Looking For An Auto Loan In West Virginia During June 2020?
Getting the best deal on car finance in West Virginia 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 West Virginia
AllCreditCarLoans Follows A Simple 1-2-3 Auto 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 APPLICATION - This process only takes a few minutes. Our online application is secure, so you don’t have to worry about the safety of your information. There are no fees or hidden charges. Applying is totally FREE.
- 2 - RECEIVE YOUR LOAN APPROVAL - Getting your loan approval is fast and easy. We have an extensive lending network, so the loan approval process is 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 auto on the same day your loan is approved. You just visit your favorite dealership and negotiate like a cash buyer.
Your Vehicle Financing Options
Your credit history and whom you are buying your car from will determine what kind of auto loan you need.
Whether you are buying a used or new vehicle from a dealer; you need a program designed to help you get a loan despite any credit challenges; or you are looking to refinance an existing loan - we are here to help.
We provide a variety of vehicle financing options to suit your budget and credit situation:
- West Virginia New Car Loans
- West Virginia Used Car Loans
- West Virginia Auto Refinance Loans
- West Virginia Good and Fair Credit Car Loans
- West Virginia 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 Loans, Carmax Auto, USAA Car Loans, Chase Bank Auto Loans, Wells Fargo Auto Finance, Bank of America Auto Loans, NFCU Auto Loans, AAA Auto Loans, Key Bank Auto Loans, PNC BankAuto Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Auto Finance and State Farm Bank Auto Loans.
AllCreditCarLoans works with the best buy here pay here dealerships near you, bad credit dealers, second chance dealers and other lenders to provide the best rates.
We've provided loans for first-time buyers, students, active military and veterans. We've helped foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
If you are looking for a title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We also specialize in subprime auto financing even after bankruptcy and a repossession.
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!
Car Finance Calculator For West Virginia
Use the AllCreditCarLoans monthly car payment calculator to help determine how much you can afford to spend when financing or refinancing a car. You can run multiple scenarios varying the "down payment" and "number of months" in order to get the monthly payments where you would like them to be.
We recommend that you target your total car expenses to be no more than 20% of your take-home pay.
What To Know Before You Apply For An Auto Loan
Car 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.
Car 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.
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 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 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 A Car Loan
Shopping for a vehicle has never been easier. Our vast network of lending partners and streamlined process makes getting a loan quick and easy.
1 - Budget For Your Car Purchase
The first step in obtaining financing is to figure out how much you can afford to spend.
If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your autos 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 car loan 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 Auto
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.
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.
3 - Apply For Your Car Loan
Click the button below and fill out our quick and easy application form to get started right away!
New Auto Loans
New auto loans are the most common type of vehicle financing. Beyond the traditional option of getting approved through a dealer, 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 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 West Virginia 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 West Virginia.
Shopping For The Best Vehicle Loan Rates In West Virginia?
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 A Car Loan Is Important
Having a preapproved auto 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.
While you are at one of your local dealerships, 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.
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.
How Does Getting Preapproved For An Auto Loan Work?
Auto dealers usually offer car financing through their preferred lenders, typically at a higher interest rate than available elsewhere. Getting preapproved directly with one of our lending partners helps you to negotiate the best car loan rate before you even get to the dealership so that you can save money in the long run.
When you start your car buying process at a dealership, the salesmen will focus on the monthly payment, which makes it easier to forget about the actual price of the car. But when you show up with a preapproved auto loan, negotiations can be based on the price of the car instead.
How To Get Pre-Qualified For A Car Loan
When you’re applying with us, the application process is simple and quick. You should have the following information on-hand:
- Driver’s license and Social Security number
- Proof of income
- 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.
West Virginia (/vərˈdʒɪniə/ (listen)) is a state located in the Appalachian region of the Southern United States, and is also considered to be a part of the Mid-Atlantic Southeast Region. It is bordered by Pennsylvania to the north, Maryland to the east and northeast, Virginia to the southeast, Kentucky to the southwest, and Ohio to the northwest. West Virginia is the 41st largest state by area, and is ranked 38th in population. The capital and largest city is Charleston.
Located in the Appalachian Mountain range, West Virginia covers an area of 24,229.76 square miles (62,754.8 km), with 24,077.73 square miles (62,361.0 km) of land and 152.03 square miles (393.8 km) of water, making it the 41st-largest state in the United States. West Virginia borders Pennsylvania and Maryland in the northeast, Virginia in the southeast, Ohio in the northwest, and Kentucky in the southwest. Its longest border is with Virginia at 381 miles (613 km), followed by Ohio at 243 miles (391 km), Maryland at 174 miles (280 km), Pennsylvania at 118 miles (190 km), and Kentucky at 79 miles (127 km).
The United States Census Bureau estimates that the population of West Virginia was 1,805,832 on July 1, 2018, a 2.55% decrease since the 2010 United States Census. The center of population of West Virginia is located in Braxton County, in the town of Gassaway.
At the 2010 Census, the racial composition of the state’s population was:
In the same year, 1.2% of West Virginia’s population was of Hispanic, Latino, or Spanish origin (they may be of any race).
