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For lots of individuals, getting a loan is the main obstacle to obtaining the car they desire. Unfortunately, getting approved for this kind of loan can be a tedious process, prolonging the whole car shopping process. The good thing is, it’s easy to request financing through our site, saving yourself a great deal of time and effort.

An auto finance professional can walk you through the process, helping you get a loan from a lender that offers reasonable rates of interest.

Car Loan Rates in Ft Worth

These rates are not anything but estimates to give you an understanding of what rate to expect given where you live and your FICO score. Your exact interest rate will be determined by various factors, which include loan company, down payment, average income, length and type of loan, and much more.

FICO Rating New Car Used Car
Excellent 3.3% 3.6%
Good 4.5% 4.7%
Average 6.3% 7.0%
Subprime 9.3% 9.5%
Bad 13.2% 13.7%
Very Bad 14.1% 15.8%

You really should know what your credit score is. We advise this site, where you can check your score at no cost.

Used Car Financing in Ft Worth

New cars are tempting, beyond doubt. If wealth-building is important to you, however, you might want to go with a second hand car. Have a look at the chart below.

Years Old Price Rate Months Payment Interest Total Cost
New $32,250 6.00% 60 $623.48 $5,159 $37,409
1 Year $25,800 7.50% 60 $516.98 $5,219 $31,019
2 Years $21,930 7.50% 60 $439.43 $4,436 $26,366
3 Years $18,641 7.50% 60 $373.52 $3,771 $22,411

As you can see, the car bought new for $32,250 will only be worth $18,641 after 36 months of ownership. Here are the most popular restrictions on used vehicle financing:

  • Car no older than 7-10 years.
  • Mileage no more than 100,000 miles.
  • Bought through dealer, not private party.

Bad Credit Car Loans in Ft Worth

Nowadays, poor credit isn’t uncommon. The better your credit, the lower your rate of interest. Previous generations had to go from one dealership to another, hunting for one prepared to offer them financing. Fortunately, modern innovation has streamlined most of this groundwork.

Countless shoppers with credit problems end up at one of Ft Worth’s buy here pay here dealerships. These sellers grant financing on the spot, with no credit assessment. The disadvantages are sizeable: excessive interest rates and lots of stipulations.

You will be happier getting financed by a bank, credit union, or loan company. The down payments are more affordable, as well as the loan rates, and the service is typically a good bit superior.

Contact an auto finance professional in your area today.

Zero Down Auto Loans in Ft Worth

Often people don’t understand that, more often than not, you need some cash in your bank account to get financed. No money down auto loans, like zero percent financing specials, are usually offered only to consumers who’ve got outstanding credit. Assuming you have weak credit, there’s just one real alternative: find a dealership that welcomes trade-ins, and check if they’ll take your existing car in lieu of a down payment.

Ft Worth Resources

Credit Unions

Credit UnionStreet addressZipTelephone
Alcon Employees6201 South Fwy76134(817) 551-8495
All Saints Catholic214 NW 20th St76164(817) 626-4681
American Airlines4151 Amon Carter Blvd76155(817) 931-3912
American Airlines4700 American Blvd76155(817) 967-6550
American Airlines4601 Hwy 36076155(817) 967-5357
American Airlines4333 Amon Carter Blvd Rm 1E1A0676155(817) 963-2214
American AirlinesAlliance Airport 2221 Alliance Blvd # 10076177(817) 224-0316
American AirlinesAmerican Airlines Credit Union76155(817) 931-3912
Auto Parts Employees1216 Everman Pkwy76140(817) 293-8412
Ben E Keith Company EmployeesPO Box 262876113(817) 877-5700
Ben E Keith Company Employees601 E 7th St76102(817) 877-5700
Corps Of EngineersP O Box 1763076102(817) 332-8611
Corps Of Engineers819 Taylor St #20176102(817) 332-8611
Eecu1617 W 7th St76102(817) 882-0000
Eecu6049 S Hulen St76132(817) 882-0250
Eecu301 NW 28th St #12176164(817) 882-0430
Eecu9350 Clifford St76108(817) 882-0496
Engraving And Printing9000 Blue Mound Rd76131(817) 847-3903
Family 1St Of Texas3501 Western Center Blvd76137(817) 847-8992
First Class American2595 Polaris Dr76137(817) 834-9777
Fort Worth CityPO Box 10009976185(817) 732-2803
Fort Worth City2309 Montgomery St76107(817) 732-2803
Fort Worth Community6720 S Hulen St76133(817) 835-5650
Fort Worth Community3616 Altamesa Blvd76133(817) 835-5000
Fort Worth Community6454 Brentwood Stair Rd76112(817) 835-5000
Fort Worth Community819 Taylor St76102(817) 335-3815
Fort Worth Community2601 Meacham Blvd76137(817) 222-4478
Fort Worth TelcoPO Box 248476113(817) 332-4131
Fort Worth Telco1120 Summit Ave76102(817) 332-4131
Guardian First7 Carlson Ct76119(817) 534-8707
H-F EmployeesPO Box 247776113(817) 297-2211
Highway District 2P O Box 33093276163(817) 346-4920
Highway District 25150 Trail Lake Dr76133(817) 346-4920
Ibew 116603 S Adams St #10a76104(817) 335-3658
Member Preferred340 S Blue Mound Rd #34276131(817) 222-2288
My4444 South Fwy76115(817) 921-9093
Natural Resources Conservation ServP O Box 656776115(817) 921-9302
Natural Resources Conservation Serv501 W Felix St76115(817) 921-9302
Navy Federal Credit Union1102 Green Oaks Rd76116(888) 842-6328
Tarrant County200 Taylor St #21576102(817) 884-1470
Tcc4312 Town Center Dr76115(800) 256-0779
Texas People4613 Wellesley Ave76107(817) 731-2756
Unity One6701 Burlington Blvd76131(817) 306-3100
Unity One2625 N Main St76164(817) 306-3100
Unity One4625 N Tarrant Pkwy76244(817) 306-3100