#1 for Auto Loans and Car Financing in Woodinville

Apply for car loan and financing in Woodinville with 405 Motors. Fast approval on car loans with no effect on your credit score. Drive a better car today!

Get the best deals on car loans from 405 Motors, a local used car dealer with bad credit, no credit car loan options in Woodinville.  

Other than bad credit car loans, we also have buy here, pay here options for Woodinville residents, including our customers in nearby areas. Trade-in options are also available at our dealership.  

We will do everything we can to ensure that you are getting the right payment plan for your budget customized for you. We will make sure you get the right car for your money!    

We have plenty of ways to make sure you get the most out of your money from us and we are excited to meet you and help you get your perfect car soon.     

Come by 405 Motors and start your car loan application today! 

Browse our used car inventory with auto financing deals

    Frequently Asked Questions About Car Loan Applications in Woodinville

    How can I get approved for a car loan?

    Many dealerships and lenders only let people with good credit apply for car loans. However, for in-house financing, buy here, pay here (BHPH) and bad credit/no credit dealerships, bad credit, no credit, or poor credit customers can still avail of a car loan.   

    You would need collateral such as a job, a cosigner, or a certain percentage of down payment depending on the vehicle you can qualify for. Getting a pre-approval for car loans that does a soft credit score pull is also something you can use.  

    A pre-approval gives you a general idea of what kind of car you can buy. No need to provide your SSN or wait a long time for a result. Pre-approvals done online usually take a couple of minutes. 

    It is good to know what you are paying for. You need to understand the value of what you are going to get because this will help you make the best, informed decision before applying for a bad credit car loan. 405 Motors makes sure that you are informed before finally deciding on what car you can get based on your payment terms. 

    What kind of credit score do you need to buy a car?

    If you have a good credit score, chances are you will get lower interest rates and more flexible plans. A 660 credit score can usually get you lower than 6% interest rates when you get a car loan.   

    If you have bad credit or no credit scores, you can still get a car loan however these come with higher interest rates compared with good credit score interest rates for car loans. Non-prime and subprime lending usually have higher interest rates than prime lending.   

    Vehicles are undoubtedly essential, and money is hard to earn. That is why no matter what your credit score might be, we have very reasonable car loan interest rates in Woodinville and make sure you drive away from 405 Motors happy and satisfied.  

    Why would I be denied a car loan?

    Your car loan application might get denied if you did not fill out the credit application form properly, especially on fields that require your information.   

    Other reasons are you cannot provide a valid ID, collateral or are currently unemployed with no one else to cosign your car loan application.   

    To avoid getting your car loan application denied, it is best to make sure that you have all requirements before going to a dealer or lender to save yourself from the hassle and also get you driving your car right away.   

    Fortunately, 405 Motors is a local car dealer with car loans in Woodinville that does not turn customers away no matter what their credit score might be. 

    Is it hard to get accepted for car finance?

    It depends on the car dealership as not all dealers do offer non-prime or subprime lending. For dealers that do not accept bad credit, or no credit used car loans, a score lower than 670 will not make it any easier to get a car loan.   

    If you do have bad credit or no credit at all, you can go to dealers like us that offer auto loans that cater to all credit types. 

    Visit Our Dealership

    405 Motors

    Talk To Us

    Call Us Today!