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Columbus Auto Loans Online

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Columbus Bad Credit Auto Loans
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Best Lenders - Columbus Bad Credit Auto Loans


Best Overall



    • Up to $99,000
    • Term: 24 to 84 months
    • Great Customer Service

APR From: 2.4%

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Best Selection



    • Up to $80K
    • Term: 24 to 84 months
    • No Repayment Fee

APR From: 2.8%

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Best Rates


Consumers Credit Union

    • Up to $250K
    • Term: 12 to 84 months
    • No Repayment Fee

APR From: 6.4%

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Best Experience



    • Up to $100K
    • Term: 24 to 84 months
    • Refinance Available

APR From: 2.94%

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Best Reviewed


Auto Credit Express

    • Up to $40,000
    • Term: 24 to 84 months
    • Great for Bad Credit

APR From: 3.9%

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Columbus, OH

​Columbus Ohio Stats:

Average Income:   $69,315      Average Credit Score:  654 

Average car payment:    

New: $535/mo.     Used: $335/mo.

If you're looking for bad credit auto financing in Columbus, Ohio, don't worry - you've got options. Dealer special financing programs and sub-prime lenders are still both likely to approve your loan application, even if your credit isn't perfect.

When getting a new car, most people will need to take out an auto loan. Applying for a loan can be a long and tedious process, but it doesn't have to be. Thanks to the internet, you can now apply for an auto loan online in just minutes. By comparing rates from different lenders, you can find the best deal possible on your new automobile. Applying for an auto loan online can be a quick and easy process, and it allows you to get pre-approved for a loan without having to visit multiple dealers and harming your credit with all those applications.

Best Dealers - Columbus Bad Credit Auto Loans


Ricart Used Car Factory

Largest Inventory

Ricart Used Car Factory - Columbus Bad Credit
    4.3 (2,110)
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    4255 S Hamilton Rd Columbus OH 43125

Columbus Auto Mall

Best for Bad Credit

Columbus Auto Mall Bad Credit
    4.7 (113)
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    2900 S High St Columbus, OH 43207

Germain Nissan of Columbus

Most Trusted

Germain Nissan of Columbus - Bad Credit
    4.5 (1,483)
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    4300 Morse Rd, Columbus, OH 43230

-Drivetime of West Columbus

Best Finance Options

DriveTime of West Colombus Bad Credit
    4.8 (1,446)
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    4000 W Broad St, Columbus, OH 43228

Columbus Best Dealerships for Bad Credit

Buckeye Car Loan collects data and aggregates reviews on every major dealership in the Columbus Ohio area. Through our research, we have selected the top-rated dealerships by vehicle, financing, and area. Select your location or preferred area below. These reputable and vetted dealers offer financing, service, and selection above and beyond the competition in Columbus.

​According to Experian, over 85% of new vehicles purchased are financed. When considering financing a new vehicle in Columbus it is important to consider depreciation. Edmunds reports that a vehicle can lose up to 9% of its true market value the moment you drive it off the lot

Most buyers in Columbus choose to purchase pre-owned vehicles. While you may miss out on some warranty and that new car smell, buying used is often more financially sound. Most of those who avoid used vehicles do so due to the stigma that they will be swindled in some way. In today’s market, buyers in Columbus enjoy many legal protections against misrepresenting goods, and consumers have access to a wealth of resources. The financial aspect, combined with the peace of mind provided by technology explains why used vehicles make up almost 60% of the vehicle financing market

In-House Financing

If you can not get approved through traditional lenders in Columbus, in-house financing may be a good option. Some auto dealers have their own financing and do not require third-party approvals from banks in order to offer you a loan. Because the dealer does not have to answer to a lender this can be a great way for someone with less-than-perfect credit to get a vehicle and get re-established. Most often your in-house finance loan will report to credit bureaus creating positive credit history and building your credit score. These loans will often come with higher interest rates but may be more forgiving on things like income and down payment.

The Cost of an Auto Loan in Columbus

The main factors that will determine the cost of your vehicle are Principle, Down payment, trade, and interest. The principle is the amount owed to the lender after the initial purchase, accounting for any down payment and trade-in credit. The lower your principle, the lower your payments. You can lower your principal by making a down payment. Alternatively, if you trade in a vehicle any value you receive will reduce principal cost. It is recommended to put  20% of the total cost down when buying a new vehicle and 10% down on a pre-owned one. Finally, the interest rate, which will be determined by your credit history, will determine the cost of your monthly payment. Most car loans offered in Columbus are “Simple Interest” meaning the faster you pay the loan, the less interest you pay. The max interest rate for used cars in Ohio is 25%. Find the best interest rates near you


Loans with No Down Payment in Columbus


​If you cannot afford a down payment or simply want to finance the whole of your vehicle you may want to learn how to avoid making a down payment on your next vehicle. The terms of your loan, in particular of your approval would mainly depend on your credit score. Boosting your score is the best way to avoid or lower down payment requirements. Another option may be getting a co-signer. This can help you get approved for better terms and may lessen the need for a down payment. Be sure to shop around and check the terms of different lenders, just because a certain lender does not approve you without a down payment does not mean that no one else will. Making no down payment is not usually recommended and making even a small down payment is better than none. Both online lenders and buy-here pay-here dealers offer no down payment programs.

Columus Bad Credit Car Loans

Columbus, Ohio, is a vibrant city with a diverse population and a strong economy. The population of Columbus is around 900,000 residents, making it the largest city in the state of Ohio and the 14th largest in the United States. The city boasts a robust job market and a median household income of approximately $54,000 per year.

In terms of auto ownership and payments, Columbus residents have a considerable presence on the roads. A significant portion of the population owns cars, with a car ownership rate that aligns with the national average. Many residents rely on personal vehicles for their daily commute and transportation needs.

Apply Now. Drive Today

Columbus Ohio Bad Credit Auto Finance

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