How Does It Work?
Automobile financing with us offers flexibility that’s hard to find!
It depends on the price of the vehicle you want to buy, as well as the amount of money you put into a down payment. Taking those into account, we’ll work with you to figure out a payment plan that works for you.
The beauty of an auto loan is that the vehicle itself is the collateral. This means it’s even easier to qualify than if you were to apply for a personal loan.
Auto Loans
Hit the open road without further delay! We know you have places to be, so we’ve designed an application process that’s as fast as your dream car. Enjoy a variety of financing options of up to 60 months with a maximum of $50,000!
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Refinancing
You don’t have to be locked into your current car loan forever! Sometimes a refinance is in your best interest—yes, even if you have a lower-than-ideal credit score.
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Vehicle Protection Program
With over $3.5 billion in claims paid to date, you can be sure that in the event of an unexpected repair it will be handled, getting drivers back on the road quickly.
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Fast Funds When You Need Them!
Get funds fast and pay loans with your debit card.
- Apply in-store, over the phone, or online
- You have the option to receive funds on your debit or prepaid card
- Make a payment in-store, over the phone, or online
Don’t wait for checks to clear or worry about driving to a store. Bay Country Finance pushes funds straight to your debit or prepaid card so you receive funds when you need them.
Benefits of Auto Loans
- Fast, same day approval Maryland’s largest independent finance company
- A+ rated with the Better Business Bureau
- Financing for cars, trucks, and motorcycles
- Flexible rates up to 60 months
- Financing available up to $50,000
- An unbeatable vehicle protection program
Refinancing
You don’t have to be locked into your current car loan forever! Sometimes a refinance is in your best interest—yes, even if you have a lower-than-ideal credit score.
So why should you refinance? You could potentially:
- Lower your monthly payments
- Reduce your interest rates
- Shorten the length of your loan
- Improve your credit score
If your credit score has improved since you initially financed your vehicle, refinancing could save you money!
The minimum and maximum period for repayment are 12 – 60 months. The maximum Annual Percentage Rate (APR) is 18 -24%. Your terms vary based on personal information like credit history, income, expenses, debts, and acceptable collateral.
Let Us Reward Your Loyalty!
If You Are a Current or Former Valued Customer, Enjoy the Following Benefits on a New Loan with Us
- $25 Amazon Gift Card when your new loan closes*
- 45 days before your first payment is due
- “Instant Funding” directly to your debit card
- Plus, earn a $25 Amazon Gift Card for the referral of a friend or family member (Referring customer must close loan to become eligible).
*Any customer eligible for a Loyalty Gift Card must notify your loan officer at time of loan closing. Terms, conditions, and some restrictions apply. Not all will qualify.
