 West McDowell Road, 85009
  • Horizon Auto Sales, 5301 North 27th Avenue, 85017
  • Town & Country Motors, 1620 East Van Buren Street, 85006
  • Guadalajara Auto Sales, 3601 East Washington Street, 85034
  • Insurance Auto Auctions, 2299 West Broadway Road, 85041
  • Sands Used Cars and Trucks, 1133 West Bell Road, 85023
  • Ed Moses Pre Owned Superstore, 2020 East Bell Road, 85022
  • Fred Carries Contracts, 1222 East Van Buren Street, 85006
  • Lincoln Mercury Leasing Associates, 1330 East Camelback Road, 85014
  • Gandara Fernando CO Los Compas Auto Sales, 4021 South Central Avenue, 85040
  • Courtesy On Bell, 1550 East Bell Road, 85022
  • Drivetime Car Sales – Phoenix, 9650 North 19th Avenue, 85021
  • Auto Credit Locators, 2601 West Dunlap Avenue, 85021
  • Drivetime Car Sales – Phoenix, 4121 South Central Avenue, 85040
  • 25th Avenue Auto Sales, 3199 West McDowell Road, 85009
  • Wholesale Auto Sales Inc, 1825 East Jefferson Street, 85034
  • Midway, 2201 West Bell Road, 85023
  • SGR Sales, 3611 North 36th Avenue, 85019
  • Q Auto & Parts, 4131 East University Drive, 85034
  • Lalos Auto Sales, 1521 East Van Buren Street, 85006
  • Skyway Motors, 2201 East Van Buren Street, 85006
  • Redman Ginger, 2812 South 40th Street, 85040
  • Childres Buick, 2223 West Camelback Road, 85015
  • Moon Valley Used Cars Inc, 3021 West McDowell Road, 85009
  • America Automotive, 3102 East Van Buren Street, 85008
  • R & R Auto Sales, 3035 East Vanburen Street, 85032
  • Global Motors, 1721 East Jefferson Street, 85034
  • A Select Auto Inc, 2821 West Lincoln Street, 85009
  • Greatest US Auto, 1938 West Buckeye Road, 85009
  • 4 U Used Cars and Tires, 2117 West Van Buren Street, 85009
  • Showcase Honda, 1400 East Camelback Road, 85014
  • Coolmotors Inc, 9823 North Cave Creek Road, 85020
  • C & C Auto Sales, 1634 East Van Buren Street, 85006
  • AffluenceAZ.com, 10439 North 11th Place, 85020
  • Performance Dodge, 4240 W Glendale Ave, 85051
  • 36th Avenue Auto Sales, 3560 West Van Buren Street, 85009
  • World of Deals, 2045 North 7th Street, 85006
  • Drivetime, 4020 East Indian School Road, 85018
  • League Auto Sales, 1155 East Van Buren Street, 85006
  • Hawkeye Motors, 10 East Cody Drive, 85040
  • Centennial Leasing & Sales, 48 North 56th Street, 85034
  • Wally’s Used Cars, 1200 East Van Buren Street, 85006
  • MTN View Auto Repair, 9805 North Cave Creek Road, 85020
  • Carrillo Greg, 2259 West Shangri La Road, 85029
  • Rick’s Cheap Cars & Trucks, 9210 N Cave Creek Rd, 85020
  • Fredrik’s Auto, 101 North 24th Street, 85034
  • Royal Motors, 3369 West McDowell Road, 85009
  • Ramblin Red’s Auto Sales, 1301 East Van Buren Street, 85006
  • Cachanilla Auto Sales, 3001 West Van Buren Street, 85009
  • L & J Auto Brokers, 4195 West Clarendon Avenue, 85019
  • Arizona Car & Truck Stores, 17410 North Cave Creek Road, 85032
  • American World Ventures, 4496 North Black Canyon Highway, 85017
  • Sanderson Linc-Merc Inc, 2121 West Bell Road, 85023
  • A.A.F.C. – Alternative Auto Finance Consultants, 3104 East Camelback Road, 85016
  • Camelback Subaru Volkswagon SAAB, 1499 East Camelback Road, 85014
  • Autos Baratitos, 1320 E Van Buren St, 85006
  • 20th St Auto Parts Inc – Auto Sales, 1922 East Jefferson Street, 85034
  • Bunny Auto Sales Inc, 1441 East Van Buren Street, 85006
  • Corporate Auto Wholesale, 4106 East University Drive, 85034
  • Robles Auto Sales, 1509 East Van Buren Street, 85006
  • Atlas Auto Sales, 4140 West Indian School Road, 85019
  • Ledezma Auto Sales, 3700 East Van Buren Street, 85008
  • SBK Motors Inc, 5301 East Van Buren Street, 85008
  • Phoenix Motor Company Pre-Owned Center, 1147 East Camelback Road, 85014
  • The Battery Man, 515 East Carefree Hiwy, 85085
  • Bell Acura, 1234 West Bell Road, 85023
  • Cashback Auto, 222 North 24th Street, 85034
  • Los Pinos, 5324 North 27th Avenue, 85017
  • Trucks Only, 3102 East Bell Road, 85032
  • Lo-Par Auto Sales, 1535 East Van Buren Street, 85006
