Second Chance Auto Loans

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Second chance auto loans can help you get back on the road and get your credit back in shape. However your credit score got the way it is, second chance financing can provide the break you need to get things turned around. Also known as bad credit car loans, second chance auto loans can give you an opportunity to build better credit through on-time loan payments!

If you have bad credit, low credit, no credit, or have been turned down in the past due to a credit issue like bankruptcy or repossession, Auto Credit Express wants to help.

Still not sure if a second chance auto loan is right for you? Continue reading to learn more about the types of second chance auto loans and where you can go to get started.

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What is Second Chance Financing?

Second chance financing is another word for bad credit financing. Second chance auto loans are designed for car buyers struggling with credit issues and are only offered through certain dealerships that work with subprime lenders or finance loans in house. Here's a breakdown of the two types of second chance auto loans:

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Second Chance Auto Dealerships

Not all dealerships offer second chance financing. The ones that do don't always advertise this service, so it can be difficult to find a dealer that offers second chance financing. Subprime lenders are indirect lenders, so you can't approach them directly to apply for a loan. Your best bet is to find a local special finance dealership that works closely with subprime lenders and sitting down with their finance department to discuss your options, which is something Auto Credit Express wants to help make easier.

BBB Rating
as of 12/08/2023

Second Chance Financing Car Dealerships Near You

Second chance auto dealerships can work with car buyers who have fair, bad, terrible, or no credit, as well as with borrowers who've been through a bankruptcy or repossession. When your credit is poor, most traditional lenders aren't willing to take a chance on you. These lenders typically set a strict minimum credit score threshold you have to meet, and they may automatically turn down your application if yours isn't high enough.

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