Looking For A Car Loan In Grant County OR During March 2020?
Getting the best deal on an auto loan in Grant County OR 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 vehicle that you want at the lowest interest rate possible and without hassle.
The AllCreditCarLoans network of lending partners provides quick and easy auto 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. There has never been a better time to get an auto loan than right now.
By working with AllCreditCarLoans, you can get preapproved for an auto 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 car loan at the best rate, just click the button below to get the process started. Our one-page application form only takes a few minutes to complete.
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 Grant County OR
AllCreditCarLoans Follows A Simple 1-2-3 Auto Loan Application Process
No need to wait for hours at a dealership or submit reams of paperwork. No need to worry about your gathering together your credit history. With our streamlined application process, everything is as easy as 1-2-3.
- 1 - COMPLETE OUR ONLINE APPLICATION - This process only takes a few minutes. Our simple application is safe and secure, so you don’t have to worry about your information. There is no cost. Applying for your auto loan is totally FREE.
- 2 - RECEIVE YOUR CREDIT APPROVAL - Getting your loan approval is fast and easy. AllCreditCarLoans has an extensive lending network, so the approval process is fast and efficient. You don’t have to wait for days, weeks or months. Many applicants receive loan approval on the same day.
- 3 - CHOOSE YOUR VEHICLE - With our easy as 1-2-3 process, you can buy your vehicle on the same day that your loan is approved. Just visit your nearby auto dealership and negotiate like a cash buyer.
Your Car Financing Options
Your credit history and where you are buying your auto from will determine the kind of auto deal you can get.
Whether you are buying a new or used auto from a dealer; you need a program designed to help you get a vehicle loan despite some credit challenges; or you are looking to refinance your existing loan - we can help.
We provide a variety of auto loan options to suit your needs and credit situation:
- Grant County OR New Car Loans
- Grant County OR Used Car Loans
- Grant County OR Auto Refinance Loans
- Grant County OR Good and Fair Credit Car Loans
- Grant County OR 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 Navigator, Carmax Finance, USAA Car Loans, Chase Auto, Wells Fargo Car Loans, Bank of America Auto Loans, Navy Federal Auto Loans, AAA Auto Loans, Key Bank Auto Loans, PNC BankAuto Loans, Bankrate Auto Loans, US Bank Auto Loans, TD Bank Auto Loans and State Farm Bank Auto Loans.
We also specialize in sub-prime auto loans including financing an auto after bankruptcy and helping borrowers to obtain a loan after an auto repossession.
If you are looking for an auto title loan or the best place to refinance your vehicle, we have programs that can help you as well.
We've provided auto loans for first-time buyers, auto financing for college students and we are proud to have arranged military and veteran auto loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to obtain an auto loan with their ITIN.
AllCreditCarLoans works with the best buy here pay here car lots, bad credit car dealers, second chance car dealers and other lenders to provide the best interest rates.
You are never alone in this process. Our 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 vehicle. Click the button below to let us get started helping you today!
Auto Loan Calculator For Grant County OR
Use our car payment calculator to determine how much you can spend when refinancing or financing your next car. You can run different scenarios by varying the "down payment" and "number of months" fields in order to arrive at your desired payment.
Your total car expenses should 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 Vehicle Loan
Shopping for a car has never been easier. Our vast network of lender partners and streamlined process makes getting an auto loan quick and easy.
1 - Budget For Your Purchase
The first step in obtaining auto 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 cars 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 auto finance 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 Car
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 Auto 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 Grant County OR 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 Grant County OR.
Shopping For The Best Auto Loan Rates In Grant County OR?
Whether you are looking for the best car loan interest rate for a new or used vehicle, or you want to refinance an auto loan, we can help.
With a lower interest rate, you'll save money and pay off your car loan faster. The single most important thing you can do to save money on an auto loan is to shop for the best auto loan rate before you set foot in a dealership. By knowing what kind of rate you qualify for before you try to buy a vehicle, you accomplish three things:
- You'll know what range of car payments you can qualify for
- 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
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 Car 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 An Auto Loan Is Important
Having a preapproved car 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.