As of 2018, West Virginia has an estimated population of 1,805,832, which is a decrease of 10,025, or -0.55%, from the prior year and a decrease of 47,162, or -2.55%, since the year 2010. This includes a natural decrease since the last census of 3,296 people (that is 108,292 births minus 111,588 deaths) and an increase from net migration of 14,209 people into the state. West Virginia is the least populous southeastern state. Immigration from outside the United States resulted in a net increase of 3,691 people, and migration within the country produced a net increase of 10,518 people.
Only 1.1% of the state’s residents were foreign-born, placing West Virginia last among the 50 states in that statistic. It also has the lowest percentage of residents that speak a language other than English in the home (2.7%).
The five largest ancestry groups in West Virginia are: German (18.9%), Irish (15.1%) American (12.9%), English (11.8%) and Italian (4.7%) In the 2000 Census People who identified their ethnicity as simply American made up 18.7% of the population.
Large numbers of people of German ancestry are present in the northeastern counties of the state. People of English ancestry are present throughout the entire state. Many West Virginians who self-identify as Irish are actually Scots-Irish Protestants.
2010 census data show that West Virginia has the nation’s second-largest percentage of residents aged 65 years or older – 16.0%, exceeded only by Florida.
There were 20,928 births in 2006. Of these, 19,757 (94.40% of the births, 95.19% of the population) were to non-Hispanic whites. There were 22 births to American Indians (0.11% of the births and 0.54% of the population), 177 births to Asians (0.85% of the births and 0.68% of the population), 219 births to Hispanics (1.05% of the births and 0.88% of the population) and 753 births to Blacks and others (3.60% of the births and 3.56% of the population).
The state’s Northern Panhandle, and North-Central region feel an affinity for Pittsburgh, Pennsylvania. Also, those in the Eastern Panhandle feel a connection with the Washington, D.C. suburbs in Maryland and Virginia, and southern West Virginians often consider themselves Southerners. Finally, the towns and farms along the mid-Ohio River, which forms most of the state’s western border, have an appearance and culture somewhat resembling the Midwest.
Note: Births in table do not add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
Several surveys have been made in recent years, in 2008 by the American Religion Identity Survey, in 2010 by the Pew Forum on Religion and Public Life. The Pew survey results admit to a 6.5% margin of error plus or minus, while the ARIS survey states that “estimates are subject to larger sampling errors in states with small populations.” A characteristic of religion in Appalachian communities is the abundance of independent, non-affiliated churches, which “remain unnoted and uncounted in any census of church life in the United States.” This sometimes leads to the belief that these communities are “unchurched”.
The largest denomination as of 2010 was the United Methodist Church with 136,000 members in 1,200 congregations. The second-largest Protestant church was the American Baptist Churches USA with 88,000 members and 381 congregations. The Southern Baptist church had 44,000 members and 232 congregations. The Churches of Christ had 22,000 members and 287 congregations. The Presbyterian Church (USA) had 200 congregations and 20,000 members.
A survey conducted in 2015 by the Pew Research Center found that West Virginia was the 7th most “highly religious” state in the United States.
Zip Code Map
West Virginia neighborhoods include: Adrian, Advent, Alderson, Alkol, Alma, Alum Bridge, Alum Creek, Amherstdale, Amma, Apple Grove, Arbovale, Arnett, Arnoldsburg, Asbury, Ashford, Ashton, Athens, Auburn, Augusta, Aurora, Baisden, Baker, Ballard, Barboursville, Bartow, Baxter, Beaver, Beckley, Beeson, Belington, Belle, Belleville, Belmont, Belva, Bens Run, Benwood, Berea, Berkeley Springs, Berwind, Bethany, Beverly, Bickmore, Big Bend, Big Creek, Big Run, Big Springs, Bim, Birch River, Blacksville, Bloomery, Bloomingrose, Blount, Bluefield, Bomont, Bowden, Bramwell, Branchland, Brandywine, Breeden, Brenton, Bridgeport, Bristol, Brohard, Bruceton Mills, Buckhannon, Buffalo, Bunker Hill, Burlington, Burnsville, Burton, Cabin Creek, Cairo, Caldwell, Calvin, Camden On Gauley, Cameron, Camp