Top new cars for people with fair credit. Calculate loan payments on new cars with fair credit, December 2023 rebates, down payment, and trade equity or negative equity.
Buying a new car with fair credit can be challenging especially with negative equity. Calculations below are based on a credit score between 601 and 660, a maximum Loan to Value (LTV) of 120%, a 72 month loan term, the national average new car rate for fair credit of 8.99%, and a recommended down payment amount of $500. If applicable, all rebates are deducted from the loan amount. When the LTV exceeds the maximum LTV of 120% the estimated lender required approval down payment amount for a car loan with fair credit is displayed.
If you are in an upside down car loan and want to trade-in a car with negative equity for a new vehicle our calculator will estimate the down payment needed and how much negative equity a bank will finance on each vehicle based a fair credit credit score, trade value, and trade pay off.
Click the + Customize Payments button to tailor your new car auto loan payments to your exact preferences. Our estimated payments assume fair credit, $500 down, and encompass state taxes, as well as typical DMV and dealer document fees. The Sticker Price accounts for the MSRP and Destination Charge. Make it uniquely yours by adjusting factors such as your state of residence, credit score, down payment, and trade-in value versus trade payoff. Get started now!
Get a lease quote or get pre-approved for financing on the best new car models for fair credit.
The 2023 Audi Q5 has a December 2023 rebate of $10,000 plus $5,000 bonus cash or special interest rate of 6.99% APR plus $5,000 bonus cash. It is a 4 door sport utility vehicle with 9 trim levels (S line Premium Plus 45 TFSI quattro, S line Prestige 45 TFSI quatt...
The 2023 Buick Encore GX has a December 2023 special interest rate of 1.90% APR. It is a 4 door sport utility vehicle with 6 trim levels (Front Wheel Drive 4 Door Select, Front Wheel Drive 4 Door Essence, AWD 4 Door Preferred, AWD 4 Door Select, AWD 4 Door Essence, Front Wheel Drive 4 Door Preferred).
The 2023 Buick Envision has a December 2023 rebate of $2,000 plus $1,000 bonus cash or special interest rate of 1.90% APR plus $1,000 bonus cash. It is a 4 door sport utility vehicle with 6 trim levels (AWD 4 Door Preferred, AWD 4 Door Essence, AWD 4 Door Avenir,...
The 2024 Acura Integra has a December 2023 special interest rate of 3.90% APR. It is a 4 door sedan with 5 trim levels (CVT, CVT with A-Spec Package, CVT with A-Spec Tech Package, Manual with A-Spec Tech Package, Type S Manual).
The 2024 Audi A3 has a December 2023 rebate of $2,000 plus $1,000 bonus cash or special interest rate of 6.99% APR plus $1,000 bonus cash. It is a 4 door sedan with 4 trim levels (Premium 40 TFSI, Premium Plus 40 TFSI, Premium 40 TFSI quattro, Premium Plus 40 TFS...
The 2023 Audi A4 Sedan has a December 2023 rebate of $6,000 plus $3,000 bonus cash or special interest rate of 6.99% APR plus $3,000 bonus cash. It is a 4 door sedan with 6 trim levels (S line Premium Plus 45 TFSI quattro, S line Prestige 45 TFSI quattro, Premium...
The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 2 door regular cab pickup truck with 8 trim levels (XLT 4x4 Regular Cab 8 Foot Box, XLT 2WD Regular Cab 6.5 Foot Box, X...
The 2023 Ram 1500 Classic has a December 2023 rebate of $1,000 or special interest rate of 4.90% APR. It is a 2 door regular cab pickup truck with 2 trim levels (Tradesman 4x2 Regular Cab 8 Foot Box, Tradesman 4x4 Regular Cab 8 Foot Box).
The 2024 Kia Carnival is a 4 door minivan with 5 trim levels (SX Front Wheel Drive, SX Prestige Front Wheel Drive, LX Front Wheel Drive, LX Front Wheel Drive with Seat Pkg, EX Front Wheel Drive).
The 2023 Chevrolet Bolt EV is a 4 door hatchback with 2 trim levels (5 Door Wagon 1LT, 5 Door Wagon 2LT).
