How would you like to find an auto loan in Lake Charles, LA with bad credit or zero down? At Car Loans Louisiana, we can help you get your credit approved after as little as a day. What do we charge our users for our services? Absolutely nothing.
Auto Finance Basics
- For starters, you will need to apply online.
- We will try to place your application with the best Louisiana car loan lender for your location, income, and down payment.
- If pre-approved, a special finance manager will contact you by telephone or email.
- Finalize your auto financing documentation and choose your car from a nearby car dealership.
Follow through to submit your application online.
Income and Credit Ranking
- Average Lake Charles Income: $1,390 Monthly
- Average LA Credit Score: 663
For the most part, car loan providers require that you earn no less than $1500 income per month. In addition, your level of existing debt, inclusive of your car loan, should not be more than 50% of your wages. In Lake Charles, Louisiana, this rounds out to $695 (average).
Even when your income or credit doesn’t meet the aforementioned criteria, you might be able to meet the requirements in one of the following ways:
- Provide Someone to Co-sign
- Offer More Money Down
- Trade in an Existing Car or Truck
- Go with Buy Here Pay Here Financing.
When it comes to Louisiana car loans, you should invest no more than one fifth of your regular monthly income for installment payments, fuel, and repairs. For the typical Lake Charles resident, this equates to $250 to $278 per month. Forking out more than this will endanger your financial circumstances. Going with an auto loan for a used car is preferable, at least as a general rule. New cars lose value too soon to be a smart financial investment.
Bad Credit Auto Loans: Lake Charles (LA)
Have bad credit?
When you need an auto loan in Lake Charles, LA with bad credit, we can help you find loan providers who don’t instantly reject people with credit scores of less than 620. Click here to apply online.
Most car loan websites explain how all applicants are approved, which is simply not the case. Here are the facts: we get 35-40% of our candidates pre-approved for bad credit car financing in Lake Charles, Louisiana.
Buying a Car With No Credit Check: Lake Charles, LA
Trying to find a buy here pay here dealership in Louisiana? If you’re thinking that your only option is an in house financing auto loan, we encourage you to apply online for auto financing with bad credit in Lake Charles, LA. These dealers have a few different names:
- Your Job is Your Credit Car Lots
- In House Financing Car Lots
- Bad Credit Car Lots
To some shoppers, getting their auto loan without a credit check may seem like the way to go. Regrettably, you’ll want to take into consideration a few significant downsides. The interest rates and money due at signing are higher than average; on top of that, it will be really difficult to to improve your credit rating through this kind of a dealer.
Make sure to look into any LA buy here pay here dealer on the internet. Be sure to talk to somebody who has purchased a car or truck from them before, and determine if they would recommend them.
Lake Charles (LA) Used Car Lots That May Offer Car Loans
- McFillen Rent A Car, 501 Alamo St, 70601
- Autoplex 2000 Moss Bluff, 460 U.S. 171, 70611
- J W’S Auto Sales, 2220 Broad St, 70601
- Mitsubishi of Lake Charles, 1600 Siebarth Dr, 70615
- Southside Wholesale Company, 4033 Common St, 70607
- R & R Auto Sales, 101 West Prien Lake Road, 70601
- Plaza Auto Mart, 212 Highway 171, 70611
- Bill Bailey’s Affordable Auto Sales Inc, 2528 Kirkman Street, 70601
- Ron’s Auto Sales, 700 South Martin Luther King H, 70601
- Gold Star Cadillac Isuzu – Used Car Sales, 2616 Ryan Street, 70601
- Prien Lake Motors, 1011 East Prien Lake Road, 70601
- Navarre Billy Chevrolet Hyundai, 1300 East College Street, 70607
- Shetler Lincoln Mercury Limited – Used Cars, 3201 Gertsner Memorial Drive, 70601
- Bobby Lafleur Auto Sales, 480 North Highway 171, 70611
- Allen’s Used Cars, 2316 Kirkman Street, 70601
- Brooks Used Cars, 1707 Broad Street, 70601
- Martin Pontiac GMC, 2948 Highway 90 East, 70615
- Bayou State Auto Sales, 5604 Gerstner Memorial Boulevard, 70607
- A B’S Auto Sales, 1913 Opelousas Street, 70601
- Hodges Motors, 2419 Hodges Street, 70601
- Lake Charles Toyota, 3601 Highway 14, 70607
- American Auto LLC, 4521 North Highway 171, 70611
- Lake Charles Auto Plaza Inc, 1500 East Prien Lake Road, 70601
- Lake Charles Toyota, 1922 Sam Houston Jones Park, 70611
- Paw Paw’s Used Cars, 429 South Martin Luther King H, 70601
- B & B Auto Sales, 2701 Kirkman Street, 70601
- 3 Brothers Used Cars, 3115 Common Street, 70601
- Strickly Imports, 4452 Ryan Street, 70605
- U-Save Auto Rental, 1700 East Prien Lake Road, 70601
- Thibodeaux J P Mitsubishi-Nissan Used Cars, 1410 East Prien Lake Road, 70601
- No Fear Auto, 2112 East Prien Lake Road, 70601
- Blanchard Randy Auto Sales, 1730 East Prien Lake Road, 70601
- McCullough BROS Used Cars, 2739 Highway 3059, 70615
- George’s Auto Sales, 1000 Gertsner Memorial Drive, 70601
- Fountain Auto Sales No 2, 2001 Gertsner Memorial Drive, 70601
- Select Used Vehicles, 2616 Lake Street, 70601
- Autoplex 2000, 1200 East Prien Lake Road, 70601
- Affordable Consignment Auto Sales, 2101 Gertsner Memorial Drive, 70601
- B & L Truck & Auto, 5845 Highway 3059, 70615
- Lake City Auto Sales, 2201 North Highway 171, 70611
- Mark’s Truck & Auto, 1671 Ira Breaux Road, 70615
- Contraband Auto Sales 2, 1501 East Prien Lake Road, 70601
- Mike Stutes Auto Sales, 617 North Highway 171, 70611
- First Choice Auto Sales, 2749 Gertsner Memorial Drive, 70601
- Variety Auto Sales, 6675 Highway 90 East, 70615
- McNeese Auto Outlet, 803 East McNeese Street, 70607
- Tony Tramonte Auto Sales, 4346 Lake Street, 70605
- Harvest Motors, 4229 Common Street, 70607
- Great Louisiana Purchase, 1938 Broad Street, 70601
- Bill Bailey’s Affordable Auto Sales Inc, 2122 Enterprise Boulevard, 70601
- W C Autos, 2205 Kirkman Street, 70601
- T & T Motors Inc, 3724 North Highway 171, 70611
- Nissan of Lake Charles, 1700 Siebarth Dr, 923
- Billy Navarre Chevrolet, 1310 E College St, 923
- Mark Dodge, 3777 Gerstner Memorial Blvd, 70630
- B & B Auto Sales, 2701 Kirkman St, 923