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Are you interested in $0 down options?


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Get approved and drive within 24 hours – We find dealers in your area.

All Credit Accepted

Bad credit is accepted and minimum income needed is $1,500/month.

What are the average financial terms?

The duration of a loan will determine how long it will take to pay your financial contract. Generally, a lender will offer you a loan with a term of 36 to 72 months, which means that you will have three to six years to repay the price of your vehicle plus interest. Interest rates and terms offered may vary and are based on a number of factors, including your down payment and credit score.

It is important to understand that the term of your financial contract also has a role in determining your interest rate and therefore, how much will be the amount of your monthly payment. For example, a typical 60 month loan will have a higher interest than a 36 to 48 month loan, but will come with a lower monthly payment. The APR range is 3.49+% and the average interest rates are as follows:

36 Months: 3.71%
48 Months: 3.81%
60 Months: 3.93%
72 Months: 3.78%

The Perfect Car Spot

74 Elm St, West Springfield, MA 01089 #656 

MA 01090


The Perfect Car Spot