Interested in finding a car loan in Chattanooga, TN with poor credit or no money down? We’ve eliminated the stress from financing a car. Best of all, it costs nothing.
Let’s take a look at how it works.
Firstly, you’ll want to apply online. We match you, if possible, with the right car loan company in Chattanooga, Tennessee, given your application criteria. If pre-qualified, you’ll be contacted by your new Tennessee car loan provider by phone or email. After that, just finalize your auto loan documentation and pick out your vehicle from a local dealership.
Simply click here to apply online.
Income and Credit Ranking
- Average Chattanooga Income: $20,905 Annually
- Average TN Fico Score: 679
Generally, car loan providers require that you be gainfully employed with $1500 income per month. In addition, your total monthly debt, including your auto loan, must not be more than 50% of your income. In Chattanooga, Tennessee, this comes out to $871 (average).
Even in the event your income doesn’t meet the aforementioned criteria, you might meet the requirements by taking one or more of these steps:
- Get Someone to Co-sign
- Trade in an Existing Car or Truck
- Offer More Money Down
- Go with Tote The Note Financing.
Auto Loans with No Down Payment in Chattanooga, TN
Looking for no down payment auto financing in Chattanooga, TN? We can help, though down payments are advisable if you have the cash. Almost all companies will be pleased with a down payment of 15 to 20%.
Car Loans with Bad Credit: Chattanooga, Tennessee
Poor credit? Let’s look at credit scores in TN as a whole:
- Average TN FICO Score: 679
- Credit Rating Considered “Poor”: 620 or lower
- Number of Individuals with Adverse Credit: 56,895
Nobody likes to have their credit denied. We can help. Follow through to submit your application online.
Make around $1500 a month? If that’s the case, you have an excellent chance of being approved.
No Credit Check Auto Financing: Chattanooga (TN)
Virtually all TN buy here pay here car lots permit you to buy a vehicle without a credit check, but what they never tell you is this: this decreases your chances of strengthening your credit. These dealers have many names:
- Bad Credit Car Dealerships
- Tote The Note Car Lots
- Your Job is Your Credit Dealerships
- In House Financing Car Lots
- We Finance Car Lots
For some folks, getting their car loan without any credit check sounds wonderful.
Unfortunately, they have some significant drawbacks. The rates and advance payments are high, and you’ll have little chance to rebuild your credit rating through such an establishment.
But fear not, there’s a good possibility you could get approved for auto loans at better interest rates than you could expect from a your job is your credit vehicle lot.
Dealerships That Work With Bad Credit in Chattanooga, TN
- Jimmy’s Motors, 203 Workman Rd, 37410
- Big Hearted Smittys, 3600 Rossville Blvd, 37407
- Hutsell Motor CO, 1511 East 36th Street, 37407
- Lease Car & Truck Sales, 5510 Ringgold Road, 37412
- Easy Auto Credit, 5610 Ringgold Road, 37412
- Conley Smith Chevrolet Inc – Stevenson AL, Kentucky Avenue, 37402
- Donna’s Rent-A-Car, 1419 South Moore Road, 37412
- D & E Auto Sales, 2860 Hickory Valley Road, 37421
- Economy Honda Superstore, 2135 Chapman Road, 37421
- Kingwood Auto Sales, 3839 Ringgold Road, 37412
- Hamilton Harold Auto Sales, 5801 Lee Highway, 37421
- Hickory Valley Motors, 6880 Lee Highway, 37421
- Danny’s Motors, 4314 Rossville Boulevard, 37407
- Lands Auto Sales, 4308 3rd Avenue, 37416
- Import Auto & Truck, 8110 Standifer Gap Road, 37421
- Adcox Herb Chevrolet CO, 5721 Lee Highway, 37421
- Auto Tech Used Cars Sales & Service, 3415 Campbell Street, 37406
- Import Auto Sales, 3501 7th Avenue, 37407
- Delta Motors, 3904 Rossville Boulevard, 37407
- Connoisseur Motor Cars, 3926 Brainerd Road, 37411
- Cody Motor CO, 7206 Bonny Oaks Drive, 37421
- Holiday Motors, 2908 Rossville Boulevard, 37407
- C & S Used Cars, 2121 Broad Street, 37408
- Final Touch Auto Sales, 4104 Ringgold Road # B, 37412
- Carco Motor CO, 4001 Calhoun Avenue, 37407
- Backyard Buildings, 7673 East Brainerd Road, 37421
- Ideal Used Cars, 1721 Gray Road, 37421
- Choo-Choo Auto Sales, 1633 Shepherd Road, 37421
- AAA Auto Club South (Or Nationwide), 2111 Gunbarrel Road, 37421
- B & R Motors, 2829 Rossville Boulevard, 37407
- GANT Motors Wrecker Service, 2913 Rossville Boulevard, 37407
- Kelly Cadillac Incorporated, 900 Riverfront Parkway, 37402
- Al’s Auto Sales, 2823 Cummings Highway, 37419
- Donnie’s Auto Sales, 3900 Rossville Boulevard, 37407
- Cortner Auto Sales, 4905 English Avenue, 37407
- C & C Motors, 3004 Calhoun Avenue, 37407
- Airway Auto Sales & Service, 4850 Brainerd Road, 37411
- Car Exchange, 1301 Stuart Street, 37406
- Capital Toyota Inc., 5808 Lee Hwy, 37421
- Interstate Auto Sales, 4410 Rossville Boulevard, 37407
- Best Motors, 221 West 20th Street, 37408
- Fastech, 5716 Lee Highway, 37421
- HUBB Motor CO, 4316 Dodds Avenue, 37407
- Bud’s Pit Stop Motor Company, 5912 Lee Highway, 37421
- Ideal Motors, 2405 Dayton Boulevard, 37415
- Cornerstone Autobrokers, 5714 Lee Highway, 37421
- Janda Automotive, 1000 Dayton Boulevard, 37405
- East Brainerd Auto Sales, 6355 East Brainerd Road, 37421
- Bulldog Motors LLC, 3323 Ringgold Road, 37412
- J W Motor CO, 3802 Rossville Boulevard, 37407
- Mtn View E-Z Auto Sales at 153, 5960 Shallowford Rd, 30750
- B & R Automotive, 2888 Rossville Blvd, 37363
- C & C Motors, 6600 Ringgold Rd, 30757
- Mountain View Nissan, 2100 S Market St, 37414
- Mountain View Chevrolet, 310 E 20th St, 37414
- C & C Motors, 6015 International Dr, 923
- I-Deal Motors, 2405 Dayton Blvd, 923
- B & F Auto Sales & Parts Incorporated, 55 Workman Rd, 923