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Apply for a Bad Credit Auto Loan

Rebuilding Through Bad Credit Auto Loans

Auto Credit Express instantly and confidentially processes your information and provides you with an auto loan pre-approval at one of our network auto dealerships nationwide. And we do it for FREE! Since 1995, Auto Credit Express has helped thousands of people get auto loans for bad credit. Many of our dealers will have you in the perfect car, with little or no money down, and within your budget - all 48 hours.

How Easy is our Bad Credit Auto Loan Program

Simply complete our free and easy auto loan application. There is no obligation. One of our local auto dealer partners will contact you with 24 hrs. with the amount you have qualified for. Next go to the dealership and choose from the wide variety of in stock new and used cars. Our nationwide network of auto dealerships, which spans across all of North America including Canada, offer all makes and models for you to choose from. Fill out our simple online application and a representative will contact you shortly.

Bad Credit Auto Loans - List of Items Needed

By bringing the following items with you to the dealership the bad credit auto loan process can move a fairly fast pace, often time within 24 hrs.
  1. Your last 2 pay stubs showing year to date income.
  2. Copy of your phone bill.
    Lenders want to see the same address on the phone bill that you put down for your residence.
  3. Try to come up with as much money as you can to use as a down payment.
    The more equity you have the better chance you have of getting a bad credit auto loan.
  4. Enough cash on hand to cover car insurance.
    The bank will require insurance with the loan, remember a car used as a trade-in is considered the same as cash to most lenders.


If you are looking to buy a new or used car you can get an auto loan much easier these days with bad credit, poor credit, fair credit or no credit at all. Poor credit, bankruptcy or bad credit auto loans are no problem with Auto credit Express!



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