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Lots of men and women prefer to purchase their vehicles with an auto loan, making monthly payments as opposed to spending the entire amount right off the bat. Unfortunately, getting such a loan can be a major headache, especially if you’ve got less-than-perfect credit. Why spend your time applying for financing at the finance company or dealer when you can get approved right here through our site?

Lending companies and dealerships will fight to finance your credit, putting you behind the wheel of the approval process.

Auto Finance Rates in Wilkes Barre

Below we have rates of interest you can expect at varying credit scores. These are not to be viewed as advertisements. Precise rates vary.

Credit Rating New Car Used Car
Excellent 3.2% 3.6%
Good 4.4% 4.8%
Average 6.3% 6.8%
Subprime 8.6% 9.9%
Bad 12.0% 13.8%
Very Bad 13.2% 15.1%

Used Car Loans in Wilkes Barre

New cars and trucks have the most affordable rates of interest. Mind you, financing a second hand car or truck is a better value, considering that the overall cost will be substantially less. The numbers speak for themselves.

Years Old Price APR Months Payment Interest Total
New $20,900 6.00% 60 $404.06 $3,343 $24,243
1 Year $16,720 7.50% 60 $335.03 $3,382 $20,102
2 Years $14,212 7.50% 60 $284.78 $2,875 $17,087
3 Years $12,080 7.50% 60 $242.06 $2,444 $14,524

It’s possible to get a lot of car for the money if you aren’t afraid of a used car. Auto loans for used vehicles come with slightly higher interest rates, but in most cases, you only need 10% down, and the insurance premiums are less costly.

Bad Credit Car Loans in Wilkes Barre

Are you trying to finance a car from a dealer in Wilkes Barre with less-than-perfect credit? The better your credit score, the wider array of options you’ll have. In decades past, there weren’t very many auto finance companies who would approve people with non-prime credit. Now many finance companies, and even some banks and credit unions, have subprime finance units.

It’s best to avoid no credit check car dealerships. These buy here pay here dealers are infamous for consumer grievances. While you might not have problem getting financed, you’ll pay handsomely for the opportunity. More often than not, it’s better to find a local bank, credit union, or loan provider. This is how the majority of people get financed nowadays, and it’s significantly more economical over time.

Contact an auto finance professional in your area today.

Zero Down Financing in Wilkes Barre

Are you hoping to purchase your next vehicle in Wilkes Barre without a down payment? A lot of banks offer 100% financing, sometimes more, but they require first-rate credit on the part of the new owner. For people with poor credit, there’s only one main course of action: search for a car dealership that welcomes trade-ins, and check if they will accept your existing car as a down payment.

Wilkes Barre Resources

Credit Unions

Credit UnionStreet addressZipTelephone
Choice One CommunityP.O. Box 120518703(570) 823-7676
Choice One Community672 N River St18705(570) 823-7676
Choice One Community101 Hazle St18702(570) 823-7676
Corner Post566 S Main St18701(570) 823-6151
Cross ValleyPO Box 59718703(800) 548-2849
Cross Valley640 Baltimore Dr18702(800) 548-2849
Cross Valley1150 E Mountain Dr18702(800) 548-2849
Cross Valley280 N Sherman St18702(800) 548-2849
Cross Valley Federal Credit Union15 S Main St18701(570) 970-3903
Holy Rosary ChurchP. O. Box 53418703(570) 826-1660
Luzerne County200 N River St18701(570) 825-1790
Luzerne County20 N Pennsylvania Ave18701(570) 825-1790
Luzerne County Credit UnionCourt House Annex18701(570) 825-1790
Metro Wire Federal Credit Union17 E Carey St18705(570) 823-4092
N E Blue Cross Employees19 N Main St18701(570) 200-6551
P.G. & W. Emp.265 S Main St18701(570) 829-8882
Penn WilcoP.O. Box 123318703(570) 820-0400
Saint NicholasPO Box 121318703(570) 825-2640
Saint Nicholas254 S Washington St18701(570) 825-2640
Service 1St620 Baltimore Dr18702(570) 825-4808
Service 1St Federal Credit Union1000 E Mountain Dr18702(570) 826-7962
St Nicholas Federal Credit Union242 S Washington St18701(570) 825-2640
Vantage Trust881 Mundy St18702(570) 819-3337
Vantage Trust1111 East End Blvd18702(570) 824-5728
W-BeeP.O. Box 119418703(570) 825-9950
W-Bee87 N Main St18701(570) 825-9950
Wilkes- Barre City Employees40 E Market St18701(570) 826-8244
Tobyhanna880 Schechter Dr18702(866) 862-9328