Cars Under $400 a month with a 650 Credit Score ≡ MENU

Get started today to buy a new or used car in
about 3 minutes with our easy loan request form!

Start Online and Get Driving!
Used Cars > $400 / month > 650 score

Best Buy Cars Under $400/mo with Average Credit

Best Buy used cars and trucks around $400 a month with no money down. All online used car and truck listings below are priced under 24,000 dollars for people with below average, average or fair credit ratings. Buy a car for less than $400 a month, with a credit score near 650.

Payments vary by FICO score, if your credit score is not in the 625, 650, 675 range, select one below to find the best used car that you can afford.

To find the best zero down payment auto financing rate that you qualify for either check your credit score, or request an auto loan under $400 with average credit before visiting local area used car lots.

Start Online and Get Driving

Start Here

Cities With Best Buy Used Car Listings


It does not matter if you have below average, average or fair credit with a credit score in the 625, 650, 675 range. Select a city below to find vehicle that you are able to own.

States with the Best Finance Deals for Average Credit

Use our website to find low priced, best buy, best value automobiles with payments in the 350, 400, 450 dollars per month range. Choose a popular state below to find a pre-owned car that you can buy, lease, or finance.

View Other Payment Options for Average Credit

Car Buyers are Searching for:

Read Our Legal Disclaimer

Monthly or weekly lending payments for people with credit are based on an estimated car loan term of 72 months and an auto finance interest rate based on a less than perfect credit with no money down towards the pre-owned luxury dealership's used car list price. Automobile sales tax, and local used car lot fees were not included when calculating an auto loan payment less than $600 a month, or under $149 per week. If you cannot budget money to pay the TT&L fees when buying a used car, add an additional $55 per month for every $1,000 borrowed from the auto loan lender.