Are you interested in getting auto financing in Hays, KS with poor credit or no down payment? We match you with companies who can approve auto loans for consumers in Hays, KS. Once you request a car loan quote, we’ll go that extra mile to match you with just the right loan, considering such factors as:
- Your Location
- How High Your Credit Score is
- How Much You Earn Per Year
- How Much You Can Put Down
This is how the process works.
When you complete your online application, we try to match you with the ideal auto loan company in Hays, Kansas for your location, income, and down payment. When pre-qualified, you’ll be contacted by your new Kansas car loan provider either by phone or email. Then all you need to do is complete your car loan paperwork and select your car or truck from a local car lot.
Follow this link to submit your application online.
Approval and Interest Rate
The city’s average yearly income is $35,303, while the average fico score is 682. Keep in mind, you don’t have to make more than $1500 per month to meet the criteria for an auto loan in Hays, KS.
For the most part, car loan companies will be expecting you to hold a solid job with $1500 income monthly. At the same time, your total monthly debt, including your new loan, shouldn’t be more than 50% of your wages. In Hays, Kansas, this rounds out to $1,471, on average.
Salary or fico score not high enough? You might still be able to meet the requirements as long as you do at least one of the following:
- Have Someone to Co-sign
- Supply a Larger Down Payment
- Go with Tote the Note Auto Loans.
Autos with No Money Down: Hays (KS)
Looking for car loans with no down payment in Hays, KS? We can help, though down payments are a good idea if you can afford it. Divide how much the vehicle you want costs by five (20%). This is an outstanding down payment, but you can probably get away with 10%. Additionally, we even may be able to connect you with some no down payment car dealerships in Hays, KS.
You should also think about your car payment. Never devote in excess of 18-20% of your income for your Kansas auto loan. Here are average numbers for Kansas drivers.
- Yearly Income: $35,303
- Monthly Income: $2,942
- Payment Range: $530-$588
Bad Credit Auto Finance in Hays (KS)
At Car Loans in Kansas, you can often get an auto loan, even in the event your fico score is sub-standard. In Hays, Kansas, the average consumer has got a credit score of 682, which is itself a bit low when it comes auto loans. This means many people today are in need of bad credit car loans in Hays, KS.
Fortunately for everyone who is searching for a bad credit car loan in Hays, Kansas, we work with a loan provider who won’t instantly refuse people with bad credit. Almost all finance companies require consumers who have poor credit to have a regular income of $1500 a month, minimum, as well as no more than $750 per month in debt payments (inclusive of your auto loan).
No Credit Check Dealerships: Hays, KS
Due to the economy in KS, buy here pay here loans have become increasingly popular.
At a buy here pay here car lot, referred to as a no credit check or your job is your credit car dealership, your auto loan does not come from a third party loan company. Or in other words, these car dealerships grant in house financing car loans to Kansas residents who’ve got poor credit. To some applicants, getting their car loan without a credit check seems like the way to go.
Regrettably, you’ll want to take into account a few significant downsides:
- Extortionate Rates Of Interest
- Deceptive Financing Practices
- Substantial Down Payment Requirements
- High Mileage Used Cars
Make certain you search any KS in house financing car dealership online. Be sure to speak with someone who has bought a car from them recently, and ask if the establishment is reputable.
Used And Bad Credit Car Dealers in Hays (KS)
- Rent A Wreck, 2719 Plaza Ave, 67601
- Upfront Autos, 4240 North Vine Street, 67601
- Fort Hays Auto Sales Inc, 609 East 8th Street, 67601
- Teel’s Trucks, 1200 Vine Street, 67601
- James Motor CO Inc, 107 West 13th Street, 67601
- Eighth Street Enterprises, 700 East 8th Street, 67601
- R A G Motors, 2814 Vine Street, 67601
- Pfeifer Auto Sales, 821 East 8th Street, 67601
- Auto World Used Cars, 722 East 8th Street, 67601
- World of Wheels Autoplex Inc, 426 East 8th Street, 67601
- Hays Toyota, 4450 Vine, 67601
- Sas Auto, 511 East 8th Street, 67601
- Hays Chevrolet, 2917 Vine St, 923
- Lewis Chrysler-Dodge-Jeep, 4440 Vine St, 67627
- I-70 Truck Repair, N Highway 183, 923