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UsedCarSale Home

Request Car Loan
Bad Credit Welcome
No Credit Welcome
All w/Income Approved

Common Questions
View the questions of other visitors, and the best answers.

General Information
Research information referencing car sales and car loan programs.

Vehicle Makes
Locate car sales by make and model.

Buy Here Pay Here
Locate local buy here pay here car dealers offering in house financing.

Low Monthly Payment Car Loans
Find local dealers and lenders offering car loans with a low monthly payment.

Car Sales And Loans

Privacy Policy
Visitor Agreement


There is nothing more important, when shopping for a new, or used, car than common sense.

Buyers should never let the excitement of purchasing that shiny new car or truck cloud the way in which they consider all of the financing options.

For those with a bad credit history, this is even more important. A dealer promising the "world" when others could not, will often be sliding you into a finance plan that will only make your situation worse.

Think carefully, and remember that the road back from a shaky credit history is a long one, and conservative borrowing will have a much more beneficial end. - UCS

Michigan Low Monthly Payment Cars For Sale.
Michigan Loan Programs That Will Fit Any Budget.

UsedCarSale.com Financial Services (Low Monthly Payment):
Available As Of December 24, 2013

Apply For A Car Loan With Low Monthly Payments
Submit an application to local dealers and lenders who offer car loan programs that include a low monthly payment. Must have steady income.

Apply For A Car Loan With A Bad Credit History
Submit an application to local dealers and lenders who can assist those with a bad credit history.. Must have income, and stable residency.

Apply For A Car Loan With No Credit History
Submit an application to local dealers who can assist those with no prior credit history. Must have income.

Michigan Low Monthly Payment Cars For Sale. Michigan Loan Programs That Will Fit Any BudgetMichigan cars for sale that come with a low monthly payment, and easy approval terms. Even those with a bad credit history can secure loans with proof of a steady source of income. Loans that include payments of less than $200 can be secured in just a couple of hours! Let UsedCarSale.com put you behind the wheel of a car that will include the low monthly payment that will fit into any budget.

Michigan car loan programs that include approvals for those with past bankruptcies, repossessions, divorce issues, unpaid medical bills, and slow pays. Our online lending partners can secure approvals based on factors not related to your prior credit history.

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Apply For A First Time Buyers Program
Submit a car loan application to local dealers who can assist first time buyers with no credit history. Must have proof of a steady income.


For Those Seeking A Low Down Payment, Our Dealers And Loan Providers Can Help. Bad Credit Approved.

Are Low Interest Rates Really Providing For The Best Deal?
Posted Dec 24, 2013

If you’re applying for a car loan and you’re offered a 0% interest rate, you may think you have died and gone to heaven, but some people are whether that is such a great deal.

However, it may not be a bad thing to not qualify for this type of interest rate. Getting an extremely low interest rate like that can make the dealer less likely to negotiate the purchase price of the vehicle, basically leaving you to buy the car at the full asking price – much higher than you should settle for. The reason they Low Down Payments For Those With A Bad Credit History. No Credit History Welcomed As Well.won’t come down on the price as much as they normally would is because most of the money they make when selling a car comes with the interest paid on the loan – if you have received a 0% interest rate then you won’t be paying any extra money on the loan, meaning their profit plummets. Therefore, they will stick as close to the MSRP as possible to get a slightly higher profit.

Even if the dealer isn’t willing to come down on the price a lot, you should always negotiate a little. If you’ve picked out a car that is $25,000 dollars and you finance it just for $1,000 less, you could save yourself $16 a month on your payment if you pay 0% interest. If you know that you’re going to qualify for the low interest, your best bet is to try and negotiate the purchase price of the car before even talking about the interest rate.


Vehicle Review: 2011 Nissan Versa
Posted May 26, 2013

The 2011 Nissan Versa certainly has that bargain-basement price thing down. It was one of the cheapest cars on sale in the United States, yet it was a lot of "bang for the buck". If all you're looking for is simple, safe, spacious, 2011 Nissan Versa | Bad Credit Nissan Dealerscomfortable and, yes, cheap transportation, then the Nissan Versa might be all you need.

