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In-House Financing - Car Dealerships that Finance

If you've been searching for a car dealership in your area that does their own auto financing, we can help you find the one that best suits your needs. Auto Credit Express has helped over a million people suffering from bad credit find the dealerships that have been willing to work with them to get auto loans with low down payments. We have a trusted network of in-house financing dealers that can get you approved and driving away in your new or used car the same day.

What is an In-House Financing Dealership?

When the economy took a nosedive a few years ago, millions of people's credit scores were hit hard, leaving them with poor scores. Most lenders wouldn't take these customers seriously because they saw them as high risk borrowers. And that left these potential buyers with few options. This is when in-house dealer financing became so popular. These car dealerships for people with bad credit offer guaranteed approval to anyone as long as they have the income to make the payments.

With proof of income and a stable residence history, you can get your hands on a local used car with little as $500 down. The process of applying for these car loans is simple and quick. Many dealers don't even require a credit check. All you need to do is apply online and Auto Credit Express will set up an appointment for you to meet with the nearest dealer who is able to provide you with what you're looking for. Once you have met with their financial specialists to figure out your budget, they will help you find an affordable car that fits your needs.


There are many reasons to use in house financing. Millions of people throughout the United States and Canada have chosen to go with this type of financing, and have experienced the following benefits:

Realistic Car Shopping
When shopping at standard dealerships that focus on traditional auto lending and leasing the process of buying a car is very different. Usually you pick out the car that catches your eye first, and then figure out the financing. That is not the case at in-house dealerships. First you meet with the finance manager to figure out your budget, what you can afford monthly and overall. They then take you out to the lot and help you find the vehicle that you can afford. This saves you from the disappointment of getting your heart set on a car, truck, or SUV you can't have.

No Credit Check
Bad credit or no credit will not stop you from obtaining a car loan from your local in-house financing dealership. In fact, these dealerships generally don't even do credit checks when you apply with them. This means that all they need to approve you is the proof that you will be able to afford the weekly or bi-weekly car payments, and that you have a steady residence.

Dealership Only Programs
Many dealers, even buy here pay here auto dealerships, have started offering special promotions and rebates to those customers who finance through their dealerships. However, choosing to go through a third party lender such as GMAC, Toyota Financial, your bank or your credit union will make you ineligible for these offers. So, be sure to carefully weigh your options.

Get Approved Today If you're currently suffering from poor credit, and you're in need of a vehicle quickly, apply online today. We can help find a dealership close to your home town, and you could be driving away in your new used car today. Auto Credit Express has a nationwide network of dealerships, so if you live in the United States or Canada and have a steady income, we may be able to help. Get Approved


Although In-House finance can be easy to get, there are downsides to it as well. The biggest disadvantages customers have commented on are:

  • Higher interest rates
  • Doesn't always help rebuild credit scores
  • Some dealers make you pay at the dealership

Because most customers looking for this type of financing solution have less than perfect credit, the auto loans tend to come with slightly higher interest rates than normal car loans. Bad credit customers are looked at as high risk borrowers, because there is more of a chance they will default on the loan. Auto Credit Express works with dealers that help you get the most competitive rates available, so you can keep your car loan within your monthly payment budget.

Some auto loans obtained in house will not help you to rebuild or reestablish your credit score because some car lots do not report to the three major credit bureaus:

  1. TransUnion
  2. Equifax
  3. Experian

Dealerships that don't perform credit checks before granting you a car loan are not obligated to work with the credit agencies, so there is a chance that they will not report your on-time payments. If you do make your payments on time, they will provide you with a letter stating you did so once your loan is paid off in full. But generally, once you buy from one of these dealers you will be doing so again for your next vehicle, unless you have used other avenues to repair your credit, such as a mortgage or credit cards.

Finally, since the loan is given to you from the dealership itself and therefore they also require that you make your payment at the dealership. Whether it is monthly, bi-weekly, or weekly, this may pose a problem or inconvenience if you don't live or work by the dealership.

Vehicle Quality and Selection

The vehicles that are on these lots are generally used cars. This doesn't mean that they are not dependable or reliable, with rust spots and smelly interiors. Instead, the vehicles are three to four years old with low miles and a dependable engine. However, there are some that offer new vehicles as well.

Most of the lots that Auto Credit Express works with offer certified pre-owned vehicles, which means they have been inspected by a mechanic before being put up for sale. Most of the cars, trucks, SUVs, and minivans will not have a manufacturer's warranty anymore, but often an additional warranty can be purchased.

In-House Financing Video Resources
  • Trade Ins and Bad Credit Auto Loans Trade Ins and Bad Credit Auto Loans - 2:09
    In this video, Auto Credit Express discusses using a trade in as a down payment for a bad credit auto loan.
  • Terminology - Credit Report Terminology - Credit Report - 1:08
    In this series of videos, Auto Credit Express defines some of the most commonly used terms that you may encounter during a bad credit auto loan application process.
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Other Articles
  • About Philadelphia PA In-House Financing
    When you live in Philadelphia or nearby and have very poor credit score, look into in-house financing to get in a vehicle regardless of your credit.
  • Why Use In-House Auto Financing?
    There are many reasons why you should use in-house auto financing, but the best reason is that nearly anyone can be approved to purchase a new or used vehicle.

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