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Columbus Auto Loans Online

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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 Used Cars For Bad Credit 

​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

Best Dealers - Columbus Bad Credit Auto Loans


Ricart Used Car Factory

Columbus Used Cars

Ricart Used Car Factory - Columbus Bad Credit
    Though it has an on-site Subway restaurant and a literal feris wheel, the Ricart Used Car Factory is most well-known for great deals on used cars in Columbus. This premier dealership offers an extensive inventory , ensuring that customers can find the perfect vehicle to suit their needs. Whether you're in the market for a pre-owned Ford, Hyundai, or Chevrolet, or looking to explore new models, Ricart has proven to offer top-quality options and excellent customer service.
    4255 S Hamilton Rd Columbus OH 43125
    (614) 808-4747
    4.3 (2,110)
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Columbus Auto Mall

Columbus Used Cars

Columbus Auto Mall Bad Credit
    Columbus Auto Mall is a family-owned business that opened its first location in 2007. Columbus Auto Mall stands on its reputation rather than commercial recognition. Columbus auto mall has become a local favorite and one of the fastest-growing dealers in Ohio. While they do offer and work with traditional lenders, Columbus Auto Mall offers its own financing in-house.
    2900 S High St Columbus, OH 43207
    4.7 (113)
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Germain Nissan Columbus

Columbus Auto Loans

Germain Nissan of Columbus Bad Credit
    Germain Nissan of Columbus is a reliable dealership that offers a wide range of new and used vehicles. They are committed to providing excellent service. In addition to selling cars, they also offer auto maintenance and parts services. They have a variety of finance options available, catering to different customer needs and circumstances.
    4300 Morse Rd, Columbus, OH 43230
    (936) 514-4326
    4.5 (1,483)
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Drivetime West Columbus

Columbus Bad Credit

DriveTime of West Colombus Bad Credit
    The Dealer has generally positive but mixed reviews. Based on the review summaries, many customers have had positive experiences with their salespeople. While there are minor complaints, the dealership is very responsive in addressing any concerns raised by customers
    4000 W Broad St, Columbus, OH 43228
    (888) 418-1212
    4.8 (1,446)
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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.

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Change your auto loan terms with Columbus Refinance Options. 

Columus Bad Credit Car Loans

​Columbus Ohio Stats:

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

Average car payment:    

New: $535/mo.     Used: $335/mo.

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