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Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.Get the vehicle you really want — Auto rates as low as 4.99% APR. Motorcycle rates as low as 5.99% APR. Competitive rates for new or pre-owned vehicles. Up to 125% financing. Terms available up to 84 months (up to 72 months for Motorcycles) Purchases for up to ten (10) model years 2015 and newer*. Refinances for up to five (5) model years ...Feb 29, 2024 · With excellent credit, a 5.64% interest rate would result in a $671 monthly payment and $5,248 in total interest charges. If you have a 630 credit score, however, a 9.60% interest rate would give ... First Auto Credit. 1673 miles away. 2990 Old Orchard Road, Jackson, MO. Send Message. (866) 761-2316. Contact Us Now. Get Driving Directions. 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First Auto Credit 573-204-7777 2990 Old Orchard Rd Jackson, MO 63755 If you’re a first time car buyer with bad credit or no credit history established, you may qualify for subprime financing. Credit Acceptance is an indirect subprime finance company that works with more than 12,000 car dealers across the nation to help credit-challenged car buyers get approved for financing.Mar 1, 2024 · Pros. Manageable payment schedules. Auto loans offer monthly installment loans that are typically more manageable and affordable than other loan types. Lower interest rates. Auto loan rates ... First Auto Credit. 1673 miles away. 2990 Old Orchard Road, Jackson, MO. Send Message. (866) 761-2316. Contact Us Now. Get Driving Directions. . 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