Frequently Asked Questions

We do not have a minimum credit score requirement. We use a common-sense lending approach that evaluates your full financial picture — employment history, income stability, residency, and more — alongside your credit profile. Consumers with scores below 500 or no score at all are welcome to apply.

Our loan amounts range from $200 to $5,000. The exact amount depends on factors such as the vehicle value, your income, and your repayment capacity. Our team works with you to determine the right loan amount for your situation.

No. Our pre-qualification process uses a soft credit inquiry that does not impact your score. A hard inquiry only occurs if you choose to move forward with a formal application after reviewing your pre-qualified offers.

Yes. We have a dedicated post-bankruptcy financing program for both Chapter 7 and Chapter 13. Whether your bankruptcy is open or recently discharged, we can work with you to find financing options. For Chapter 13, you'll typically need written approval from your bankruptcy trustee.

You'll need proof of income (recent pay stubs or bank statements), proof of residency (utility bill or lease), and a valid government-issued ID. Post-bankruptcy applicants should have their discharge papers or trustee approval letter. First-time buyers may also need 2–3 personal references.

Many applications receive a pre-qualification decision within minutes. Full approval, including document verification, typically takes 24 to 48 hours. Having all required documents ready when you apply can speed up the process significantly.

United Auto Credit finances new and used cars, trucks, and SUVs through our dealer partner network. Vehicle eligibility depends on factors such as age, mileage, and value. Your dealer partner can help you find vehicles that qualify under your approved loan amount.

Loan terms typically range from 12 to 48 months. The specific term offered depends on your loan amount, vehicle, and financial profile. Our team will present you with the available options so you can choose the monthly payment that fits your budget.

No. We do not charge prepayment penalties. You are free to pay off your loan early without any additional fees. In fact, we encourage it — paying early can save you money on interest.

United Auto Credit has dealer partners across 49 states. Our financing programs are available nationwide, with some state-specific variations in terms based on local lending regulations.

We offer multiple payment options: online one-time or recurring payments through your account portal, automatic ACH withdrawals from checking or savings accounts (bi-weekly or monthly), and payment by phone through our customer service team.

Yes. You can request a one-time due date change during the life of your loan to better align with your pay schedule. To qualify, your account must be current or brought current when the new date takes effect. Contact customer service to make this change.

Yes. We report your payment history to major credit bureaus including Equifax, Experian, and TransUnion. Consistent on-time payments can help improve your credit score over time, potentially allowing you to refinance at better rates in the future.