Looking For An Auto Loan In Jacksonville FL During March 2020?
Getting the best deal on car finance in Jacksonville FL can save you a significant amount of money over the life of your loan. That’s why you need a partner who knows how to get you approved for the car that you want at the lowest auto loan interest rate possible and without hassle.
There has never been a better time to get an auto loan than right now. Our network of lender partners provides quick and easy loan decisions for all credit situations. Our lender partners are making more loans, approving buyers with lower credit scores, offering lower monthly payments and making larger loans than ever before.
By working with us, you can get preapproved for a car loan before going to the dealership, so that you can negotiate as a cash buyer and get the best deal possible.
So, no matter what your credit situation, if you are looking for a quick, no-hassle auto loan at the best rate, just click the button below to get the process started. Our application form is simple and easy to use.
We Can Get You Financed Despite Any Special Circumstances
You need a new car and we are here to help you get it!
Your chances of obtaining vehicle financing are very good. Via our network of dealer and lender partners, we have many options available to get you financed. Difficult circumstances are our specialty and we have seen nearly every situation possible.
We have helped…
Car buyers get their first car
Car buyers with a past repossession
Car buyers with a past bankruptcy
Car buyers who are paid in cash
Car buyers who are self-employed
Car buyers who receive social security benefits
Car buyers who are on disability
Car buyers who are retired
Car buyers with no money to put down
Car buyers with a trade-in vehicle
Apply today and let us start helping you get that new car that you need!
Watch Our Video On Getting A Car Loan In Jacksonville FL
AllCreditCarLoans Follows A Simple 1-2-3 Car Loan Application Process
No need to wait for hours at your nearest dealership or submit tons of paperwork. No need to worry about your credit history. With AllCreditCarLoans, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes to complete. Our one-page application is safe and secure, so you don’t have to worry about the safety of your information. Everything is done online. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your credit approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the loan approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day they apply.
- 3 - PURCHASE YOUR VEHICLE - With our easy as 1-2-3 process, you can purchase your vehicle on the same day your loan is approved. You just visit your favorite auto dealership and negotiate like a cash buyer.
Your Auto Financing Options
Your credit history and where you are buying your car from will determine the kind of auto loan you need.
Whether you are buying a new or used car from a dealer; you need a program designed to help you get a vehicle loan despite credit challenges; or you are looking to refinance your existing loan - we can help.
We provide a variety of car financing options to suit your needs and credit situation:
- Jacksonville FL New Car Loans
- Jacksonville FL Used Car Loans
- Jacksonville FL Auto Refinance Loans
- Jacksonville FL Good and Fair Credit Car Loans
- Jacksonville FL Bad, Poor and Horrible Credit Auto Loans
Our loan programs are tailored to your exact needs and budget and are designed to meet or exceed the features of national auto finance companies like Capital One Auto Finance, Carmax Used Cars, USAA Auto Loans, Chase Auto Loans, Wells Fargo Auto Loans, Bank of America Car Loans, Navy Federal Car Loans, AAA Auto Loans, Key Bank Auto Loans, PNC Car Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Car Loans and State Farm Auto Loans.
We've provided car loans for first-time buyers, car financing for college students and we are proud to have arranged military and veteran auto financing for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN number.
We also specialize in sub-prime auto financing including financing a car after bankruptcy and helping borrowers to obtain a car loan after repossession.
If you are looking for a car title loan or the best place to refinance your car, we have programs that can help you as well.
AllCreditCarLoans works with the best buy here pay here car lots near you, bad credit auto dealers, second chance auto dealers and other car loan lenders to provide the best auto rates.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the button below to let us get started helping you today!
Auto Loan Calculator For Jacksonville FL
Use our car payment calculator to determine how much you can spend when refinancing or financing your next car. You can run different scenarios by varying the "down payment" and "number of months" fields in order to arrive at your desired payment.
Your total car expenses should be no more than 20% of your take-home pay.
