Find a car lots that go by income near you today. The car lots that go by income locations can help with all your needs. Contact a location near you for products or services.
Here are some car lots in your area that finances vehicles based on your income instead of your credit score.
Financing based on income means the car lot will look at factors like your current employment, income level and debt-to-income ratio rather than just your credit score. This makes it possible to get approved even with less than perfect credit.
While some money down is usually required, financing based on income allows for lower down payments than traditional loans. Down payments can range anywhere from $0 to $3,000 depending on your income and vehicle selected.
You'll have a selection of newer used vehicles from various manufacturers. Expect late model sedans, SUVs and trucks that are generally 5 years old or newer with under 75,000 miles. Inventory changes regularly so check the current stock.
Interest rates will depend on various factors like your income level and length of the loan term. Most rate ranges are 10-19% APR. Be prepared for potentially higher interest than a prime borrower but lower than subprime financing.
Standard loan terms are 3-6 years depending on the vehicle price and your projected income over time. Longer terms up to 7 years may also be available on select vehicles if your income and debt ratios allow for the lower monthly payments.
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