Unlike conventional auto financing, bad credit lenders look at your ability to pay, including your debt-to-income ratio, your monthly income, and the payment to income ratio of the car. They also consider job time, how long you’ve lived at your current residence, whether you rent or own and whether you have “situational” or “habitual” bad credit.

The first thing I would suggest doing is filling out our secure online car loan application at http://www.autocreditexpress.com/sem. If you have any questions before doing this, you can contact our customer service department at 866-902-4403 or by emailing us at support@goacegroup.com.

Unfortunately, for security reasons, we are unable to take customer credit applications over the phone.