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.
While you are at one of the auto dealers near you, 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.
How Does Getting Preapproved For A Car Loan Work?
Car dealers usually offer auto financing through their preferred lenders, typically at a higher loan rate than available elsewhere. Getting preapproved directly with one of our lending partners helps you to negotiate the best auto 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 An Auto 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.
About Grant County OR
Grant County is a county located in the U.S. state of Oregon. As of the 2010 census, the population was 7,445. The county seat is Canyon City. It is named for President Ulysses S. Grant, who served as an army officer in the Oregon Territory, and at the time of the county’s creation was a Union general in the American Civil War.
According to the U.S. Census Bureau, the county has a total area of 4,529 square miles (11,730 km), of which 4,529 square miles (11,730 km) is land and 0.7 square miles (1.8 km) (0.02%) is water.
Approximately 63% of the land area of the county is controlled by the Federal Government, most of which is controlled by the U.S. Forest Service, and the Bureau of Land Management. Grant County contains most of the Malheur National Forest and sections of the Wallowa–Whitman, Umatilla and Ochoco National Forests, and has more than 150,000 acres (610 km) of federally designated Wilderness Areas.
Grant County contains the headwaters of the John Day River, which has more miles of Wild and Scenic River designation than any other river in the United States.
The elevation of the county varies from 1,820 on the John Day River near Kimberly, to 9,038 feet (2,755 m) at the summit of Strawberry Mountain. The terrain of the county varies from grassland steppes and rangelands in relatively open or rolling hills and valleys, to steep, rugged, rocky high-alpine landscapes. Between these, the county contains heavily timbered land, many rolling hills, canyons and mountainous terrain. Portions of the county are technically high desert, dominated by sagebrush and sparse grasses.
Grant County includes the southern part of the Blue Mountains. One unique characteristic of the typical forestland of the area is the relatively low density of underbrush. Travelers and emigrants of the 19th century remarked that the absences of underbrush, and the wide spacing of the trees, made it possible to drive a wagon and team of horses virtually anywhere the grade would permit. The forested land of the county vary from sparse stands of Western Juniper in more arid, open, or rocky ground, to Sub-Alpine and High-Alpine fir stands in the highest terrain. Other forested areas (mainly above 3,200 feet (980 m) in elevation) are marked by stands of Ponderosa Pine, Douglas Fir, White Fir, Western Larch (a deciduous conifer commonly called “Tamarack”), Lodgepole Pine, Spruce stands in some higher elevation sites and a few stands of White Pine, as well as Cottonwood trees along some rivers and streams, and Birch and Quaking Aspen groves, mainly at higher elevations. There is also a rare and isolated stand of Alaskan Yellow Cedar in the Aldrich Mountains. Other flora includes a wide variety of native grasses and wildflowers, huckleberries, wild strawberries, elderberries, several types of edible mushrooms and Oregon Grape, the state plant. Non-native Russian Cheatgrass is also prevalent in many areas of the county.
Grant County is also home to what may be one of the largest living organism in the world, a giant fungus of the species Armillaria solidipes that lives within the Malheur National Forest. It was found to span 8.9 square kilometres (2,200 acres). Its total mass has been estimated to be between 8,500 and 10,500 tons, and its age at somewhere between 2,000 and 8,500 years.
The physical terrain one encounters today is far different than in prehistoric times. Fossil records show that, in the Paleozoic and early Mesozoic eras, much of the county was an ancient seabed. After emerging, the absence of the Cascade Mountains allowed the region to experience a relatively wet temperate climate. Ancient Tertiary rivers flowed through the area on courses that would be impossible today. During the Cenozoic Era, volcanic activity and extensive lava flows in the region dramatically changed the landscape. The John Day Fault (one of the only major faults in North America to run east-west) runs along the southern edge of the John Day Valley, caused an uplift, forming the Strawberry and Aldrich mountain ranges and the northern boundary of the Great Basin. Relatively recently in geological terms, during the last Ice age and shortly thereafter, large lakes were present in southeastern Oregon. Continual glaciers were still clinging to mountains in the area in the late 19th century, and one small glacier on Strawberry Mountain often remains year-round.
