Credit Details for Auto Loans

We can dramatically improve your chances with our nationwide auto loan lenders.

To qualify for a new or used auto loan, you need a minimum verifiable income of $2000, and you must be at least 18 years old and a U.S. resident.

Chapter 7 Bankruptcy OK: if creditors hearing has been completed.
Chapter 13 Bankruptcy: need permission letter from trustee.
Self Employed OK: must have 3 years tax returns with Schedule C for sole proprietors.

Auto Loan Limitations:

  • No auto loan refinancing or title loans available.
  • We do not offer auto loans for private party purchases (we don’t offer financing for you to buy a car from your neighbor).
  • New or Used Auto Loans approved through this special financing program are used to purchase vehicles from our certified dealer network nationwide.

What are the rates on these auto loans?
We do offer low rate auto loans for bad credit but there are several factors that will help determine your final auto loan rate:

  • If you are going to buy a new or used car.
  • How long you want to finance it (term of the loan).
  • Down payment amount, zero down payments are available.

What’s this really going to cost, payment wise?
There are a couple things that will really help you understand:
Know your credit score, if you don’t you can get a free credit report by clicking here:
Get My Credit Report
You can also get a very good idea of your monthly payments by using our free auto loan calculator. In general if your credit score is 725 or higher, you can get the best auto loan rates which currently are in the 6 percent range. If your score is between 625 to 725, youmay pay 7 to 10 percent, between 550 and 625, you might pay upwards of 16 percent and finallyif your credit score is below 550 you are most likely to see auto loan rates in the 17 to 20 percent range.

How long is it going to take for my auto loan?

The approval process usually is complete within the same business day for a bad credit auto loan. In the more difficult or worst credit situations it could take up to 48 hours. You can expect to be contacted within a couple hours if you applied from 7 am to 8 pm Monday – Friday. Here’s a special note to consider. If you have been denied for an auto loan in the past and been applying on every website you find: STOP!!! The only thing you are doing is lowering your credit score and damaging your chances for approval. Give the process time towork, if any one can get you approved it us, so please be patient. No one gets more customers approved.
Now that you are better informed, it’s time to get your auto loan approved!

4 Easy Steps to get an Auto Loan

Step 1: Submit the online auto loan application to get pre-approved fast.

Step 2: When we received your bad credit auto loan application, the auto loan lenders get to work instantly looking for the best rates. It's not unusual to get approved in a few hours.

Step 3: Either a local dealer or auto loan lender will contact you by phone to discuss final options for your new or used auto loan.

Step 4: This is always the best part – Get ready to visit the local auto loan center to finalize the loan documents and pick out the new or used car you always wanted. Be sure to ask because they guarantee the best auto loan rates for our customers.