  • 4U Used Car & Tire, 2428 West Glendale Avenue, 85021
  • Auto Mart West, 2930 West McDowell Road, 85009
  • German Auto Company, 5244 North 7th Street, 85014
  • Lobos Auto Sales, 3740 East Van Buren Street, 85008
  • Prieto’s Auto Sales, 4626 South Central Avenue, 85040
  • Pena Auto Sales, 2515 West Van Buren Street, 85009
  • Lobos Autos Sales, 3754 East Van Buren Street, 85008
  • Brock’s Auto Sales, 621 East Broadway Road, 85040
  • Medina’s Automotive, 3201 East Van Buren Street, 85008
  • Vista Auto Sales, 9315 North Cave Creek Road, 85020
  • Shadi Inc, 3244 South 40th Street, 85040
  • Town & Country Motors, 1702 East Van Buren Street, 85006
  • Los Socios Auto Sales, 3001 E Van Buren St, 85008
  • Remo’s Auto Sales, 13849 North 32nd Street, 85032
  • Gregory Carrillo Racing, 10022 North 19th Avenue, 85021
  • Arizona Motor Car, 1501 West Van Buren Street, 85007
  • Prestige Auto Sales, 9810 North Cave Creek Road, 85020
  • Rick’s Cheap Cars & Trucks, 3912 West Indian School Road, 85019
  • Mastercraft Auto Sales, 6515 North 12th Street, 85014
  • Brace Engineering, 3838 North 36th Avenue, 85019
  • El Compita Auto Sales, 1332 Grand Avenue, 85007
  • Drivetime Car Sales – Phoenix, 330 North 24th Street, 85008
  • Drivetime Car Sales – Phoenix, 1515 East Bell Road, 85022
  • Noghrechchi Inc, 4101 East University Drive, 85034
  • Camelback Toyota Inc., 1500 E Camelback Rd, 85014
  • Suiter’s Automotive, 11049 North 23rd Avenue, 85029
  • Specialty Auto Brokers Limited, 2425 South 7th Avenue, 85007
  • Paul Motors, 1112 East Van Buren Street, 85006
  • Rulis Auto Sales, 2013 West Van Buren Street, 85009
  • Cave Creek Jabers Auto, 9828 North Cave Creek Road, 85020
  • Fantasy Auto Sales Inc, 9102 North 7th Street, 85020
  • Alpha & Omega Auto Sales, 3826 West Indian School Road, 85019
  • LA RAZA Auto Sales, 2101 West Van Buren Street, 85009
  • Hyatt Car Company, 4827 North 27th Avenue, 85017
  • Reyes Auto Sales, 6330 West Van Buren Street, 85043
  • Emz Auto Sales, 4025 North 38th Avenue, 85019
  • Sinaloa Auto Sales, 2448 West Van Buren Street, 85009
  • Car Town, 16234 North 32nd Street, 85032
  • Junior & J Supertrucks, 1333 East Van Buren Street, 85006
  • Galaxy Auto Sales, 1003 East Camelback Road, 85014
  • Jeffries Glenn G Used Cars Incorporated, 2441 W Mohave St, 85038
  • Power Chrysler Jeep Dodge, 16406 N 26th Ave, 85085
  • R Auto Sales, 2812 S 40th St, 85098
  • Q Auto & Parts, 4131 E University Dr, 85098
  • C & J Motors, 2415 E Adams St, 85098
  • Courtesy Chevrolet, 1233 E Camelback Rd, 85098
  • Live X Auto Exchange, 2929 E Camelback Rd, #124, 85099
  • Red X Auto Deals, 2535 W Glendale Ave, 85099
  • D Sharpe & Association, 4021 S 16th St, 85099
  • JMC Consulting, LLC, , 85377
  • A-1 Van Rental & Leasing, 2217 E Washington St, 923
  • Bueno Used Cars Incorporated, 1247 E Van Buren St, 923
  • Bell Road Toyota, 2020 W Bell Rd, 923
  • Bill Luke Chrysler Jeep & Dodge, 2425 W Camelback Rd, 923
  • Magic Auto Sales, 1636 S 7th St, 923
  • Ryder Vehicle Sales, 5502 W Latham St, 85323
  • Enterprise Car Sales, 4217 W Camelback Rd, 85323
  • AUTO MERCADO, LLC, 2101 W Van Buren St, 85323
  • Insurance Auto Auctions, 2299 W Broadway Rd, 85323
  • Goodbuy Auto & Truck Auction, 2956 W Osborn Rd, 85323
  • Integrity Car & Truck Sales, 1645 W Bell Rd, 85326
  • Chapman BMW on Camelback, 1144 E Camelback Rd, 85326
  • Patrick’s Classy Cars, 2117 W Deer Valley Rd, 85326
  • Schumacher European Limited, 18530 N Scottsdale Rd, 85027
  • Used Honda Phoenix, 28 N Central Ave, 85284
  • Russo & Steele LLC, 5230 S 39th St, 85284
  • Arizona Carsales.com, 1400 E Camelback Rd, 85284
  • Kings Auto Sales, 2448 W Van Buren St, 85323
  • Camelback Hyundai, 2223 W Camelback Rd, 85323
  • Power Subaru, 6240 E Mcdowell Rd, 85221
  • Coulter Cadillac, 1188 E Camelback Rd, 85326
  • Chapman Hyundai, 999 W Bell Rd, 85326
  • Chapman Mitsubishi, 999 W Bell Rd, #1, 85326
  • Power Chevrolet Arrowhead, 9055 W Bell Rd, 85331