Q: Can you provide me with a list of the dealers in my area?
A: No. Over five hundred used car dealers throughout the USA and Canada subscribe to our service, however, not every dealership will accept your application.  To avoid numerous inquires, only one used car dealer will process your application. Our technology will place you with the closest dealer, based on zip code, that excepts your application.

Q: How much money down will I need?
A: Many people with bad credit that have used our car loan services have been approved to buy a car with zero money down. There are situations, however, that may require a down payment, for examples:

Often, if a money down is required, a trade-in can be used as money down.

You may need money down if you select a vehicle that is more expensive than the approval amount.

You may need money down if you are trading in a vehicle and you owe more money than the trade-in is worth.

You may need money down if your a first time buyers with no credit score, usually at least the first payment.

You may need up to 20% money down if you have really bad credit, such as recent repossession.

Q: What are the Interest Rates?
A: Interest rates vary, but the fact is you will get the rate that you deserve.  If you had good credit in the past and your credit problems can be isolated to a single economic disaster then you deserve a much lower rate than a person with a long history of credit problems, such as multiple bankruptcies, multiple repossessions, and a history of writing bad checks.

Q: How long does it take, can I get an instant auto loans?
A: There are many things you can get in an instant, if you have bad credit, an auto loan is not one of them.  Each application is processed by a human.  Often, an employment verification is conducted before the loan is approved.  This takes time, but can normally be achieved the same day, if you apply for a used car loan before 4:00 pm.

Q: Am I guaranteed auto financing?
A: Legally, no company can make a blanket statement the everyone is guarenteed for auto financing, if they do be leery.

Q: Is there a credit check?
A: Yes. Prior to submitting the application you have to agree to a credit check.  If you want to buy a car with no credit check search for a "We Finance" or "Buy Here Pay Here" dealer. If you finance a car with no credit check chances are that the payments that you make will not be reported to the three major credit bureaus.  In other words, if you are looking to rebuild your credit, you should get an auto loan from a lender that reports your good payment history to the credit reporting agencies.

Related Content:

1. Used Car Warranties
   1. Private sellers do not have to offer any kind of warranty when they sell their vehicle. Choosing to buy from a private seller will make the purchase labeled “as is”. You will be responsible for any maintenance costs that may arise after you have bought the vehicle.
2. Used Car Financing Calculator
   1. Are you preparing to buy a used car? Are you unsure of what you can afford each month? A used car financing calculator will give you the exact amount of what your budget will safely allow you to spend each month on a car payment.
3. Used Car Guide
   1. A used car guide can actually be very misguided. Be careful when you decide to use a used car guide to purchase a used vehicle.