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Get started with your next car loan, personal loan, or mortgage application.
Contact our team for fast loan approval.
Contact our team for fast loan approval.
Shelbyville
Loan Options for Borrowers
With Bad Credit
In 2021, the average credit score in the state of Tennessee was 682. On the scale of Bad to Excellent, this is only a Fair score. If your credit score is not Good or Excellent, you may struggle to find fair financing options. Either you fail to pass loan approval or banks charge you high interest rates.
Midstate Finance Company specializes in loans for people with low credit scores. Our rates fall right in the middle of banks and those of a check-cashing company.
Midstate Finance Company specializes in loans for people with low credit scores. Our rates fall right in the middle of banks and those of a check-cashing company.
Fast Loan Approval
Start your application, provide proof of income, and get your loan approved quickly.
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Get Started ➠
Loans for Bad Credit
We'll work with credit scores as low as 550 for mortgages at 600 for personal loans.
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Get Started ➠
Flexible Financing
Submit timely payments for a period of 6 months to 18 months for personal loans.
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Get Started ➠
Individual Car Loans in Shelbyville, TN
Get fast approval with car loans from Midstate Finance Company Inc. in Shelbyville, Tennessee. You are able to choose from a purchase car loan or title loan for vehicles. Our team works with individuals who have credit scores as low as 500. In addition, we offer financing of up to 60 months for both loan types.
Loan Requirements:
We make it easy to secure a car loan. Simply bring the required documentation and complete your application. We can often get your financing approved that same day.
Purchase Car Loan Requirements:
Title Loan Requirements:
Purchase Car Loan Requirements:
- Valid Driver's License
- Proof of Income
- Minimum Credit Score of 500
- Low Down Payment Amount
Title Loan Requirements:
- Valid Driver's License
- Proof of Income
- Clear Title for the Vehicle
Frequently Asked Questions
What is a bad credit car loan?
A bad credit car loan is the same as a regular car loan, but with different rates. Not every lender offers loans to people with lower credit scores. Many banks refuse applicants or charge a high interest rate.
As of 2021, the average credit score in the state of Tennessee was 682. For people with credit scores deemed Fair (630-689) or Bad (300-629), it can be difficult to secure a good loan. But, there is no minimum credit score required for an auto loan — you just need to find the right lender.
We specialize in loans for people with low credit scores. Our minimum score requirement is 500. Our rates fall right in the middle of banks and those of a check-cashing company.
As of 2021, the average credit score in the state of Tennessee was 682. For people with credit scores deemed Fair (630-689) or Bad (300-629), it can be difficult to secure a good loan. But, there is no minimum credit score required for an auto loan — you just need to find the right lender.
We specialize in loans for people with low credit scores. Our minimum score requirement is 500. Our rates fall right in the middle of banks and those of a check-cashing company.
What are my repayment options?
Once you've been approved for your auto loan, you'll be expected to make timely payments for a specified period. The longer the financing period, the lower your monthly payments can be. We offer flexible financing periods of up to 60 months. Your actual repayment period will depend on the terms of your specific loan agreement.
How long does it take to get approved?
We've helped many of our customers get approved for a car loan on the same day.
How do I get approved?
Visit MidState Finance Company to speak with one of our loan specialists. You'll need to bring a driver's license and proof of income. We'll work with you to get the loan you need.