You Don't Have to Take the Trolley or Train Anymore!
In a busy and flourishing city like Seattle, anyone who goes to school, work or has errands to run every day will find it hard to move around the city without their own car. And just like in many cities in Washington, a car is a necessity in Seattle.
Seattle Auto Loans knows that. That’s why we’re here.
We make it possible for you to have your own set of wheels by getting you in a good auto loan deal.
If you think your credit doesn’t look good, there’s nothing to worry about. With guaranteed acceptance and 98% approval rate, Seattle Auto Loans will help you get an auto loan even if you have a bad credit, no credit, or bankruptcy and repossession records.
All you have to do is fill out our application form designed for easy and quick processing. Hit the submit button and you’ll get a decision in only a few minutes.
Want to learn more about Seattle Auto Loans? We encourage you to see our FAQ page. For further queries, feel free to contact us by filling out the contact form in the Contact Us page or sending us an email.
A Seattle resident? Been wanting to drive around Seattle with your own set of wheels? Looking for a great auto financing deal to make that possible? If your answers are all yes, GET APPROVED TODAY!
Whether you are a student or hard at work each day, owning your own vehicle can make life a lot easier. Unfortunately, getting an auto loan in Seattle WA can seem difficult if not impossible for many people. Perhaps you have made credit mistakes in the past or have no credit history at all. That is where Seattle Auto Loans comes in. We make it easy for people just like you to get the auto financing you need.
Seattle Car Loans for All Credit Levels
The auto loans Seattle residents have available to them are numerous, and it is our job to pair you the borrower with the ideal lender. If you have perfect credit, we can help. If you have less-than-perfect credit, we can help. Some of the specialized Seattle car loans we can facilitate include:
- No credit loans
- Bad credit loans
- Bankruptcy credit loans
- Repossession credit loans
No Credit Loans
Having no credit at all can sometimes seem more difficult than having blemishes on your record. At least bad marks show that you are moving forward. Having a so-called thin file is not ideal but also not a deal-breaker. A cosigner is an option, but even without one, we have partners that can facilitate an auto loan in Seattle WA to borrowers who have little credit history or none at all.
Bad Credit Loans
Possessing poor credit is not the obstacle many think it is. What is more important than the financial mismanagement in your past is how you have moved forward. Creditors are attracted to borrowers who are making the effort now to have strong credit. The longer it has been since your financial troubles, the more favorable the terms of the Seattle car loans available to you will be.
Bankruptcy Credit Loans
A bankruptcy will remain on your credit report for 7-10 years. If you have recently filed for bankruptcy, a loan may be the last thing you want, but you still have to get to work or school. We have lenders in our network that cater to borrowers with bankruptcies on their records through subprime loans.
Repossession Credit Loans
The auto loans Seattle residents have able to them even extend to those citizens who have had a vehicle repossessed even recently. The repossession is not in and of itself a deal-breaker, and lenders will look at your credit history much the way that they would anyone with less-than-stellar credit.
How Is Your Credit?
Many people who need an auto loan are concerned about being denied without even knowing what their credit reports say about them. It is important to know what your credit score is and how far back any bad marks are so that you know which options are available to you.
Free Credit Reports
Seattle Auto Loans helps our prospective clients get their credit reports free of charge and without obligation. You can request that information right here on our site, and once you have that data, you will have a better idea of how to move forward.
Soft Credit Inquiries
When a lender checks your credit, it can either be a hard pull or a soft pull. Hard inquiries can affect your credit score, but soft inquiries do not. In getting pre-approval from us, we will only perform a soft pull. Hard pulls are reserved for finalizing the loan.
Auto Loans for All Cars
Dreaming of a particular car or a brand new truck? Make those dreams a reality. Our network does not attempt to shoehorn borrowers into particular vehicles. This is a tactic you will often experience locally through car lots that offer pay here options but not with us!
Many Types of Auto Loans Available
Borrowers often vary greatly from one to the next. The good news is that so do lenders and auto loans. We can pair you with an auto loan in Seattle WA that is not only ideal for your current credit situation but also your budget, vehicle preferences, long-term financial goals and so on and so forth.
Low Down Payments
Many people with bad credit are worried that their initial down payments will be exorbitant, but that is rarely the case. Subprime lenders understand the practical aspects of these financial situations and tailor their requirements accordingly.
We pair borrowers with prime lenders. Prime loans give you access to the most favorable interest rates and other loan features. Our network also specializes in subprime loans, which are geared toward people with poor credit histories or thin files.
Deep Subprime Loans
The credit score cutoff for subprime loans can vary but is usually around 500. What happens if your credit score is below that mark? Some of our partners specialize in what are known as deep subprime loans. These may carry with them a couple more interest rate points, but they are available to consumers with a credit score as low as 300 and perhaps less.
Alternatives for Borrowers with Poor Credit
Consumers who cannot get an auto loan directly through a bank need an alternative. At Seattle Auto Loans, we are proud to be the best of those alternatives online and in the Greater Seattle area. Of course, we are not the only option, but many of those other choices are not consumer-friendly.
Buy Here Pay Here Dealerships
BHPH is an auto industry acronym for buy here pay here. BHPH dealerships often do not care about your credit score or history at all. Sounds good, right? Wrong! They determine what you can afford and guide you toward vehicles that will maximize that amount for them. You pay in installments, and end up paying much more than book value over the long run.
Rent-to-Own Car Lots
RTO car lots work a lot like rent-to-own appliance stores. You end up paying more in the end, and that markup is significant when dealing with a car. In addition, since you are renting, the car lot has broad legal rights, including the right to use LoJack and track your car.
In-house financing is similar to BHPH with the difference being that the loan is facilitated through a bank or other financial institution. The biggest problem with in-house financing is that you get a single offer whereas you get the best offer of many through a network such as ours.
Tote the Note Dealerships
Tote the note is a slightly different take on BHPH. You will likely be approved and the dealer has great versatility to lend to you. But you can guarantee that you are going to be paying the very highest rates allowed for a subprime or deep subprime loan.
Auto Loan Approval
Getting approval for Seattle auto loans does not have to be hassle. Auto Loans Seattle makes it simple and convenient to get financing for the car or truck you want regardless of your financial history:
- Get a free credit score
- Fill out our brief form
- Pick your car or truck
- Get approval in seconds
Your Dream Car Today
Seattle Auto Loans is a premier provider of auto loans online. We cater to car buyers in Seattle and throughout the neighboring communities. Fill out our short form for fast approval, and feel free to contact us with any questions that you may have.