Are you interested in getting auto financing in Surprise, AZ with bad credit or zero down? We’ve taken the headaches out of car loans. Click the link to submit your application.
Ready to go over how it works?
- First off, you will need to submit your application online.
- We try and place your application with the best Arizona car loan company for your needs.
- Finalize your car loan paperwork and pick out your car or truck from a nearby dealer.
Just click here to submit your application online.
Approval And Interest Rates
In Surprise, the average yearly income is $18,186, while the average fico score is 659. Obviously, you don’t need to make more than $1500 per month to meet the criteria for car loans in Surprise, AZ.
For the most part, auto loan lenders will be expecting you to hold a secure job with $1500 income monthly. Additionally, your total monthly debt, inclusive of your auto loan, must not be more than fifty percent of your wages. In Surprise, Arizona, this means $758, on average. Even if you can’t fulfill the aforementioned prerequisites, it’s likely that you will meet the requirements with a co-buyer, more money down, or even via buy here pay here car lots in Surprise, AZ.
Used Auto Loans in Surprise (AZ)
You should devote no more than 1/5 of your regular monthly wages for monthly payments, gas, and maintenance. For the typical Surprise car owner, this comes out to $273-$303 per month.
Auto Loans with Bad Credit in Surprise (AZ)
Have bad credit?
If you want a bad credit auto loan in Surprise, Arizona, we offer access to a loan company who won’t instantly reject consumers who have credit ratings below 620. Nearly all lenders require down payments from applicants (normally 10%), coupled with a minimum debt-to-income ratio (no more than 50% of income going to debt payments each month).
Tote The Note Financing in Surprise (AZ)
Many AZ buy here pay here car dealers permit you to buy a car without a credit check, but what they don’t tell you is this: this reduces your ability to improve your credit scores. These dealerships have a few different names: Tote the Note, Your Job is Your Credit, or in house financing car lots in Surprise, AZ.
Such auto loans tend to be provided with no credit check. Regrettably, they have a few major cons:
- Inflated Rates
- Significant Down Payments
- High Mileage Used Cars and Trucks
Make certain you research any AZ in house financing dealer on the internet. Try and track down someone who has bought a vehicle from them recently, and find out whether or not the establishment is legitimate and honest.
Dealer Auto Loans in Surprise, AZ
- Rodd’s Auto Sales, 12637 West Grand Avenue, 85374
- Sunwest Auto Sales, 12845 West Bell Road, 85374
- Sands Chevrolet – Surprise, 16991 W Waddell Rd, 923