What To Know Before You Apply For A Car Loan
Auto Loan Interest Rates
The interest rate you’ll receive depends upon your credit history, your income, the length of the loan and the vehicle you choose.
Auto Loan Terms
While it is possible to find a lender who will finance a vehicle for up to 84 months, we don't recommend stretching out payments any longer than you need. It’s best to pay off a car loan as quickly as you can since cars depreciate rapidly. The longer the loan term, the more probable that at some point you will end up owing more on the loan than the car is worth. Being underwater or upside-down on a loan is a risky financial situation. The best interest rates are available for shorter loan terms. We recommend keeping your loan term to 3 years for used cars and up to 5 years for new cars.
Auto Loan Credit Score
Credit scores give lenders an idea of how you manage your finances. These scores are essential in helping you plan your finances well. Likewise, credit scores can be testaments of how well you make decisions, as well as how healthy your spending habits are. Credit scores can help determine whether you pay your bills on-time, if you use your credit cards wisely, and how well you manage your loans.
The higher your credit score, the lower the interest rate you will likely be asked to pay.
Therefore, if you have multiple loans that are unpaid; if your credit cards have been maxed out and several of your bills remain unpaid, you earn a low credit score. While it does not define the kind of person that you are, your score can indicate an unhealthy financial habit, which can make you appear "too risky" and turn away lenders.
A lot of lenders do not offer auto finance loans to applicants who have a low credit score because they do not want to encounter problems when collecting payments. Some lenders accept borrowers with low scores, but they often charge higher interest rates for the loans they make. This is because they want to lessen the risks that your low credit score represents.
But AllCreditCarLoans is different. We work with leading car finance lenders and auto dealers to help you find the best auto loan terms for your credit situation. Fill out our quick and easy one-page application to let us get you financed today.
Soft vs. Hard Credit Pull
Your auto lender may do a "soft" credit pull in order to pre-qualify you for a car loan. A "soft" credit pull doesn’t subtract from your credit score the same way a "hard" pull does, but it also doesn’t guarantee you’ll be approved for a loan or that you'll get the exact rate you’ve been quoted. A "hard" credit pull will be required before the loan terms are finalized.
If you are applying with multiple lenders in order to shop the best interest rates, it makes sense to complete all your loan applications within a short time-frame. The credit reporting agencies tend to count multiple hard inquiries made within a short period as only one inquiry.
It's a good idea to know your credit score before you apply for your loan. If you are unsure what your credit score is, you can always use this service to find your credit score.
If your credit score could use improvement, you can work with a credit repair vendor to improve your credit score.
Car Loan Restrictions
Some lenders only work within a specific network of auto dealerships. This could limit your choice of vehicles to a handful of auto makes, models and vehicle types.
Some lenders will only work with car dealers so you won't be able to use them to buy a car from a private seller.
Steps To Get An Auto Loan
Shopping for an auto has never been easier. Our streamlined process and vast network of lending partners make getting a car loan quick and easy.
1 - Budget For Your Auto Purchase
The first step in obtaining auto financing is to figure out how much you can afford to spend.
If you have a car to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your auto's market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down-payment. The more money you put down, the lower your monthly payment will be. If you need an auto loan with no down payment, don't worry. We can still help you.
Finally, use our vehicle finance calculator to estimate your monthly payment. You can vary the interest rate and loan term to see how that affects the potential monthly payment.
2 - Choose Whether You Want A New Or Used Vehicle
If you are looking to get the most value for your dollar, you will likely be better off financing a used car. For the best results, follow our used car recommendations.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealership. In order to get the best deal on new car financing, follow our new car recommendations.
3 - Apply For Your Loan
Click the button below and fill out our quick and easy application form to get started right away!
New Bad Credit Auto Loans
Auto loans for new car buyers with bad credit are not a very common type of vehicle financing. Beyond the traditional option of getting approved through a dealership that works with bad credit buyers, many consumers have found that they can save money and gain negotiating leverage by arranging their car financing in advance.
