Can I Get Financing Without a Credit Check?

There are ways to get financing without having to go through the credit screening process. Having a damaged credit history is certainly a major setback, but definitely not a deal breaker.

The Options Available to You

When you are looking for easy auto financing that doesn’t need a credit check, you have a couple options.

Can I Get Financing Without a Credit Check?

  • Purchasing a car from a private seller. If you have some money saved up, you might consider buying from an individual rather than a dealership. However, what you have in cash will narrow your scope as to what you can buy. Also, if you don’t have an expert to inspect the vehicle, you will need to become an expert on the car you are interested in. Since the age and background of the vehicle will likely be an issue, you will need to be extra careful on your purchase. Be ready to put a lot of time and research into it.
  • In House Financing. If you are low on savings and in need of a vehicle, these types of dealerships may be able to help you. Also known as Buy Here Pay Here dealerships, they don’t deal with a third parties such as banks and other lenders. This means that they do not require a credit check; just verification of your employment, income and identity. However, with this simple approval comes the tradeoff: high interest rates and the chance of being stuck in a substandard vehicle. Furthermore, since they don’t require a credit check, they will not report your on time payments to the credit bureaus.

If neither one of these options seem like ideal choices to you, there is one more option for you to consider.

What You Want Matters

Since 1999, we here at Auto Credit Express have made it our mission to help people just like you get auto financing and help you rebuild your credit. We have a vast network of dealers that can help; this makes it easy for us to find a dealer in your local area that can help you. We can get you into the quality car, truck or SUV that works for you. Our quick and easy application makes it easy for you to get back on the road fast!

So instead of taking that money you saved and pouring it into a old junker or going to a BHPH dealer and getting stuck in a long term lemon, come to us; we can help you!

Posted on July 5, 2014 by in Auto Loans
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