When your credit is damaged, your options for auto financing of any kind are dramatically reduced. So, of course, walking into any old dealership and saying "finance me" is out of the question, and honestly, a waste of time. So, where do you go?

What Dealers Will Work with Me?

While there are plenty of dealers that will work with you, you need to work with someone reputable. That means you need to do your research. You don't want to get sucked into a contract that you'll regret later on.

If you don't have time to do this kind of research, that's okay. We have already done it for you. When you work with Auto Credit Express, we connect you with only the best lenders and dealers that specialize in helping those who are in situations similar to yours.

Why Won't Traditional Lenders Work with Me?

When a lender sees missed payments and delinquencies on your credit report, it gives them the impression that you cannot be trusted to repay your debts.

In order to get approved on an auto loan with poor credit, you will need to prepare yourself for two things: a higher interest rate, and the expectation of a ready down payment. Now, take note that I said "higher," not "highest." If you go into a dealership uninformed, they may try to take advantage of your situation by adding on the highest interest rate possible.

Our dealers work with lenders who don't do that. We know that you are trying to turn your current situation around, and so do our lenders and dealers. You can be sure that you are getting the best terms possible for your situation.

Alternative Options

Subprime and Buy Here Pay Here dealers are two options that can help you. Here's what you need to know:

  • A subprime loan can help you get into a new or used vehicle, as well as help you in repairing your credit by reporting all of your monthly auto payments to the credit bureaus.
  • Buy Here Pay Here dealers will not check your credit. They don't use banks or credit unions, and rely solely on your income to get you approved. These dealers work mainly with pre-owned vehicles, and you make your payments weekly or bi-weekly at the dealership. Also, since they don't need to run your credit, you will want to make sure that they report all of your payments to the credit bureaus.

We Know Where You Can Go

So, if you're at a dead end and feel like you're out of options, we can definitely help you. By filling out the simple and fast online application, we can find the trusted dealer or lender that will work with you. Saving you time and connecting you with the reputable help you need is what we do. Don't waste any more time, get to the dealer you need today!