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Auto Loans in Lafayette (LA)

Want to find an auto loan in Lafayette, Louisiana? Yes, lots of banks have stiffened up their credit guidelines, but there are loan companies who want your business – we can help you track them down. Applying for your Louisiana auto loan no money down is required.

Approval And Annual Percentage Rate

  • Average Lafayette Income: $1,132 Monthly
  • Average LA Credit Rating: 663

Most auto loan companies require that you hold a steady job with $1500 income a month, and your total monthly debt, including your new loan, should not surpass one half of your earnings. In Lafayette, Louisiana, this comes out to $566, on average.

Even when you don’t meet these prerequisites, you might be able to qualify by taking one or more of these steps:

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  • Have Somebody to Co-sign
  • Provide a Vehicle in Trade
  • Supply a Larger Down Payment
  • Opt for LA BHPH Loans.

Used Auto Car Loans: Lafayette (LA)

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When it comes to Louisiana auto loans, it’s best to invest just 18 to 20 percent of your regular monthly wages for such things as:

  • Car Payments
  • Repairs and Maintenance
  • Fuel

If you earn $13,587 annually, the Lafayette average, this comes out to $204-$226 each month. Allocating more than this will risk your financial circumstances. Getting auto loans for used cars is most advantageous; after all, new cars and trucks drop in value too quickly to be a good purchase.

Auto Loans with Bad Credit: Lafayette, Louisiana

Buying a car or truck with bad credit was never so easy. Below are credit ratings in LA overall:

  • Average LA FICO Score: 663
  • Credit Score Viewed as “Poor”: under 620

If you have less-than-perfect credit, Car Loans Louisiana offers access to loan companies who grant Louisiana bad credit auto loans each and every day. Almost all loan creditors require consumers who have poor credit to have a regular income of $1500 a month, at minimum, and a maximum of $750 per month in debt payments (including your auto loan).

Tote The Note Car Lots: Lafayette (LA)

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Searching for buy here pay here dealerships in Louisiana? Before you decide on an in house financing car loan, we hope you apply online for auto financing with bad credit in Lafayette, LA.

When it comes to buy here pay here car lots, referred to as no credit check or your job is your credit dealerships, your auto loan originates from the dealer directly. In other words, these locations provide in house financing automobile financing to Louisiana applicants who’ve got poor credit. These auto loans are often granted without a credit check.

Alas, they have some major disadvantages:

  • Inflated Apr
  • Aggressive Lending Tactics
  • Hefty Down Payment Requirements
  • Cars With Lots of Miles

But don’t worry, you may be able to get approved for the auto loan you want without turning to buy here pay here financing. Unsure what type of car to purchase? Have a look at this article about cheap used cars in Louisiana.

Dealer Loans in Lafayette (LA)

