Here goes: If you're over 18, if you have a gross monthly income over $1,800, if you are not currently in bankruptcy proceedings, and if you have not had a vehicle reposessed within the last 12 months, you are virtually assured of qualifying.
Our bad credit auto loans are available only through reputable auto dealers. People ask us why we do that and we tell them it's because that's how finance companies, credit unions and banks work -- through dealers. After you apply, you'll be contacted by a local loan officer and asked to set a personal appointment. Face-to-face meetings are the best way to protect against identity crimes, and they carry the extra benefit of allowing you to drive off the lot on the same day.
Because our bad credit car loans are dealer-exclusive, we cannot offer loans for private sales, we cannot offer refinancing loans and we cannot offer auto title loans.
The interest rate on your car loan will depend on a number of factors, including your credit score, your debt situation, the age of the vehicle, and your stability in your home and your employment. Remember, your online application puts you under no obligation. If you like the terms and vehicles, drive way; if not, walk away. Simple as that.