Yes, many lenders offer options for bad or no credit. You can improve your approval chances by providing proof of income, a co-signer, or a larger down payment.

Currently interest rates range from 7% to 25%, depending on your credit score, loan term, and vehicle age. Excellent credit can secure rates as low as 6.5%. If you’re looking for the best used car loans, we can help you get the best deals!

Downpayment is not required to get approved, but can help your chances by showing you are invested in the purchase. A down payment of 10-20% of the car’s price is considered a good investment. A larger down payment can reduce your monthly payments and total interest.

Loan terms usually range from 36 to 72 months, with some lenders offering terms up to 84 months.

Pre-approval can be done online or in person with banks, credit unions, or dealerships. You’ll need personal information, proof of income, and employment details.

Yes! Trade-ins can be applied as a down payment, and the value will reduce the amount you need to finance.

At Lebada Motors, we pride ourselves on being completely transparent. There are no hidden fees when you finance with us. Any applicable charges, such as loan origination or optional warranties, will be clearly explained upfront so you can make an informed decision.

Yes, refinancing is possible if your credit improves or interest rates drop, potentially lowering your monthly payment or interest costs.

Your car payment should generally not exceed 25% of your monthly income. Use our online loan calculator to estimate payments. Financing a second-hand car has never been easier with flexible terms and transparent processes!