What’s the average fico score in Trenton, NJ? It’s 693, yet even so, 12,898 of the city’s men and women are handicapped by credit ratings of 500 to 549.
Dealerships that provide in-house financing in Trenton, NJ can accomodate shoppers who need to buy a car with setbacks like repossessions, bankruptcies, or even foreclosures on their records. The vast majority of banks will reject individuals who’ve got hardships like these without a second thought.
In-house Financing in NJ
You may be curious as to just how such car lots can provide auto loans when conventional lenders are unable. You’ll find that the majority of used car lots don’t do financing in-house. Instead, they get third-party loan companies to take care of the financing part of the equation. When you receive your auto finance approval, the provider literally buys the car, and your payments go to the lender. Buy here pay here auto lots, on the other hand, grant auto loans directly. This means they’re not ruled by the banking institutions and traditional creditors. This makes it simpler for you to get a car when you have a bad credit score, while making it much much easier for them to market vehicles to the 51,591 folks in Trenton with a low credit score.
Subprime Car Financing vs Buy Here Pay Here
Does a your job is your credit loan sound like the one and only choice? You might be surprised. Let’s be honest, in house financing dealers in Trenton, NJ have their disadvantages: increased annual percentage rates and significant down payments, as well as minimal ability to boost your credit.
Why don’t you let us determine which type of financing is best? Just complete our simple web form, and our innovative application program will try to place your application with the car lot or finance company who is best suited for your needs, based on the following:
- Your Geographical Area (Trenton, NJ)
- Your Credit Rating
- Your Down Payment
Planning Your Investment
Trenton residents, on average, take home $24,686 every year. You should not spend more than one-tenth of your gross annual salary on car-related payments. In Trenton, this amounts to $2,469. Just remember: this doesn’t include costs such as:
- Multiple Autos
- Auto Insurance Coverage
- Upkeep ($.0421 per mile for a small sedan. Source: AAA)
Please don’t commit any more than this, as it will surely strain your budget.
Most Stolen Vehicles in Trenton, NJ
When it comes to pre-owned cars and trucks in New Jersey, there are a number of cars and trucks you might want to avoid. How come? Because these autos are the most common targets of thieves in New Jersey.
- 2000 Honda Civic
- 1994 Honda Accord
- 2000 Dodge Caravan
- 1991 Toyota Camry
- 1997 Nissan Maxima
- 1995 Jeep Cherokee/Grand Cherokee
- 2005 Nissan Altima
- 1996 Plymouth Voyager
- 2007 Toyota Corolla
- 2008 Chevrolet Impala
Buying a Used Car in Trenton, NJ
- Evaluate the car with an inspection sheet of the type offered freely on the web.
- Ask a mechanic to check the vehicle.
- Request the car or truck’s service file.
- When you go for your test drive, make an effort to drive under various road conditions.
- Research costs related to servicing by visiting auto websites.
- Assess whether or not the vehicle has been at the center of any safety problems or recalls. If that’s the case, ensure that the issues have been resolved. Go to nhtsa.gov gives car recall information, and the U.S. DOT has a Vehicle Safety Hotline.
- Obtain an automotive history report. Furthermore, there are a few zero cost options like the system maintained by the NICB (National Insurance Crime Bureau).
BHPH and Used Car Dealers: Trenton NJ
- R & J Auto. 334 Mulberry St. ZIP: 8638
- Marrazzo’s Auto Service. 1538 S Olden Ave. ZIP: 8610
- Nation Wide Auto Outlet. 2349 Nottingham Way. ZIP: 8619
- CJ Sales. 1459 Princeton Ave. ZIP: 8638
- Cregar C R & Son Inc. 1939 Brunswick Ave. ZIP: 8618
- Drake Motors. 1440 Prospect St. ZIP: 8638
- Jeep Authorized Dealer – Leasing- Body Shop- Sales & Service. 1710 N Olden Avenue Ext. ZIP: 8638
- Red Cap Motors. 1634 Nottingham Way. ZIP: 8619
- Fifth Street Auto Sales. 1590 5th St. ZIP: 8638
- Harper Tom S & H Used Cars. Rexall Av. ZIP: 8641
- Alpha Motors. 1704 South Olden Avenue. ZIP: 8610
- Imported Car Repairs by Ralph. 1700 Chambers Street. ZIP: 8610
- Frank Matteo Inc. 424 Whittaker Avenue. ZIP: 8611
- Discount Auto Sales. N 1555 Olden Av. ZIP: 8611
- Jab Auto Repair and Used Car. 760 East State Street. ZIP: 8609
- Buy Smart. 1776 Rev S Howard Woodson. ZIP: 8638
- Broad Street Auto Sales. 1360 South Broad Street. ZIP: 8610
- Cappa’s Foreign Car Specialist. 258 South Olden Avenue. ZIP: 8629
- Prime Auto Sales. 644 Brunswick Av. ZIP: 8618
- Mid-Town Auto Sales. 1314 South Broad Street. ZIP: 8610
- H M Auto Brokers. 620 Rev S Howard Woodson. ZIP: 8618
- Hibbert’s Automotive Service. 1100 Spruce Street. ZIP: 8648
- Auto Corral Inc. 2553 Saylors Pond Rd. ZIP: 8641
- Arbitell Automobiles. 1004 Chambers Street. ZIP: 8611
- Rocky’s Auto Sales. 39 Stella Avenue. ZIP: 8610
- Continental Motors Used Cars. 26 Mulberry Court. ZIP: 8619
- KAARS Inc. Trenton Area. ZIP: 8618
- Mc Auto Sales. 560 Brunswick Avenue. ZIP: 8638
- Auto Exchange Inc. 336 USHighway 130. ZIP: 8620
- Princeton Chevrolet. 200 Renaissance Boulevard. ZIP: 8648
- Ross’s Automotive Sales. 401 Rev S Howard Woodson. ZIP: 8618
- Cadet Motors Inc. Arctic Parkway & Spr. ZIP: 8608
- Lawrence Lexus. 2630 USHighway 1. ZIP: 8648
- EZEE Motors. 762 Chambers Street. ZIP: 8611
- Cade Motor CO Inc. 1735 Princeton Avenue. ZIP: 8648
- Ace Auto Sales. 533 Whitehead Road. ZIP: 8619
- Haldeman Ford. 607 Highway 33. ZIP: 8619
- J & S Auto Haus. N 1723 Olden Av. ZIP: 8638
- Car-Connect Inc. 1739 South Olden Avenue. ZIP: 8610
- Hamilton Chrysler Inc. 1240 Highway 33. ZIP: 8690
- CNAC. 1721 North Olden Avenue Extension. ZIP: 8638
- Mark Motors. 1618 Princeton Ave. ZIP: 8695
- Trenton Auto Sales. 225 Chambers St. ZIP: 8695
- Hamilton Imports. 2201 Highway 33. ZIP: 8504
- Body by Mule. 550 Us-130. ZIP: 8601
- Mendez Auto Repair. 1901 Calhoun St. ZIP: 8601
- Coleman Buick Pontiac GMC Incorporated. 100 Renaissance Blvd. ZIP: 8502
- Nitti’s Subaru. 1883 Highway 33. ZIP: 8505