West Virginia Auto Loans

West Virginia is the blue collar offshoot of Virginia, from which they seceded at the outbreak of the Civil War. West Virginia admires talented drivers, so much so that the state actually sells NASCAR license plates. The state is characterized by the hills and mountains that rise around the university town of Wheeling (no pun intended). Charleston, their capitol, has grown cosmopolitan in recent years and is home to the University of West Virginia which is renown not only for its football team but its scholarship as well.

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Auto Lenders & Loan Types in West Virginia (WV)

If you’re moving there or if you’re a resident looking to buy a car here are some suggested sources for an auto loan or lease:

• City National Bank provides loans for new and used cars, including pre-approved loans that you can carry onto the car lot with you.
  
• Ford Credit will supply auto loans for cars purchased from their network of Ford, Lincoln, Mercury, Volvo, Mazda, Jaguar or Land Rover dealers.
  
• Capital One Auto Loans will provide loans for new and used cars, for refinancing an existing loan and for lease buyouts.
  
• Lending Tree will take your online application and supply you with four loan proposals from qualified West Virginia lenders.
  
• Chase Bank offers loans for new and used vehicles, for refinancing car loans and for recreational vehicles.

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Financing Car Loans in West Virginia (WV)

A line of good credit provides an interesting opportunity for a pre-approved loan. Many institutions do it, and it is leverage to drive down the price on the car.

A poor credit history, on the other hand, won’t give you leverage on the sales lot but it won’t keep you from buying a car either. There’s strength in numbers, and more of us have blemished credit records than not. Some institutions like Capitol One have focused on the loan market for people with previous credit trouble. Others have learned that because the credit binges of the eighties and nineties have led to so many overextended borrowers that clean credit is the exception rather than the rule. Your job is to know your credit history as well as the credit bureaus that issue the reports. That puts you on an even playing field with the loan officer.

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West Virginia State Auto Loan Information

For questions on Washington state auto lending rules and regulations, contact the Department of Transportation or the Division of Banking:

West Virginia Department of Transportation
1900 Kanawha Boulevard, East
Building #5
Charleston, WV 25305

West Virginia Division of Banking
1900 Kanawha Boulevard, East
Building #3,
Charleston, WV 25305

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