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In-House Financing - Car Dealerships that Finance

If you've been searching for a car dealership that gives out their own auto loans in your area, chances are your credit scores are not ideal, and that's okay. At Auto Credit Express we have helped over a million people suffering from bad credit find a dealership that will work with them to get an auto loan with a low down payment or even no down payment at all. We have a network of in-house financing dealers that can get you approved in minutes and driving away in your new or used car the same day.

What is an In-House Financing Dealership?

With the economy taking a nose dive a few years ago, many people's credit scores were hit hard leaving them with a poor score. Most traditional lenders wouldn't look at these customers because they saw them as high risk borrowers and left the consumers feelings hopeless. This is when in-house dealer financing became so popular. These car dealerships for people with bad credit offer guaranteed approval to anyone as long as they have the income to make the payments.

With proof of income and a steady residency, you can get your hands on a local used car with little as $500 down or even no money at all. The process of applying for these car loans is simple and quick. Some don't even require a credit check. All you need to do is apply for a pre-approval on the internet, and Auto Credit Express will set up an appointment for you at the nearest car lots around you who can give you what you're looking for. Once you meet with their financial specialists to figure out your budget, they will help you find the car that you can afford and that will fit all of your vehicle needs.


There are may reasons to use in house financing. Millions of people throughout the United States and Canada have chosen to go with this type of financing with no regrets. They have experienced the following benefits:

Realistic Car Shopping
When shopping at traditional car places that focus on traditional auto lending and leasing the process of buying a car is different than at an in-house dealer. Usually, you pick out the car that catches your eye first, and then worry about the financing. That is not the case at these dealerships. First you meet with the finance manager to figure out your budget, and what you can afford monthly and over all. They then take you to the used car lot to help you find the vehicle that you can afford. This prevents you from getting your heart set on a car, truck, or SUV you can't have.

No Credit Check
Having bad credit or no credit will not stop you from obtaining a car loan from your local in-house financing dealership. In fact, they generally don't even do a credit check when you apply with them. This means that all they need to approve the loan is proof that you will be able to afford the monthly or weekly car payments and that you have a steady residence, in case you default.

Dealership Only Programs
Many dealers, even buy here pay here auto dealerships, have started offering special promotions and rebates to those customers who finance through their dealership. Choosing to go through a third party lender such as GMAC, Toyota Financial, your bank, or your credit union will make you ineligible for these programs and could cost you thousands of dollars extra.

Get Approved Today for In-House Financing If you're currently suffering from poor credit, and you're in need of a vehicle quickly, apply online today. We can help find a dealership close to your home town that offers in-house financing, and you could be driving away in your new used car today. Guaranteed approval for everyone is available through Auto Credit Express's nationwide network of dealerships, so if you live in the United States or Canada and have a steady income, you will be approved. Get Approved


There are down sides to every decision you make in life and, unfortunately, it is no different with these type of car sales. The biggest disadvantages customers have commented on are:

  • Higher interest rates
  • Doesn't always help rebuild credit scores
  • Some dealers make you pay at the dealership

Because most customers looking for this type of financing solution have less than perfect credit, the auto loans tend to come with slightly higher interest rates than normal car loans. Bad credit customers are looked at as high risk borrowers, because there is more of a chance they will default on the loan. The dealerships that Auto Credit Express deals with help you get the most competitive rates available to you so you can keep your poor credit car loan within your monthly payment budget.

Some auto loans obtained in house will not help you to rebuild or reestablish your credit score because some car lots do not report to the three major credit bureaus:

  1. TransUnion
  2. Equifax
  3. Experian

The dealerships that don't perform a credit check before granting you a car loan have no ties with the credit agencies. If you do make your payments on time, then they will provide you with a letter stating you did so once your loan is paid off in full. But generally, once you buy from one of these dealers you will be doing so again for your next vehicle, unless you have taken out a different line of credit such as a mortgage.

The loan is given to you from the dealership itself and therefore they also require that you make your payment at the dealership. Whether it is monthly, bi-weekly, or weekly, this can pose a problem or inconvenience if you don't live or work by the dealership.

Vehicle Quality and Selection

The vehicles that are on these lots are generally used cars. This doesnÂ’t mean that they are not dependable or reliable, with rust spots and smelly interiors. Instead, the vehicles are three to four years old with low miles and a dependable engine. However, there are some that offer new vehicles as well.

Most of the lots that Auto Credit Express works with offer certified pre-owned vehicles, which means they have been inspected by a mechanic before being put up for sale. Most of the cars, trucks, SUVs, and minivans will not have a manufacturer's warranty anymore, but often an additional warranty can be purchased.

In-House Financing Video Resources
  • Terminology - Credit Report Terminology - Credit Report - 1:08
    In this series of videos, Auto Credit Express defines some of the most commonly used terms that you may encounter during a bad credit auto loan application process.
  • Co-Signing for a poor credit auto loan Co-Signing for a poor credit auto loan - 1:34
    In this video, we explain exactly what you are agreeing to when you decide to co-sign for a problem credit auto loan.
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Other Articles
  • About Philadelphia PA In-House Financing
    When you live in Philadelphia or nearby and have very poor credit score, look into in-house financing to get in a vehicle regardless of your credit.
  • Why Use In-House Auto Financing?
    There are many reasons why you should use in-house auto financing, but the best reason is that nearly anyone can be approved to purchase a new or used vehicle.

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