Why the search term no income auto loans is so high in Google is certainly a puzzle to those of us assisting consumers that are hoping to reestablish their car credit

What we know

Ever wonder about those advertisements for no credit check car loans, easy credit auto finance or no income auto loans? If you're someone with questionable credit, before clicking on the link you might want to consider an alternative solution.

At Auto Credit Express we know this is true because we've spent the past twenty years helping car buyers find the right kind of car dealers that can give them their best opportunities for car loan approvals if they've experienced credit problems.

What it really requires

The fact is, for consumers with credit scores below 500, currently in a bankruptcy or with a total household income of less than $1,000 a month, it is usually very difficult qualifying for an auto loan from a high risk lender. For someone faced with these circumstances, paying cash or buying from a local BHPH car dealer are typically the only choices.

On the other hand, many buyers searching for these elusive "no income auto loans" that have completed a bankruptcy, have a credit score in the mid-500 range or better and a gross monthly income of $1,800 (or more) often think they'll never qualify for an auto loan – especially if the lender needs to review their credit report. But in many cases, this isn't true.

Look at it this way: anyone that tries to entice applicants by advertising "no income" loans is only hoping to lure the most desperate car buyers. After all, how can anyone pay back a loan if they have no source of income? Secondly, it's almost a certainty that this type of loan will not improve anyone's FICO scores – something to consider if you don't want to find yourself in the same credit situation the next time you need transportation.

So consider this: imagine driving a more reliable car that's covered by a new car warranty or used car service contract while enabling you to reestablish your auto credit at the same time.

Sounds better, doesn't it?

Bad credit web sites

When you visit web sites such as ours at www.autocreditexpress.com, feel free to use the resources available to you. Loan calculators, will give you a reasonable idea of what you can afford, our videos are there to educate you about the auto loans process for people with poor credit and, to top it off, we also have live operators available during business hours who are anxious to answer any questions you might have.

You'll also notice that we make no pie-in-the-sky promises with regard to guaranteeing that your application will be approved. Unlike some sites that advertise "no income auto loans", the lenders our dealers work with have income requirements that applicants with poor credit must meet in order to qualify for an auto loan.

One more thing: We will promise to place your application with a dealer that will not only treat you with respect, but one that deals with a wide spectrum of lenders that cover most financial situations.

As we see it

There's an old saying - your odds of success improve dramatically when you fill out an application.

At Auto Credit Express we match applicants that have experienced credit issues with dealers that can offer them their best opportunities for approved car loans.

So if you're ready to establish your credit, you can begin now by filling out our online car loans application.