Creek, Canvas, Capon Bridge, Cass, Cedar Grove, Cedarville, Center Point, Chapmanville, Charleston, Charles Town, Charmco, Chester, Circleville, Clarksburg, Clay, Clendenin, Cleveland, Clothier, Coal City, Coalton, Colcord, Colliers, Copen, Cottageville, Cowen, Coxs Mills, Crab Orchard, Craigsville, Crawford, Crawley, Creston, Cross Lanes, Crum, Culloden, Cyclone, Dallas, Danese, Daniels, Danville, Davis, Davisville, Davy, Delbarton, Delray, Diana, Dille, Dingess, Dixie, Dryfork, Duck, Dunbar, Dunlow, Dunmore, Durbin, East Lynn, Edmond, Eglon, Elizabeth, Elk Garden, Elkins, Elkview, Ellamore, Ellenboro, Elton, Enterprise, Erbacon, Eskdale, Evans, Exchange, Fairmont, Fairview, Falling Rock, Falling Waters, Farmington, Fayetteville, Fenwick, Fisher, Flat Top, Flatwoods, Flemington, Follansbee, Folsom, Forest Hill, Fort Ashby, Fort Gay, Fort Spring, Foster, Frametown, Frankford, Franklin, Fraziers Bottom, French Creek, Friendly, Gallagher, Gallipolis Ferry, Gandeeville, Gap Mills, Gassaway, Gauley Bridge, Gay, Genoa, Gerrardstown, Gilbert, Given, Glady, Glen Dale, Glen Daniel, Glen Easton, Glenville, Glenwood, Gordon, Gormania, Grafton, Grantsville, Grassy Meadows, Great Cacapon, Green Bank, Green Spring, Green Sulphur Springs, Greenville, Griffithsville, Hacker Valley, Hambleton, Hamlin, Hansford, Harman, Harpers Ferry, Harrisville, Harts, Heaters, Hedgesville, Helvetia, Henderson, Hendricks, Hernshaw, Hewett, Hico, High View, Hillsboro, Hinton, Hundred, Huntington, Hurricane, Huttonsville, Iaeger, Independence, Indore, Inwood, Ireland, Jacksonburg, Jane Lew, Jeffrey, Jolo, Julian, Jumping Branch, Kanawha Falls, Kanawha Head, Kearneysville, Kegley, Kenna, Kenova, Kerens, Kermit, Keslers Cross Lanes, Keyser, Kiahsville, Kieffer, Kimberly, Kincaid, Kingwood, Lahmansville, Lansing, Lashmeet, Lavalette, Left Hand, Leivasy, Lenore, Leon, Lerona, Le Roy, Lesage, Lester, Letart, Levels, Lewisburg, Liberty, Lindside, Linn, Little Birch, Littleton, Lizemores, Logan, Lookout, Looneyville, Lost City, Lost Creek, Lumberport, Lyburn, MacFarlan, Madison, Maidsville, Mammoth, Man, Mannington, Marlinton, Martinsburg, Mason, Matewan, Mathias, Matoaka, Maxwelton, Maysel, Maysville, McMechen, Meadow Bridge, Meadow Creek, Metz, Middlebourne, Midkiff, Milam, Mill Creek, Millwood, Milton, Mineral Wells, Moatsville, Mohawk, Monongah, Montgomery, Montrose, Moorefield, Morgantown, Moundsville, Mount Alto, Mount Clare, Mount Hope, Mount Lookout, Mount Nebo, Mount Storm, Mullens, Munday, Myra, Nallen, Naoma, Napier, Nebo, Nellis, Nettie, New Creek, New Cumberland, Newell, New Martinsville, New Milton, Newton, Nimitz, Nitro, Normantown, Northfork, Oak Hill, Oceana, Odd, Old Fields, Omar, Ona, Orgas, Orlando, Paden City, Palestine, Parkersburg, Parsons, Paw Paw, Paynesville, Pecks Mill, Pence Springs, Pennsboro, Perkins, Petersburg, Peterstown, Petroleum, Peytona, Philippi, Pickens, Piedmont, Pine Grove, Pineville, Pipestem, Poca, Point Pleasant, Points, Pond Gap, Pool, Powellton, Prichard, Princeton, Procious, Proctor, Pullman, Purgitsville, Pursglove, Quinwood, Rachel, Rainelle, Ramsey, Ranger, Ranson, Ravenswood, Reader, Red Creek, Red House, Reedy, Renick, Rhodell, Richwood, Ridgeley, Rio, Ripley, Riverton, Rivesville, Robson, Rock, Rock Cave, Rockport, Romney, Ronceverte, Rosedale, Rowlesburg, Rupert, Saint Albans, Saint Marys, Salem, Salt Rock, Sand Fork, Sandstone, Sandyville, Scarbro, Scott Depot, Secondcreek, Selbyville, Seneca Rocks, Seth, Shady Spring, Shanks, Shenandoah Junction, Shepherdstown, Shinnston, Shock, Sinks Grove, Sistersville, Slanesville, Slatyfork, Smithfield, Smithville, Smoot, Sod, South Charleston, Southside, Spanishburg, Spencer, Spring Dale, Springfield, Spurlockville, Statts Mills, Sugar Grove, Sumerco, Summersville, Summit Point, Sutton, Swiss, Sylvester, Talcott, Tallmansville, Thomas, Thornton, Tornado, Triadelphia, Troy, Tunnelton, Union, Upperglade, Upper Tract, Valley Bend, Valley Grove, Valley Head, Victor, Vienna, Volga, Wadestown, Waiteville, Walker, Walkersville, Wallace, Wallback, Walton, Wana, Wardensville, Washington, Waverly, Wayne, Wayside, Webster Springs, Weirton, Welch, Wellsburg, West Columbia, West Hamlin, West Logan, West Milford, Weston, West Union, Wharncliffe, Wheeling, White Sulphur Springs, Whitesville, Whitmer, Wiley Ford, Wileyville, Williamsburg, Williamson, Williamstown, Wilsie, Wilsondale, Winfield, Wolfcreek, Worthington, Yawkey, Yolyn
For more information, see West Virginia wiki