The search term no income auto loans is high in Google but that is puzzling to those of us helping consumers with problem credit
The Truth about No Income Auto Loans
Our experience

Have you ever wondered about those advertisements for no credit check auto loans, easy credit car finance or no income car loans? At least in our opinion borrowers with less than perfect credit might want to consider something else before clicking on the link or picking up the phone.

Here at Auto Credit Express we understand all of this because for the past two decades we've been helping consumers with bad credit searching for online auto loans find the kinds of car dealers that can give them a chance for auto loan approvals.

The real story

The fact is that car buyers with FICO scores below 550, currently in a bankruptcy or with a total household income of less than $1,200 a month have very little chance of qualifying for a car loan through a subprime lender. Most consumers facing these circumstances will end up either paying cash for a vehicle or financing one from a BHPH car dealer.

On the other hand, many buyers searching for what they think are "no income auto loans" that have successfully 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 believe they'll never qualify for an auto loan – especially if the lender needs to review their credit report. But in the majority of 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 way to pay it off? Secondly, it's almost a given that this type of loan program will not reestablish someone's auto credit – something for borrowers to consider if they don't want to find themselves in the same credit situation the next time they need a car.

So we ask buyers who meet most high-risk lender's minimum requirements to consider this: imagine driving a more reliable car that's either covered by a new car warranty or a used car service contract while enabling you to reestablish your car credit at the same time.

Sounds like a better deal, doesn't it? Here's how it works:

Web sites

By visiting web sites that support these types of programs, such as ours at, applicants are able to use the resources available to them. Loan calculators can give them a reasonable idea of what they can afford, videos can educate them about the subprime auto loans process and, to top it off, there are also live operators available during business hours who are anxious to answer any questions they might have.

We also make no pie-in-the-sky promises with regard to guaranteeing that an application will be approved. Unlike some sites that advertise "no income auto loans", the lenders our dealers work with have income and residency requirements that must be met in order to qualify for a car loan.

One more thing: We promise to place applicants with dealers that will not only treat them with respect, but also deal with a wide spectrum of lenders that cover most credit situations.

The Bottom Line

There's an old saying - the odds of success improve dramatically once you fill out an application – which is where we come in.

Auto Credit Express matches people that have experienced credit difficulties with new car dealers that can offer them their best opportunities for approved auto loans.

So if you're ready to reestablish your credit, you can begin now by filling out our online auto loan application.