Most new vehicle dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower-priced new autos with attractive financing incentives to make buying easier for people with lower credit scores.
Let us help you get preapproved for that new bad credit car loan and you will become a cash buyer. This saves you time at the dealership and gives you the power to negotiate your best deal on any vehicle you choose. Apply for a new auto loan in Jacksonville FL and see how much we can save you.
Used Auto Loans
A used car loan is our most commonly requested loan. By letting us help pre-arrange your funding source, you know that you'll have the power to negotiate the best deal. Apply for a used vehicle loan and see what type of rate & term you can get from our participating lenders.
Buying a used auto will typically provide the best value. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to buy directly from a private seller, thus saving dealer fees. We can help you with an auto loan to buy from a private seller.
If you choose to purchase a used vehicle, you can click here to view the inventory of used car dealerships in Jacksonville FL.
Shopping For The Best Vehicle Loan Rates In Jacksonville FL?
Whether you are looking for the best interest rate for a new or used car, or you want to refinance a vehicle loan, we can help.
With a lower interest rate, you'll save money and pay off your auto loan faster. The single most important thing you can do to save money on a vehicle loan is to shop for the best interest rate before you set foot in a dealership. By knowing what kind of rate you qualify for before you try to buy a car, you accomplish three things:
- You can focus your negotiations with the dealer on the vehicle price rather than on financing terms
- You won't end up getting a higher cost loan than you want
- You'll know what range of car payments you can qualify for
Use our car loan calculator to determine what range of payments you can expect. You can enter your balance, term, and interest rate to calculate what the payment will be. You can compare different scenarios to see how much more you can save by increasing your down payment.
Average Vehicle Payment Interest Rates You Can Expect
|Credit Score Range||Average APR for a New Car||Average APR for a Used Car|
|781 - 850||3.68%||4.34%|
|661 - 780||4.56%||5.97%|
|601 - 660||7.52%||10.34%|
|501 - 600||11.89%||16.14%|
|300 - 500||14.41%||19.98%|
Why Getting Preapproved For An Auto Loan Is Important
Having a preapproved car loan streamlines the buying process because you become a cash buyer and you can bypass the usual salesman's tactic of negotiating based on monthly payment. The problem with negotiating based on the monthly payment amount is that you can easily lose sight of the total cost and end up paying more in the long run.
As you negotiate your best deal, be sure to leave enough money to cover the sales tax and any additional fees. This way your total "out the door" cost does not exceed the maximum amount of your preapproved auto loan.
While you are at one of the auto dealers near you, the finance manager may try to beat the interest rate of your preapproved loan. Before accepting the dealer's replacement loan, make sure that the interest rate is lower, all of the other terms are comparable, and the final total price is less. It's good to be cautious because there is always a risk that the finance manager could juggle the numbers in the dealership's favor and you could end up spending more money than you would with your preapproved car loan.
How Does Getting Preapproved For A Vehicle Loan Work?
Dealers usually offer vehicle financing through their preferred lenders, typically at a higher interest rate than available elsewhere. Getting preapproved directly with one of our lender partners helps you to negotiate the best interest rate before you even get to the car dealership so that you can save money in the long run.
When you start your auto buying process at a dealer, the salesmen will focus on the monthly payment, which makes it easy to forget about the actual price of the vehicle. But when you show up with a preapproved loan, negotiations can be based on the price instead.
How To Get Pre-Qualified For An Vehicle Loan
When you’re applying with AllCreditCarLoans, the application process is simple and quick. You should have the following information on-hand:
- Proof of income
- Driver’s license and Social Security number
- Employment verification
This information helps our lending partners to get a clear picture of your financial status, making it easier to secure the best auto loan rates for your credit situation.
