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Car Loans – Astoria (OR)

Looking to find car loans in Astoria, Oregon? Yes, the economy has been rough, but there are finance companies who still want your business – it’s our mission to put you in touch with them. Best of all, it costs nothing.

Ready to take a look at how it works?

  1. For starters, you’ll want to submit a secure online application.
  2. We try and connect you with the best Oregon auto loan lender for your location, income, and down payment.
  3. When pre-qualified, a special finance officer will contact you by phone or email.
  4. Finalize your auto finance paperwork and pick out your car or truck from an area dealer.

Follow through to submit your application online.

Getting Approved

In Astoria, the average monthly income is $3,028. The average credit rating is 686. Keep in mind, these are just averages. You don’t need to make more than $1500 per month to qualify for a car loan in Astoria, OR.

Nearly all car loan providers will be expecting you to hold a stable job with $1500 income monthly, and your level of existing debt, including your new loan, must not surpass fifty percent of how much you make per month. For consumers who live in Astoria, OR, this equates to $1,514 (average).

Don’t meet these prerequisites? You might still qualify with a co-signer, more money down, or even through buy here pay here financing in Astoria, OR.

Used Auto Loans in Astoria (OR)

It’s best to commit only 1/5 of your monthly income for stuff like your:

  • Monthly Payments
  • Upkeep
  • Gas

If you were to earn $36,334 annually, this equates to $545 to $606 each month.

Car Loans with Bad Credit in Astoria, OR

It is very important to plan thoroughly for your Oregon auto loan, particularly if you’ve got bad credit. You wouldn’t want to lower your credit scores even more. So please don’t set aside over 15% of your income every month toward paying back your bad credit loan.

  • $454: 15% of average income in Astoria, Oregon
  • $151: 5% for fuel, servicing, etc.

Additionally, you should provide the biggest down payment you can. New cars and trucks depreciate immediately, and a down payment serves to counteract this.

In addition, we encourage you to purchase a cheap used vehicle that offers decent fuel economy.

Post-Bankruptcy Auto Financing: Astoria (OR)

Bankruptcies and repossessions are a couple of the most unfortunate things for your consumer credit. Lots of Oregon residents fear that they won’t be able to get an auto loan after bankruptcy or repossession. Fortunately, we can help you find loan creditors who provide bad credit auto financing in Astoria, OR, even if you’ve suffered:

  • Declaring Bankruptcy (Ch. 7 or 13)
  • Repossessed Vehicles
  • Late Payments

Although a bankruptcy will be on your credit file for 7 years, the majority of lenders can authorize an auto loan after merely 2. Bad credit auto loans can be a good method to supercharge your credit scores following bankruptcy, foreclosure, or repossession.

Buying a Car Without Any Credit Check in Astoria (OR)

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A lot of OR buy here pay here car lots will allow you to finance a car with no credit check, but what they don’t tell you is this: this decreases your chances of bettering your credit.

At buy here pay here car lots, referred to as a no credit check or your job is your credit car dealership, the dealership doesn’t count on off-site loan providers to offer financing. Simply put, these dealers offer in house financing auto loans to Oregon applicants with poor credit. These types of Oregon car loans are often offered with no credit check.

Unfortunately, they aren’t without some potential disadvantages. These include high aprs, larger down payments, greater risk of deceptive lending tactics, and narrow vehicle selection.

Even if you have bad credit, you may be able to get approved for the auto loan you’re looking for without resorting to buy here pay here financing.

Used or Buy Here Pay Here Dealerships in Astoria, OR

  • Astoria Auto Sales, 2615 Marine Drive, 97103
  • Lum’s Auto Center – Used Cars, 595 West Marine Drive, 97103
  • Lum’s Auto Center, 1625 Exchange St, 97103
  • Astoria Ford Inc, 710 West Marine Drive, 97103
  • D & P Auto Sales, 92335 Riekkola Rd, 97121