The geology of Grant County is rich, including one of the largest fossil concentrations in North America: The John Day Fossil Beds, which the U.S. Congress designated as a National Monument in 1974. Valuable metals, including gold, silver, platinum group elements, chrome, copper and cobalt, are found in the region. It was this mineral wealth, and the development of gold mines in particular, that spurred the permanent settlement of the area. Large zones of serpentine, a metamorphic rock, dating from the Triassic period, are found in numerous locations. Strawberry Mountain (an extinct volcano), the granite peaks and boulders of the Elkhorn Mountains, and numerous rim rocks, lava flows and basalt outcrops are evidence of the historic volcanic activity in the region. Hydrothermal resources are still present, with a number of hot and warm springs.
The remnants of ferns, semi-tropical and temperate deciduous forests, shellfish, saber-toothed tigers, extinct horse and camel species, and giant sloth, among other extinct species found in the John Day Fossil Beds, are a reminder that the flora and fauna of the region has changed significantly over the millennia. While deer, elk, pronghorn, cougar, bear and upland game bird populations thrive today, some of these animals were remarkably scarce 200 years ago. Explorers and trappers traveling through the region in the early 19th century remarked on the scarcity of game animals and their ability (or inability, as the case were) to find food.
Native fish in the region include several trout species; warm water fish such as bass and perch are found in the lower John Day River; and migratory salmon and steelhead are found in the county seasonally. While salmon and steelhead returns to the John Day Basin experienced a sharp decline during the past 50 years, mainly due to the construction of large dams on the Columbia River, the major watercourses of John Day Basin remain free of physical obstructions, and the numbers of returning salmon and steelhead have improved in recent years, marking some of the best fish runs recorded in the past half-century.
Most of Grant County is drained by the four forks of the John Day River, all of which have their headwaters in the county. The John Day River system drains some 7,900 square miles (20,000 km). It is the third longest free-flowing river in the “lower 48” and has more miles of federal “Wild and Scenic River” designation than any other river in the United States. The river system in Grant County includes the upper 100 miles (160 km) of the Main Stem, all of the 112 miles (180 km) of the North Fork, all 75 miles (121 km) of the Middle Fork, and all 60 miles (97 km) of the South Fork of the John Day River. From Grant County, the lower John Day River flows another 184 miles (296 km) to its confluence with the Columbia River. The southeastern corner of the county includes the headwaters of the Malheur and Little Malheur rivers, which find their way to the Snake River. The southern part of Grant County includes the northern-most reaches of the Great Basin, including the Silvies River watershed, which flows south into Harney Lake in the High Desert of Eastern Oregon. A small area in the southwestern corner of Grant County is in the Crooked River and Deschutes River watersheds.
Grant County is an arid to temperate region, with average annual precipitation ranging from 9 inches (230 mm) near Picture Gorge, to over 40 inches (1,000 mm) in the Strawberry Mountains. Annual precipitation in the valleys averages between 12 and 14 inches (360 mm), while the uplands or highlands of the county average between 16 and 24 inches (610 mm). Grant County averages between 40 and 60 days each year that see more than 0.10 inches (2.5 mm) of precipitation. A great deal of the county’s precipitation comes in the form of winter snow in the mountains. This snow pack is vital to recharge aquifers, resulting in spring run-off, and in-stream flows of water throughout the year.
Average temperatures in the county range from the warmest community, Monument, with average daily highs/lows of 90°/50 °F in July and 42°/22 °F in January; to the coolest community, Seneca, with average daily highs/lows of 80°/38 °F in July and 33°/8 °F in January. Extreme temperatures in the county show 30-year highs/lows of: 103°/-37 °F at Austin; 112°/-23 °F at John Day; 108°/-25 °F at Long Creek; 112°/-26 °F at Monument; and 100°/-48 °F at Seneca.