  • Used Cars of Acadiana, 2604 Ambassador Caffery Pkwy, 70506
  • Affordable Paint & Body Centers, 1505 N Bertrand Dr, 70506
  • Hub City Ford Inc, 2909 NW Evangeline Trwy, 70501
  • K P’S Auto Sales, 4009 Cameron St, 70506
  • Don’s Wholesale, 4118 Cameron St, 70506
  • Cain’s Auto Sales, 2405 Cameron St, 70506
  • Ambassador Motors, 2600 Ambassador Caffery Pkwy, 70506
  • Ben’s Wholesale, 1220 W University Ave, 70506
  • Samir Auto Sales, 3101 Cameron St, 70506
  • Leger Auto Sales & Salvage, 924 W Butcher Switch Rd, 70507
  • T & T Auto Sales, 401 East 3rd Street, 70501
  • Johnston Street Auto Sales, 5503 Johnston Street, 70503
  • S and S Auto Sales, 2327 Cameron Street, 70506
  • Quality Imports, 3430 West Pinhook Road, 70508
  • Bertinot’s Automotive Inc, 416 Bertrand Drive, 70506
  • Jagneaux’s Auto Sales, 1915 Carmel Avenue, 70501
  • Automobile Financing by Giles, 6902 Johnston Street, 70503
  • Motor City, 1909 Johnston Street, 70503
  • Legacy Motors, 500 West Congress Street, 70501
  • K & A Company, 209 Plateau Road, 70508
  • Hampton Toyota, 6191 Johnston St, 70503
  • Schoeffler Cadillac Inc, 1400 Surrey Street, 70501
  • Affordable Cars, 3439 West Pinhook Road, 70508
  • Lafayette Motor CO Inc, 1515 Jefferson Street, 70501
  • Rabeaux’s Auto Sales Inc, 6882 Johnston Street, 70503
  • Coachs Auto Sales, 3609 Cameron Street, 70506
  • Don’s Wholesale, 1904 Ambassador Caffery P, 70506
  • Leblanc Auto Wholesale, 131 Veterinarian Road, 70507
  • Stanford Used Cars, 117 Caillouett Place, 70501
  • LA Motors Premium Used Cars, 4010 Ambassador Caffery P, 70503
  • Car Connection, 3210 Johnston Street, 70503
  • Action Auto Sales, 804 Northwest Evangeline Trwy, 70501
  • Bruce’s Auto Sales Inc, 1413 Jefferson Street, 70501
  • Creole Motors, 108 West Simcoe Street, 70501
  • Lafayette Imports, 500 West Pinhook Road, 70503
  • Holbrook Multi Media Inc, 7 Flagg Place, 70508
  • Donald’s Auto Sales, 3906 Moss Street, 70507
  • Autoplex 2000, 6904 Johnston Street, 70503
  • Cars R US, 1820 West Pinhook Road, 70508
  • Travis Exploration & Development, 6191 Johnston Street, 70503
  • Mack’s Used Cars, 4559 Johnston Street, 70503
  • Acadiana Cars & Trucks, 2806 West Pinhook Road, 70508
  • Quality Motors, 4210 Cameron Street, 70506
  • Mick’s Horseless Carriages, 303 Macon Road, 70506
  • Used Car Factory, 2821 Verot School Road, 70508
  • Midcity Motors, 3916 West Congress Street, 70506
  • L A Auto Sales, 1901 Carmel Avenue, 70501
  • Millennium Motor Car CO, 101 Board Road, 70508
  • All Premier Auto Sales Inc, 3302 Johnston Street, 70503
  • Moss Motors, 1401 Surrey Street, 70501
  • Comeaux’s Used Cars, 2010 Cameron Street, 70506
  • Hampton Mitsubishi, 4895 Johnston Street, 70503
  • Executive Auto Sales, 4701 Johnston Street, 70503
  • Infiniti of Lafayette, 6866 Johnston Street, 70503
  • A and J Auto Sales, 2601 Southeast Evangeline Trwy, 70508
  • Brad’s Auto Sales Inc, 430 Huval Street, 70501
  • Cajun Corner Cars, 227 Fallis Road, 70507
  • Lafayette Autoplex, 1923 Verot School Road, 70508
  • Thrifty Car Sales, 600 Southwest Evangeline Trwy, 70501
  • Priceless Auto Rental, 4480 Johnston Street, 70503
  • Duke’s, 418 Duhon Road, 70506
  • Southside Auto Plaza, 2806 Johnston Street, 70503
  • Service Chevrolet, 4313 Cameron Street, 70506
  • Allen Jagneaux’s Tire Service, 1509 Moss Street, 70501
  • Ace Tire Service, 314 Lajaunie Road, 70501
  • Bordelon’s Auto Sales, 1207 Jefferson Street, 70501
  • Moss Motors, 2100 Surrey Street, 70508
  • Cajun Cars & Trucks, 3231 West Pinhook Road, 70508
  • Affordable Used Cars, 2045 Northwest Evangeline Trwy, 70501
  • Don’s Sports Imports, 2520 Ambassador Caffery P, 70506
  • Moss Motors, 4603 Johnston Street, 70503
  • Z Best Cars, 2045 Nw Evangeline Thwy, 70582
  • Giles Nissan, 6137 Johnston St, 923
  • A & J Auto Sales, Incorporated, 2601 Se Evangeline Thwy, 923
  • Service Chevrolet, 4313 Cameron St, 70510
  • Acadiana Dodge Incorporated, 1900 Sw Evangeline Thwy, 70510
  • Sterling Kia- New & Used Cars, 1111 N University Ave, 70510
  • Moss Motors, 1456 Surrey St, 70510
  • Schoeffler Cadillac Incorporated, 1400 Surrey St, 70510
  • C & C Autobrokers, 434 Planters Row, 923