Frequently Asked Questions About Bad Credit in Tucson

How much can I get pre-approved for?

The loan amount that you will get pre-approved for is based on a number of factors. You may, however, get a general idea of the amount by first determining your credit profile.

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When I qualify, how much down payment money will I need?

The down payment money amount that you will need is based on a number of factors. You may, however, get a general idea of the amount by first determining your credit profile and then using our money down estimator.

What are the monthly payments?

Monthly payments are based on your credit profile and the vehicle you are purchasing.  Newer, lower mileage cars qualify for extended terms. The best payments are on less expensive cars that have under 50,000 miles. If you have an idea of the amount you want to finance and the interest rate you will qualify for use our Payment Calculator to estimate your payments.

What are the interest rates?

A very good question for which there is not a direct answer. Rates are based on your credit profile and the equity position of the loan. Auto Credit Express is full spectrum. We will get you the best rate based on your credit profile. The higher your credit rating and down payment the lower your rates will be. Also, the model year of the vehicle plays an important role. Rates generally increase 1 point per model year. The older the car, the higher the rate.

Will my trade qualify for money down?

Yes! Additional money, however, may be required if there is a lien on the automobile that you are trading.

Will inquiries affect my credit rating?

If you're shopping around for an auto loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted negatively by creditors. For this reason, too many inquiries can actually make getting an auto loan more difficult.

Will Cosigners help me get pre-approved?

A Cosigner may be considered for a Buyer who does not comply with all the credit requirements.  The income of the Buyer, however, must meet all the income and budget guidelines without reliance upon the income of the cosigner.

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