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Car Loans – Lincoln (AR)

In Lincoln, AR, auto loans have become more difficult to obtain. How would you like to get approved for an auto loan in the next day? It’s possible. We have partnerships with car finance lenders and dealerships that are extending credit to borrowers in Lincoln, even in the event that their credit scores haven’t been perfect. Once you submit your application online, we will do our very best to find you the best finance company, bearing in mind such factors as:

  • Where You Live
  • What Your Credit Score is
  • Your Salary
  • Amount of Money Down

Getting Approved

  • Average Lincoln Income: $29,633 Yearly
  • Average AR Fico Score: 668

For the very best likelihood of acceptance, you must have:

  • Wages Of More Than $1500 Per Month Before Taxes
  • At Minimum 12 Months Of Being Employed
  • Monthly Loan Payments No More Than Half of Earnings

Even when you don’t satisfy these criteria, you may meet the requirements with a co-buyer, more money down, or with buy here pay here car lots in Lincoln, AR.

Auto Financing with Zero Down Payment in Lincoln (AR)

Looking for an auto loan with no money down in Lincoln, AR? We help car shoppers find no down payment car deals all of the time. Just apply online. But needless to say, down payments are recommended if you can afford the expense. Divide how much your vehicle costs by 5. If you can come up with anywhere near this much, it would be an outstanding down payment. Having said that, you could probably get a car in Lincoln, AR for $500 down. We work with several zero down payment car dealers in Lincoln, Arkansas.

Bad Credit Car Loans in Lincoln, Arkansas

Have a low credit score?

If you’ve got unfavorable credit ratings, Auto Loans of Arkansas works with a lender who approves Arkansas bad credit car loans each and every day. Many finance companies require down payments from applicants (generally 10%), as well as a maximum of 50% of monthly income being allotted to existing debt.

Bankruptcy Auto Loans: Lincoln, AR

Bankruptcies, foreclosures, and repossessions are some of the very worst things for your credit score. Are you worried that it won’t be possible to find auto financing with bankruptcy, foreclosure, or repossession? Yes, it might require a bit of increased effort, but we can help you find creditors that approve bad credit car loans in Lincoln, AR, even when you’ve dealt with:

  • Filing for Bankruptcy (Ch. 7 or 13)
  • Repossessed Vehicles
  • Overdue Payments

Of course, it takes seven years for going bankrupt to vanish from your credit rating. Generally loan companies won’t approve an auto loan until the filing is 24 months old.

Financing a Car With No Credit Check in Lincoln (AR)

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Due to the economy in AR, buy here pay here loans have become a good deal more popular.

At bad credit car dealerships, also called a tote the note or your job is your credit car dealership, the auto loans are approved on-site. To paraphrase, these dealerships offer in house financing car loans to Arkansas residents with bad credit. Such car loans are often available without any credit check.

Regrettably, they have several major drawbacks:

  • Expensive Interest Rates
  • Aggressive Financing Tactics
  • Substantial Down Payments
  • High Mileage Used Cars and Trucks

But don’t worry, we may be able to help you find the car loan you want without relying on buy here pay here financing. Wondering what type of car or truck you should buy? Take a look at our section regarding cheap used cars in AR.

  • Arkansas dealership? Contact us to be listed.