Auto loans for people with a bad credit history:
not as hard to get as you might think

Loan requirements

If you have a job and are not in bankruptcy, we can almost guarantee to find you a lender.

To qualify for one of our auto loans, you need a gross monthly income of at least $1,600, you must not have had a vehicle reposessed in the last 12 months, and you must not currently be in bankruptcy proceedings.

You must be a U.S. resident over 18 years of age.

We do not offer auto loans for private sales between individuals, we do not offer title loans, and we do not handle refinancing loans. We work exclusively through our nationwide dealer network and our loans cover both new and used vehicles.

Here's the story in three bullets:

• auto dealers have seriously expanded into the bad credit field in this field in recent years.
• the majority of Americans have at least one ding on their credit history, so you're not alone.
• The biggest thing sounds too good to be true, but it is: Dealers like customers like you. Seriously. And here's why.

Survey after survey has shown that poor credit history auto loan customers are grateful for the opportunity and therefore quite appreciative and loyal.

That's important for a car dealer because they spend hundreds of dollars per car when it comes to marketing. When you refer a friend to the dealership, or when you return to buy a second car, that's gold to a dealer, instant higher profits. And in today's hyper-competitive marketplace, that's huge.

There's another reason dealers like this particular market niche. Dealers generally wind up with cars on their lot, counting trade-ins and all, that cover a wide price range. The cars in the middle -- around $10,000 -- are the ones most attractive to lenders when making bad credit history loans. So it works out to be a win-win-win; banks are comfortable on the amount, dealers move cars, and you're not stuck in an old beater anymore.

Auto loans for people with a bad credit history: not as hard to get as you might think

Loan requirements

We specialize in helping people with bad credit histories. We do not, however, offer title loans or refinancing loans. All vehicles must be purchased through our network of participating dealers.

Auto loans for people with a bad credit history:
not as hard to get as you might think

We specialize in helping
people with bad credit histories.
We do not, however, offer
title loans or refinancing loans.
All vehicles must be purchased
through our network of
participating dealers.