The 2023 Hyundai IONIQ 5 has a December 2023 rebate of $10,000 plus $2,500 bonus cash or special interest rate of 0.99% APR plus $2,500 bonus cash. It is a 4 door hatchback with 7 trim levels (SE RWD, SEL RWD, Limited RWD, SE AWD, SEL AWD, Limited AWD, SE Standar...
The 2024 Kia Niro is a 4 door hatchback with 5 trim levels (LX Front Wheel Drive, EX Front Wheel Drive, EX Touring Front Wheel Drive, SX Front Wheel Drive, SX Touring Front Wheel Drive).
The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 4 door extended cab pickup truck with 8 trim levels (XL 4x4 SuperCab 8 Foot Box, XL 2WD SuperCab 6.5 Foot Box, XLT 4x4 ...
The 2023 Nissan Frontier has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 3.69% APR plus $500 bonus cash. It is a 4 door extended cab pickup truck with 4 trim levels (King Cab 4x2 S Auto, King Cab 4x2 SV Auto, King Cab 4x4 S Aut...
The 2023 Toyota Tacoma 2WD has a December 2023 special interest rate of 3.99% APR. It is a 4 door extended cab pickup truck with 5 trim levels (SR5 Access Cab 6 Foot Bed V6 AT, TRD Sport Access Cab 6 Foot Bed V6 AT, SR Access Cab 6 Foot Bed I4 AT, SR5 Access Cab 6 Foot Bed I4 AT, SR Access Cab 6 Foot...
The 2024 Chevrolet Colorado is a 4 door crew cab pickup truck with 7 trim levels (2WD Crew Cab WT, 2WD Crew Cab LT, 4x4 Crew Cab WT, 4x4 Crew Cab LT, 4x4 Crew Cab Trail Boss, 4x4 Crew Cab Z71, 4x4 Crew Cab ZR2).
The 2023 Ford F-150 has a December 2023 rebate of $500 plus $500 bonus cash or special interest rate of 1.90% APR plus $500 bonus cash. It is a 4 door crew cab pickup truck with 23 trim levels (XL 2WD SuperCrew 6.5 Foot Box, XL 4x4 SuperCrew 6.5 Foot Box, LARIAT ...
The 2024 Ford Ranger is a 4 door crew cab pickup truck with 7 trim levels (XLT 2WD SuperCrew 5 Foot Box, LARIAT 2WD SuperCrew 5 Foot Box, XL 4x4 SuperCrew 5 Foot Box, XLT 4x4 SuperCrew 5 Foot Box, LARIAT 4x4 SuperCrew 5 Foot Box, Raptor 4x4 SuperCrew 5 Foot Box, XL 2WD SuperCrew 5 Foot Box).
The 2024 Chevrolet Camaro is a 2 door coupe with 7 trim levels (2 Door Coupe 2SS, 2 Door Coupe ZL1, 2 Door Coupe 1LT, 2 Door Coupe 2LT, 2 Door Coupe 3LT, 2 Door Coupe LT1, 2 Door Coupe 1SS).
The 2023 Dodge Challenger has a December 2023 rebate of $2,000 or special interest rate of 6.90% APR. It is a 2 door coupe with 9 trim levels (R/T Scat Pack RWD, R/T Scat Pack Widebody RWD, SRT Hellcat Jailbreak RWD, SRT Hellcat Widebody Jailbreak RWD, SXT RWD, S...
The 2024 Ford Mustang has a December 2023 special interest rate of 4.90% APR. It is a 2 door coupe with 5 trim levels (GT Premium Fastback, Dark Horse Fastback, EcoBoost Fastback, EcoBoost Premium Fastback, GT Fastback).
The 2024 Chevrolet Camaro is a 2 door convertible with 7 trim levels (2 Door Convertible 3LT, 2 Door Convertible LT1, 2 Door Convertible 1SS, 2 Door Convertible 2SS, 2 Door Convertible ZL1, 2 Door Convertible 1LT, 2 Door Convertible 2LT).
The 2024 Ford Mustang has a December 2023 special interest rate of 4.90% APR. It is a 2 door convertible with 3 trim levels (EcoBoost Convertible, EcoBoost Premium Convertible, GT Premium Convertible).
The 2023 Mazda MX-5 Miata has a December 2023 special interest rate of 0.90% APR. It is a 2 door convertible with 4 trim levels (Grand Touring Auto, Sport Manual, Club Manual, Grand Touring Manual).
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