About Jacksonville FL
Jacksonville is the most populous city in Florida, the most populous city in the southeastern United States and the largest city by area in the contiguous United States. It is the seat of Duval County, with which the city government consolidated in 1968. Consolidation gave Jacksonville its great size and placed most of its metropolitan population within the city limits. As of 2018, Jacksonville’s population was estimated to be 903,889. The Jacksonville metropolitan area has a population of 1,523,615 and is the fourth largest in Florida.
According to the United States Census Bureau, the city has a total area of 874.3 square miles (2,264 km), making Jacksonville the largest city in land area in the contiguous United States; of this, 86.66% (757.7 sq mi or 1,962 km) is land and 13.34% (116.7 sq mi or 302 km) is water. Jacksonville surrounds the town of Baldwin. Nassau County lies to the north, Baker County lies to the west, and Clay and St. Johns counties lie to the south; the Atlantic Ocean lies to the east, along with the Jacksonville Beaches. The city developed along both sides of the St. Johns River. The Trout River, a major tributary of the St. Johns River, is located entirely within Jacksonville.
Just south of Jacksonville and north of Saint Augustine is the boundary of where the Floridian Peninsula ends and Continental North America begins; Jacksonville is north of that line. While still in the North American Coastal plain, the topograpy begins to take on slight Piedmont characteristics. Like the Central Florida ridge and the Piedmont, the area begins sloping several miles inland. On the west side of Jacksonville, a series of low ridges predominate. The high point of Jacksonville rises to 190 feet above sea level on Trail Ridge, along the boundary with Baker County.
Soil composition is primarily sand and clay rather than limestone, so few sinkholes develop; however, deep, large diameter sinkholes do occur.
Jacksonville is the most populous city in Florida, and the twelfth most populous city in the United States. As of 2010, there were 821,784 people and 366,273 households in the city. Jacksonville has the country’s tenth-largest Arab population, with a total population of 5,751 according to the 2000 United States Census. Jacksonville has Florida’s largest Filipino American community, with 25,033 in the metropolitan area as of the 2010 Census. Much of Jacksonville’s Filipino community served in or has ties to the United States Navy.
As of 2010, those of Hispanic or Latino ancestry accounted for 7.7% of Jacksonville’s population. Of these, 2.6% identified as of Puerto Rican ancestry, 1.7% as Mexican, and 0.9% were Cuban.
As of 2010, those of African ancestry accounted for 30.7% of Jacksonville’s population, which includes African Americans. Out of the 30.7%, 1.8% identified as Sub-Saharan African, 1.4% as West Indian or Afro-Caribbean American (0.5% Haitian, 0.4% Jamaican, 0.1% Other or Unspecified West Indian, 0.1% Bahamian, 0.1% Barbadian), and 0.6% as Black Hispanics.
As of 2010, those of (non-Hispanic white) European ancestry accounted for 55.1% of Jacksonville’s population. Of these, 10.4% identified as ethnic German, 10.2% as Irish, 8.8% as English, 3.9% as Italian, 2.2% as French, 2.0% as Scottish, 2.0% as Scotch-Irish, 1.7% Polish, 1.1% Dutch, 0.6% Russian, 0.5% Norwegian, 0.5% Swedish, 0.5% Welsh, and 0.5% as French Canadian.
As of 2010, those of Asian ancestry accounted for 4.3% of Jacksonville’s population. Out of the 4.3%, 1.8% were Filipino, 0.9% were Indian, 0.6% Other Asian, 0.5% Vietnamese, 0.3% Chinese, 0.2% Korean, and 0.1% were Japanese.
In 2010, 6.7% of the population identified as of American ancestry (regardless of race or ethnicity.) Some 0.9% were of Arab ancestry, as of 2010.
