Interested in securing auto financing in Jersey City, NJ with bad credit or no money down? We put you in touch with loan providers who regularly approve car and truck loans for car shoppers in Jersey City, NJ. When you apply online, we’ll work hard to track down the perfect lending company, considering factors such as:
- Where You Live
- Your Credit Scores
- Your Salary
- How Much You Can Put Down
Auto Loan Basics
To start with, you want to submit your secure online application. We try to match you with the ideal New Jersey car loan company for your income, down payment, and location. After that, just finalize your auto financing paperwork and select your car or truck from a nearby car lot.
Please click here to submit your application online.
Financing a Used Car in Jersey City (NJ)
It’s best to devote only 18-20% of your regular monthly income for installment payments, gas, and maintenance. If you earn $20,052 per year, this comes out to $301-$334 per month. Never spend more than this. Additionally, you might want to choose a low cost car that offers excellent fuel economy. In many cases, obtaining a used auto loan in Jersey City, NJ is the better plan. Used cars and trucks are less costly to buy and to insure. Plus, they depreciate less quickly than new autos.
Bad Credit Auto Financing in Jersey City (NJ)
Want to buy a car in Jersey City, NJ with a bad credit score?
No one wants to have their credit rejected. We can help. Follow through to apply online.
If you make $1500 monthly and can boast a debt-to-income ratio below 50%, you have a very good chance of getting approved.
Car Loans After Bankruptcy or Repossession: Jersey City (NJ)
Bankruptcy filings and repossessions are a couple of the most unfortunate things that can happen to your credit rating. Have you been afraid that it won’t be possible to get an auto loan after bankruptcy or repossession? Yes, it may take increased work, but there are finance companies who approve car loans in Jersey City, NJ, even when you have dealt with:
- Declaring Bankruptcy (Ch. 7 or 13)
Although a bankruptcy will be on your credit history for seven years, a large number of loan providers can grant an auto loan after only two years.
Buying a Car Without Any Credit Check in Jersey City, NJ
Many NJ buy here pay here dealers allow you to finance a car without a credit check, but what they never tell you is this: this reduces your ability to improve your credit history. These car lots go by a few different names:
- In House Financing Car Lots
- Bad Credit Car Dealerships
Such auto loanstend to be supplied without any credit check.
Lamentably, they have several major drawbacks. These include high rates of interest, substantial down payment requirements, greater risk of predatory lending tactics, and reasonably limited inventory.
Be sure that you look into any NJ buy here pay here dealership on the web. Try and speak with someone who has obtained a vehicle from them in the past, and learn whether or not the car lot is of good repute.
Used And Bad Credit Dealers in Jersey City (NJ)
- Nesma Auto Sales Inc, 629 Communipaw Ave, 7304
- Metropolitan Volkswagen, 3085 John F Kennedy Blvd W, 7306
- Laidlaw Auto Repairs Inc, 163 Laidlaw Ave, 7306
- Car Depot, 15 James Avenue, 7306
- MAG & H Auto Sales, 689 Tonnele Avenue, 7307
- Rsccc Motor Corporation, 92 Harrison Avenue, 7304
- Defensive Driving, 115 Western Avenue, 7307
- Difeo, 585 USState Highway North # 440, 7097
- Garfield Used Car Inc, 942 Garfield Av, 7305
- Boricua Motors, 464 Grand Street, 7302
- EMG Auto Sales, 1690 John F Kennedy Boulevard, 7305
- Gioia Auto Repair, 112 Central Avenue, 7306
- Hudson Toyota A UnitedAuto Dealership, 585 State Rt 440, 7305
- Dino’s Plaza Cars, 3230 John F Kennedy Boulevard, 7306
- Don Taveras Used Auto Sales, 1046 Garfield Avenue, 7304
- Albrizio’s Used Cars Inc, Jersey City Area, 7307
- Elite Auto Wholesalers, 647 Communipaw Avenue, 7304
- Elite Auto Wholesalers, 646-648 Communipaw Avenue, 7306
- Metro Motors, 111 Tonnele Avenue, 7306
- Mark One Auto, 258 Culver Av, 7305
- Liberty Park Auto Sales, 758 Garfield Avenue, 7305
- Ash Auto Sales, 1780 John F Kennedy Boulevard, 7305
- Safari Auto Sales, 847 Communipaw Ave, 10309