Like many subcompact cars, the Versa is available in 4 door sedan and hatchback body styles and its most basic models offer little in the way of convenience features. If you opt for the cheapest trim level, you'll be cranking your own windows, climbing across seats to unlock doors and humming to your own tunes because there are neither power accessories nor even a radio. But you still get enough space for four 6-footers, comfy seats, a soft ride, a nicely crafted interior and a large trunk.

Stepping up to the higher trim levels got you common features like power accessories, air-conditioning and a radio. But the Versa was one of the few cars in its price range to offer such items as keyless ignition/entry, a navigation system, an iPod interface and Bluetooth. In other words, depending on your preference, the Versa could have been either bare-bones transportation or one of the best-equipped small cars on the market.......more

Apply For A Car Loan For Nissan Versa Purchase
Those with a bad credit history, or no credit history, approved with proof of a current income. Low monthly payment available through extended term programs.


Getting That Low Monthly Payment Car Loan - Use Caution


Some new car loans these days are beginning to resemble mortgages.

Driven by some of the lowest interest rates ever, as well as the nearly $30,000 average cost of a new car and the fact that vehicles are lasting longer, new car loans are extending out as long as seven years.

Longer car loans are a national trend that can be good or bad, depending on the loan terms, type of vehicle being purchased and whether someone is willing to commit to keeping a car for seven years or more, among other things, auto market experts say.

"There are a lot of moving parts to this story," said Jessica Caldwell, director of pricing and industry analysis at car-buying site Edmunds.com.

More than 30% of new car loans today in the United States are for 72 months or greater. That's the highest percentage ever, said Jim Tolkan, president of the Automobile Dealers Association of Mega Milwaukee.

During March, the average loan term for people who financed new cars in the U.S. was 65.7 months, or nearly 5½ years, Caldwell said.

"Credit being cheaper makes it a lot easier to extend a loan," she said. "An ideal payment would be zero percent for 84 months if you can get it.

"That's just free money, essentially."

You will likely need stellar credit and a decent-size down payment to getLow Payments For Those With A Bad Or No Credit History. it. And it may not be available on some of the bestselling models. "It's not for every vehicle," Tolkan said.

Still, if you find such a deal on a model you want - or need - and you typically drive cars until the wheels fall off, 84 months might make sense.

"We see some people who take advantage of the longer terms," said Jay Magulski, president and CEO of New Berlin-based Landmark Credit Union, the largest credit union in Wisconsin.

"I don't know that seven years is a real popular term. It's not. But there are people who are looking at six-year terms. Absolutely."

For consumers, the ability to spread payments out over six or seven years might allow them to buy more car than they ordinarily could afford because the monthly payment shrinks when it's spread over such a long period of time at zero percent interest.

"I think the biggest driver of this whole thing is that most Americans base car prices on monthly payments," Caldwell said.

New cars cost on average about $30,000, she said. "That's quite a bit of money for most people when you consider the average incomes."

The average price of a new car in 2000 was $24,900, according to data from the National Automobile Dealers Association.

While the monthly payment on a longer loan might be less, the interest paid over the life of the loan may not make the deal worth it for many consumers. "If I can get a car loan spread out over six years or seven years, regardless of what the interest rate is, it's going to positively impact the payment," Magulski said.

"If I'm thinking that I'm going to hold onto this car six, seven, eight, nine years or longer, then I might be very comfortable from a budgeting perspective having a car loan that is over six or seven years - even eight years - because of the way it works with my budget," he said.



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UsedCarSale.com strongly recommends that no purchase agreement should be made prior to a hands on inspection of the used car, truck, van, or suv. Beware of any offer to pay by cashier's check made out for an amount larger then the asking price. These offers are almost always followed by an attempted theft, and request for some sort of rebate, or payment of shippers.