Frequently Asked Questions

Yes. We have helped many people who have had repossessions secure auto financing. We can help you, too.

Yes. Just like repossessions, bankruptcy will not hinder you from getting approved. We have partner lenders that offer post-bankruptcy loan programs that will allow you to rebuild your credit.

Yes. You can get approved as long as you are capable of repaying the auto loan. You will be required to prove your income.

No problem. This will not hurt your chances of getting approved. In fact, this could improve your chances of getting approved, since most bad credit lenders consider fixed income as steady income. As long as you can prove that you're capable of paying and that you have enough fixed income, you can get auto financing.

Definitely. We have helped many first time car buyers in the past with our program. If you've never owned a car or never applied for an auto loan, we can help you get approved.

Absolutely. All our partner lenders report to the three major credit bureaus. So regardless if you have no credit or bad credit, we can help you build credit through auto financing.

While we prefer applications with monthly income over $1499 before taxes, lenders have the last say. Different lenders in different areas have different minimum income requirements.

We cannot give you a definite number as interest rates are determined by a number of factors. These include your credit score, your loan amount (how much you're borrowing) and your loan term (how long you will repay the loan). What we can tell you is that our interest rates are lower than others. Even the interest rates we offer for bad credit car loans are competitive.

The recommended down payment for a vehicle is 10 percent, but the amount you have to put down depends on a number of things, including your credit situation as well as the vehicle you are buying (i.e., new or used). If you qualify for a bad credit car loan, it would be better for you to put more down to improve your chances of getting approved.

Yes. Some of our partner lenders offer bad credit no money down car loans. Complete our application now or Contact us to learn more about our zero down auto loan options.

The recommended monthly car payment is no more than 20 percent of your take-home pay. Spending no more than 20 percent on car payments will help you ensure that you can pay off the loan.

Yes, All our dealers accept trade-ins. We can also help arrange to pay off your current vehicle if you want to trade it in but haven't repaid your loan in full.

Our partner lenders can help you with that. They usually add just a more to your loan amount to settle the difference, and the interest rate usually remains unchanged.