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Many of us purchase our cars via financing, as it makes for affrodable monthly payments. It’s possible to arrange your auto loan on the lot; however, this can take a few hours of time. The good thing is, it’s simple to submit an application on the web, which should save you a lot of time and aggravation.

Let an auto finance professional in Jefferson City help you get approved for your car loan, answering your questions at the same time.

Car Loan Rates in Jefferson City

Please keep in mind that the rates below aren’t advertisements, but estimates at the time of publication. Exact rates vary.

FICO Score New Car Pre-owned Car
Excellent 3.3% 3.5%
Good 4.7% 4.8%
Average 6.8% 7.8%
Subprime 9.1% 10.3%
Bad 13.0% 13.7%
Very Bad 13.5% 14.9%

It’s smart to know what your credit score is before you ever get financed. You can check your score here.

Used Auto Loans in Jefferson City

You’ll find that it costs a little more to finance a pre-owned car, at least when it comes to rate of interest. However, pre-owned cars and trucks are more economical in the long run, and they depreciate less. Take a look at the comparison below, depicting the costs associated with car loans for brand new versus used cars and trucks.

Years Old Price APR Months Payment Interest Total
New $19,400 6.00% 60 $375.06 $3,103 $22,503
1 Year $15,520 7.50% 60 $310.99 $3,139 $18,659
2 Years $13,192 7.50% 60 $264.34 $2,668 $15,860
3 Years $11,213 7.50% 60 $224.69 $2,268 $13,481

Are you interested in a used car or truck? Most of the time, you can get a car loan for a car that is up to ten years old. Mileage limits may apply.

Poor Credit Auto Loans in Jefferson City

Bad credit has become a major impediment for the consumers of Jefferson City and Missouri as a whole. In effect, your credit score is used a barometer of risk. Most of the time, it’s best to speak with someone familiar with the process.

Many people end up going to buy here pay here dealerships in Jefferson City that don’t check a customer’s credit. Yes, your credit will not be a concern at such a place, but you will end up shelling out a ton in interest for a high mileage vehicle. You should stay away from these car lots if possible, getting a car loan online. A traditional loan provider will report to the credit agencies, which means your credit score will improve if you make your payments on schedule.

Contact an auto finance professional in your area today.

Zero Down Cars in Jefferson City

Are you hoping to purchase a car in Jefferson City with no money down? If you’ve got superior credit, a lot of banks will do away with the down payment requirement. If your credit isn’t but average, however, a down payment of 10-20% is normally needed. By submitting an application online, you may maximize your chances of locking down such a package. Finance companies and car dealers can view what you want your down payment to be upfront. If you leave the down payment field empty, the finance consultant will get it.

Jefferson City Resources

Credit Unions


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Street address,Zip Code,Telephone” data=”Central Electric,P.O. Box 269,65102,(573) 761-2888,Conservation Employees,PO Box 180,65102,(573) 522-4000,District 5 Highway,1511 Missouri Blvd,65109,(573) 751-7706,Employment Security,PO Box 1828,65102,(573) 636-5338,Employment Security,400 E Miller St,65101,(573) 636-5338,Fedco,PO Box 658,65102,(573) 893-1474,Fedco,701 S Country Club Dr,65109,(573) 893-1474,First Financial,PO Box 104360,65110,(573) 636-9198,First Financial,3124 W Edgewood Dr,65109,(573) 636-9198,Health & Social Services Employees CU,1401 Southwest Blvd,65109,(573) 634-7661,J C Federal Employees Credit Union,1009 Madison St #3,65101,(573) 635-8263,J C Federal Employees Credit Union,1009 Madison St,65101,(573) 635-8263,Kilowatt Community,2422 Hyde Park Rd,65109,(573) 635-2685,Kilowatt Credit Union,1021 Southwest Blvd,65109,(573) 635-2685,Missouri Credit Union,910 Eastland Dr,65101,(573) 874-1477,Missouri Credit Union,1815 Southwest Blvd,65109,(573) 874-1477,Missouri Credit Union,3200 W Edgewood Dr,65109,(573) 874-1477,Missouri Baptist,400 E High St,65101,(573) 635-4428,Missouri Credit Union Association,223 Madison St,65101,(573) 636-1010,Missouri Electric Cooperatives Empl,P.O. Box 1586,65102,(573) 634-2595,Missouri Electric Cooperatives Empl,2722 E McCarty St,65101,(573) 634-2595,Mizzou Credit Union,820 Chestnut St,65101,(573) 681-5007,Personal Care America,2901 W Truman Blvd,65109,(573) 893-3040,Printing Crafts Credit Union,995 Diamond Ridge,65109,(573) 761-4460,River Region,3608 W Truman Blvd,65109,(573) 635-4185,River Region,2009 Schotthill Woods Dr,65101,(573) 635-4185″][/tboot_table]