Grant County has an estimated 200 days of clear sunny or mostly sunny days, or an estimated 300 days of clear sunny, mostly sunny, or partly sunny days each year. The county experiences an estimated 65 days of overcast skies, with about 165 days of partly to mostly cloudy days annually.
As of the census of 2000, there were 7,935 people, 3,246 households, and 2,233 families residing in the county. The population density was 2 people per square mile (1/km²). There were 4,004 housing units at an average density of 1 per square mile (0/km²). The racial makeup of the county was 95.69% White, 0.10% Black or African American, 1.60% Native American, 0.19% Asian, 0.04% Pacific Islander, 0.68% from other races, and 1.70% from two or more races. 2.05% of the population were Hispanic or Latino of any race. 17.5% were of English, 17.1% German, 14.3% American and 9.0% Irish ancestry.
There were 3,246 households out of which 30.10% had children under the age of 18 living with them, 57.90% were married couples living together, 7.90% had a female householder with no husband present, and 31.20% were non-families. 27.10% of all households were made up of individuals and 10.90% had someone living alone who was 65 years of age or older. The average household size was 2.39 and the average family size was 2.89.
In the county, the population was spread out with 25.80% under the age of 18, 5.60% from 18 to 24, 24.00% from 25 to 44, 27.90% from 45 to 64, and 16.80% who were 65 years of age or older. The median age was 42 years. For every 100 females there were 99.30 males. For every 100 females age 18 and over, there were 97.10 males.
The median income for a household in the county was $32,560, and the median income for a family was $37,159. Males had a median income of $31,843 versus $22,253 for females. The per capita income for the county was $16,794. About 11.20% of families and 13.70% of the population were below the poverty line, including 16.60% of those under age 18 and 10.20% of those age 65 or over.
2000 U.S. Census statistics for Grant County show that the total workforce for Grant County was 3,800, or 62% of the total population over age 16. These people were employed as follows:
56.9% private wage/salaried positions;
14.7% private self-employed (not incorporated business);
0.8% private unpaid family workers;
27.6% public employees (municipal, county, state, federal governments);
20.6% education, health, social services;
17.3% agriculture, forestry, mining;
9.8% retail trade;
7.6% arts, entertainment, recreation, accommodations, and food;
6.9% public administration;
5.9% other services;
5.1% transportation, warehousing, utilities;
4.1% professional, administrative, and waste management;
3.1% finance, insurance, real estate, leasing;
1.5% wholesale trade;
As of the 2010 United States Census, there were 7,445 people, 3,352 households, and 2,167 families residing in the county. The population density was 1.6 inhabitants per square mile (0.62/km). There were 4,344 housing units at an average density of 1.0 per square mile (0.39/km). The racial makeup of the county was 95.0% white, 1.2% American Indian, 0.3% Asian, 0.2% black or African American, 0.1% Pacific islander, 0.9% from other races, and 2.3% from two or more races. Those of Hispanic or Latino origin made up 2.8% of the population. In terms of ancestry, 27.7% were German, 16.3% were English, 12.6% were Irish, 7.5% were American and 5.4% were Scottish.
Of the 3,352 households, 22.8% had children under the age of 18 living with them, 54.1% were married couples living together, 7.5% had a female householder with no husband present, 35.4% were non-families, and 30.3% of all households were made up of individuals. The average household size was 2.19 and the average family size was 2.69. The median age was 50.0 years.
The median income for a household in the county was $35,974 and the median income for a family was $43,521. Males had a median income of $40,603 versus $27,326 for females. The per capita income for the county was $22,041. About 11.4% of families and 14.4% of the population were below the poverty line, including 19.3% of those under age 18 and 11.9% of those age 65 or over.
For more information, see Grant County Oregon wiki