Find the right program for your journey
Six financing solutions designed around real life — choose yours below.
Six financing solutions designed around real life — choose yours below.
A low credit score often reflects a difficult period — a medical emergency, job loss, or divorce — not a person's ability to repay a loan today. Our bad credit auto loan program uses our proprietary Common Sense Override approach, which evaluates your current financial circumstances rather than relying solely on historical credit data.
We consider factors such as length of employment, current income, monthly obligations, and housing stability. This holistic approach lets us approve financing for consumers who have been turned down by traditional lenders.
| Loan Amounts | $200 – $5,000 |
|---|---|
| Minimum Credit Score | No minimum required |
| Down Payment | Varies by applicant; may be as low as $500 |
| Loan Terms | 12 – 48 months |
| Vehicle Types | New and used cars, trucks, and SUVs |
| Credit Bureau Reporting | Yes — all major bureaus |
Expert Tip: Before applying, gather proof of income (recent pay stubs or bank statements), proof of residency (utility bill or lease agreement), and a valid government-issued ID. Having these documents ready speeds up the approval process significantly.
If you've never had a loan or credit card, your credit file may be "thin" or nonexistent — which can be just as challenging as having bad credit when you're trying to finance a vehicle. Our first-time buyer program is specifically designed for people who are starting from zero.
Instead of relying on credit history that doesn't exist yet, we focus on verifiable indicators of financial stability: your job history, your current income, how long you've lived at your current address, and whether you have references who can vouch for your reliability.
Expert Tip: If you're a first-time buyer, consider starting with a modest vehicle. A lower loan amount is easier to get approved, and your first auto loan is primarily a credit-building tool. After 12–18 months of on-time payments, you'll likely qualify for better rates on your next vehicle.
Bankruptcy is a legal process designed to give you a fresh start — and We believe your lending options should reflect that. Our post-bankruptcy program works with consumers who have open or recently discharged Chapter 7 and Chapter 13 bankruptcies.
An auto loan is one of the most effective credit-rebuilding tools available after bankruptcy. Each on-time payment is reported to credit bureaus, demonstrating to future lenders that you've regained financial discipline. Many of our post-bankruptcy customers see meaningful credit score improvements within the first year of their loan.
Expert Tip: If you're in an active Chapter 13 plan, you'll typically need written permission from your bankruptcy trustee before taking on new debt. Contact your attorney or the court to request this documentation before applying — it will speed up your loan approval.
Our credit rebuilding program is more than a loan — it's a structured path back to financial health. We report every payment to major credit bureaus (Equifax, Experian, and TransUnion), giving you the opportunity to demonstrate responsible borrowing with each monthly installment.
Our lending advisors also provide guidance on managing your overall credit profile while you're repaying your loan. Small steps — like keeping credit card utilization low and avoiding new hard inquiries — can accelerate your progress significantly.
Managing your auto loan should be simple. We offer multiple payment methods and scheduling options so you can choose what works best for your financial rhythm.
We work with a large network of dealership partners across 49 states. Each dealer in our network is vetted to meet our standards for customer service, transparency, and vehicle quality. When you're approved for a loan, you'll work directly with a dealer near you to select a vehicle that fits your budget and needs.
Our dealer partners gain access to our funding portal with 24/7 application submissions, instant approvals, and live funding updates — ensuring a smooth, fast experience from application to delivery.