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Hoping to get a car financed in La Crosse? Whether your loan gets funded or not will depend on a range of factors, which include your credit score, monthly income, location, job security, cash or trade, and loan to value ratio. We make it possible to secure financing online, at an affordable rate, even when your credit isn’t ideal. Finance companies and dealerships will vie for your business in real time, putting you behind the wheel of the financing process.

Car Loan Rates in La Crosse

What will your APR be? Truth be told, your rate of interest differs widely based on your credit, plus a number of other factors. The rates displayed below are only for informational purposes. They aren’t advertisements, and your exact rate will vary.

FICO Score New Car Pre-owned Car
Excellent 3.3% 3.4%
Good 4.7% 4.8%
Average 6.7% 7.0%
Subprime 9.8% 10.4%
Bad 14.7% 16.2%
Very Bad 14.8% 17.8%

Knowing your credit rating can prevent you from being overcharged. You should check your score here online.

Used Car Loans in La Crosse

You will find that lenders charge slightly more expensive rates for used vehicles. Nevertheless, financing a used car is a better value, considering that the overall cost will be significantly less. You can finance a low-mileage pre-owned car or truck for a small fraction of what it costs to finance a new one.

Years Old Price Rate Months Payment Interest Total
New $20,600 6.00% 60 $398.26 $3,295 $23,895
1 Year $16,480 7.50% 60 $330.23 $3,334 $19,814
2 Years $14,008 7.50% 60 $280.69 $2,833 $16,841
3 Years $11,907 7.50% 60 $238.59 $2,408 $14,315

The moment it leaves the dealership, a new car loses up to one quarter of its value, and it keeps depreciating year after year. A car or truck that cost $20,600 when new will only be worth $11,907 after three years of ownership. Finance companies charge higher rates of interest for pre-owned vehicles, but in many cases, you only need 10% down, and the insurance costs are cheaper.

Poor Credit Car Loans in La Crosse

Are you struggling with a credit rating of less than 620? When determining your interest rate, loan providers review your history of payments on past auto loans and leases. Before the net, you didn’t have much option but to agree to whatever rate of interest and terms you were given. Today, there are better ways to get financed.

It is best to avoid turning to a no credit check car lot. These buy here pay here dealerships are notorious for consumer abuses. While you should have no problem with respect to approval, you’ll pay a king’s ransom for the privilege. If at all possible, you want to get your loan through one of the following loan providers:

  • Regional or local bank.
  • Credit union you can join.
  • Automobile finance company.

A dealership or finance expert will help you get financed through one of these lenders. The rates will be cheaper, the terms significantly better, and you have the opportunity to re-establish your credit along the way.

Best of all, you can submit your application online.

Zero Down Car Loans in La Crosse

The down payment you need to finance a new car can be as much if not more than the cost of a used vehicle. The truth is, getting a car loan with no down payment is sometimes hopeless. Lack of a down payment increases your interest rate. For people with top notch credit, this isn’t so much a concern, as your rate won’t go up all that much. If you’ve got bad credit, on the other hand, your rate could really increase. You are better off saving for a down payment or trading your existing vehicle for equity.

La Crosse Resources

Credit Unions


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Street address,Zip Code,Phone” data=”Advantage Credit Union,600 3rd St N #200,54601,(608) 782-4062,Advantage Credit Union,929 State St,54601,(608) 784-7329,Altra,2715 Losey Blvd S,54601,(608) 787-4500,Altra,28 Copeland Ave,54603,(608) 787-4500,Altra Federal Credit Union,1801 Losey Blvd S,54601,(608) 788-4848,Community,PO Box 39,54602,(608) 779-2400,Community,3130 South Ave,54601,(608) 779-2400,Community,311 Main St,54601,(608) 779-2400,Dairyland Power,3200 East Ave S,54601,(608) 787-1283,Firefighters,525 5th Ave S,54601,(608) 784-9480,Franciscan Skemp,605 West Avenue S,54601,(608) 785-0377,Franciscan Skemp Credit Union,700 West Avenue S,54601,(608) 785-0377,Governmental Employees,225 La Crosse St,54601,(608) 785-7720,Gundersen Lutheran Credit Union,1900 South Ave,54601,(608) 775-4715,La Crosse Area Postal,PO BOX 13,54602,(608) 784-2499,La Crosse Area Postal,425 State St,54601,(608) 784-2499,La Crosse-Burlington,1735 Credit Union Ct,54603,(608) 781-5040,Marine,1500 Ranger Dr,54603,(608) 783-4321,Marine,127 West Avenue N,54601,(608) 784-7329,Postal Credit Union,425 State Street Rm 226,54601,(608) 784-2499,River City Community,PO BOX 3088,54602,(608) 782-5050,River City Community,1009 4th St S,54601,(608) 782-5050,Xcel Energy Employees Credit Union,3215 Commerce St,54603,(608) 789-3671″][/tboot_table]