As of 2010, there were 366,273 households out of which 11.8% were vacant. 23.9% of households had children under the age of 18 living with them, 43.8% were married couples, 15.2% had a female householder with no husband present, and 36.4% were non-families. 29.7% of all households were made up of individuals and 7.9% had someone living alone who was 65 years of age or older. The average household size was 2.55 and the average family size was 3.21. In the city, the population was spread out with 23.9% under the age of 18, 10.5% from 18 to 24, 28.5% from 25 to 44, 26.2% from 45 to 64, and 10.9% who were 65 years of age or older. The median age was 35.5 years. For every 100 females, there were 94.1 males. For every 100 females age 18 and over, there were 91.3 males.
In 2010, the median income for a household in the county was $48,829, and the median income for a family was $59,272. Males had a median income of $42,485 versus $34,209 for females. The per capita income for the county was $25,227. About 10.5% of families and 14.3% of the population were below the poverty line, including 20.4% of those under age 18 and 9.9% of those aged 65 or over.
In 2010, 9.2% of the county’s population was foreign born, with 49.6% being naturalized American citizens. Of foreign born residents, 38.0% were born in Latin America, 35.7% born in Asia, 17.9% were born in Europe, 5.9% born in Africa, 1.9% in North America, and 0.5% were born in Oceania.
As of 2010, 87.1% of Jacksonville’s population age five and over spoke only English at home while 5.8% of the population spoke Spanish at home. About 3.3% spoke other Indo-European languages at home. About 2.9% spoke Asian languages or Pacific Islander languages/Oceanic languages at home. The remaining 0.9% of the population spoke other languages at home. In total, 12.9% spoke another language other than English.
As of 2000, speakers of English as a first language accounted for 90.60% of all residents, while those who spoke Spanish made up 4.13%, Tagalog 1.00%, French 0.47%, Arabic 0.44%, German 0.43%, Vietnamese at 0.31%, Russian was 0.21% and Italian made up 0.17% of the population.
Jacksonville has a diverse religious population. The largest religious group is Protestant. According to the Association of Religion Data Archives (ARDA), in 2010 the Jacksonville metropolitan area had an estimated 365,267 Evangelical Protestants, 76,100 Mainline Protestants, and 56,769 Black Protestants, though figures for the latter were incomplete. There were around 1200 Protestant congregations in various denominations. Notable Protestant churches include Bethel Baptist Institutional Church and First Baptist Church, whose congregations separated after the Civil War and which are the city’s oldest Baptist churches. Each has become very large. The Episcopal Diocese of Florida has its see at St. John’s Cathedral; the current building was completed in 1906.
Jacksonville is part of the Roman Catholic Diocese of St. Augustine, which covers seventeen counties in North Florida. ARDA estimated 133,155 Catholics attending 25 parishes in the Jacksonville metropolitan area in 2010. The Basilica of the Immaculate Conception in Jacksonville, defined as a minor basilica in 2013, was added to the National Register of Historic Places in 1992.
There are also two Eastern Catholic parishes, one of the Syriac Catholic Church and one of the Maronite Church. In 2010 there were 2520 Eastern Orthodox Christians, representing four churches in the Eastern Orthodox communion, as well as congregations of Syriac Orthodox, Armenian Apostolic, Ethiopian Orthodox, and Coptic Orthodox Christians.
ARDA estimated 14,886 members of The Church of Jesus Christ of Latter-day Saints (LDS Church) and 511 Unitarian Universalists in 2010. There were an estimated 8,581 Muslims attending seven mosques, the largest being the Islamic Center of Northeast Florida. The Jewish community, which numbered 6,028 in 2010, is largely centered in the neighborhood of Mandarin. There are five Orthodox, two Reform, two Conservative, and one Reconstructionist synagogues. The Rohr Jewish Learning Institute teaches courses for the community.
ARDA also estimated 4,595 Hindus, 3,530 Buddhists and 650 Bahá’ís in the Jacksonville area in 2010.
Zip Code Map
32099, 32201–32212, 32214–32241, 32244–32247, 32250, 32254–32260, 32266, 32267, 32277, 32290
For more information, see Jacksonville Florida wiki