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Car Loans – Eau Claire (WI)

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Looking for a car loan in Eau Claire, WI? Without a doubt, credit has been harder to get, but there are loan companies who really want your business – we can help you find them. Your privacy will be protected by SSL security.

Getting Approved

  • Average Eau Claire Income: $2,178 Per Month
  • Average WI Credit Rating: 699

The majority of car loan lenders require that you be currently employed with $1500 income per month, and your level of existing debt, including your new loan, shouldn’t exceed half of your earnings. For car shoppers in Eau Claire, WI, this rounds out to $1089 (average).

Even in the event you can’t fulfill the aforementioned prerequisites, you might be able to qualify with a co-buyer, larger down payment, or via buy here pay here car lots in WI.

Have you figured out how much you can afford to spend per month for your new car? Alright, it is advisable to commit just 18 to 20 percent of your monthly wages for your monthly payments, gas, and repairs. For the typical Eau Claire resident, this equates to $392 to $436 monthly. Forking out in excess of 18-20% will risk your financial future.

It’s important to budget appropriately for your Wisconsin auto loan, especially if you have less-than-perfect credit. You can’t afford to reduce your credit ratings even further. So please do not commit more than 15% of your income each month toward paying off your auto loan. For the average Eau Claire resident, this equates to $327. On top of that, it’s good to have the largest down payment possible. New cars depreciate rapidly. A down payment serves to counteract this.

Your Job is Your Credit Car Lots in Eau Claire, WI

The majority of WI buy here pay here car lots will let you buy a car without any credit check. But this reduces your ability to boost your credit history.

When it comes to buy here pay here dealerships, also known as no credit check or in house financing dealerships, the car loans are granted in house. Basically, these dealerships offer in house financing auto loans to Wisconsin car shoppers who’ve got poor credit. These types of car loans will often be provided with no credit check. Alas, they are not without some potential drawbacks:

  • Higher Rates Of Interest
  • Substantial Down Payments
  • High Mileage Used Cars
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But don’t fret, we may be able to help you get approved for the auto loan you’re looking for without resorting to buy here pay here financing.

Not sure what kind of car or truck to buy? Have a look at our section about cheap used cars in Wisconsin.

Dealer Financing: Eau Claire (WI)

  • Car City Honda, 2802 Lorch Avenue, 54701
  • Colburn’s Downtown Auto, 717 South Farwell Street, 54701
  • Bolle Mike Auto & Truck, 139 North Clairemont Avenue, 54703
  • Crossroads Auto Sales, 3015 East Clairemont Avenue, 54701
  • Chilson- Inc., 3443 Highway 93 S, 54701
  • Gully’s Auto LLC, 1503 North Clairemont Avenue, 54703
  • H-E Auto Sales, 3256 West Cameron Street, 54703
  • CC Auto Inc, 3624 Mall Drive, 54701
  • Bothun Automotive, 3100 Mall Dr, 923
  • Eau Claire Ford Lincoln Mercury, 2909 Lorch Ave, 54729
  • Nissan of Eau Claire, 3214 Mall Dr, 54729
  • Markquart Toyota, 1111 W Clairemont Ave, 96617
  • C & C Auto Incorporated, 3624 Mall Dr, 923