Auto City
Auto City
Open today 9:00 AM to 8:00 PM
Open today from 9:00 AM to 8:00 PM

Challenged Credit? We Can Help!

You may feel like you’ve got the worst situation ever, whether it’s no credit, a low credit score, collection or delinquent accounts, repossessions, even bankruptcy. But you’re not alone. Millions of people are facing the same kinds of challenges. The best lenders have figured out how to serve all clients, no matter what their situation. Even better is when a bunch of those lenders are all doing their best to get your business, because that means you’ll be the ultimate winner.

Low Credit Score

Bankruptcy

Collections

Repossessions

It doesn’t matter what your challenge is, we can still get financing for your car. We’ll help you understand the options and advise you on what’s possible for your situation. Many of the lenders we work with have programs designed for any situation, and because they’re competing against each other for your business, you’ll be getting a better deal. Here’s the secure form for you to fill out:

Contact Information(Step 1 of 5)

Are you applying for financing for yourself, or jointly with a co-borrower?

Current Address(Step 2 of 5)
Employment Information(Step 3 of 5)
Consent & Verification(Step 4 of 5)
Confirmation(Step 5 of 5)

Here are some of the most commonly asked questions about financing and credit challenges:

Do you finance people with bad or challenged credit? How about first time buyers or buyers with no credit?

Yes we do! We help people with no credit, low credit, collections, repossessions, delinquent accounts, and even open bankruptcies each and every day. No matter what your credit issues, you are not alone. Millions of people have similar challenges, and there are many lenders and banks that want their business, and your business as well. We work with some of the best of these lenders. Let us go to work for you and find the right option. Please fill out our quick application now or learn more about financing and challenged credit.

For detailed information and a short video about the process please refer to our blog post: Bad Credit Car Loans at Auto City.

Do I need a co-signer?

In most cases a co-signer is not required. However, a co-signer with better credit and/or financial situation may help you get better terms. In some cases, however, we can only finance with a qualified co-signer. Please contact one of our friendly sales & finance advisors for more information.

Do you finance people with an open bankruptcy?

Yes, we do. We have a special program for customers undergoing bankruptcy proceedings. This program is designed to give you a fresh start and, in most cases, no down payment is required. Please contact us for more information or start by submitting a short financing application.

How much will my monthly payments be?

Your monthly payments will depend on factors such as the price of the vehicle, your down payment, length of the loan, and the interest rate. Please use our payment calculator to get an idea, or contact one of our friendly sales & finance advisors.

Can you check my credit before I come to the dealership?

Yes, we can! We can work on your application and check your credit if you submit a financing application that takes less than 5 minutes to fill out . We will then review your application and let you know by email or telephone if we need more information and will be happy to answer any questions you may have. You are only a few clicks away from a car loan! Apply now.

Can I get any car or there are some restrictions?

There are no restrictions. You can shop for any vehicle you can afford. Affordability and payment-to-income and debt-to-income ratios are some of the most important things lenders look at when evaluating your application for a certain vehicle. Please use our payment calculator to estimate if a vehicle you are interested in is affordable, or contact contact one of our friendly sales & finance advisors for more information.

Do you do in-house financing?

Auto City does not arrange in-house financing, a term usually referred to “buy-here-pay-here” dealerships. We’ve partnered up with some of the best auto lenders and banks in the industry, including many names that you will recognize such as Wells Fargo, CapitalOne, Chase, Ally, California Republic Bank, and many more. And yes, these lenders do have programs for people with challenged credit and they do want your business! Additionally, we also work with a network of specialized lenders with a focus on customers with challenged credit. Regardless of your situation, chances are good we can find a program for you. Fill out a short financing application to get started!

Will this loan report to my credit report?

Yes, your auto loan will be reported to the credit bureaus and if kept in good standing may help improve your credit.

How much money down do I need?

Down payment is often required for customers with challenged credit. The amount depends on many factors, most of which depend on the vehicle itself and your credit and financial situation. In order to know how much money down you need, please fill out a short financing application and we will let you know.

What are the credit situations that you cannot work with?

There are certain instances when we cannot finance a customer. However, these situations are unique and we have been able to help customers with a variety of seemingly impossible challenges. Some of the situations that make it harder to obtain financing include the following: No sources of income or income that cannot be verified, no driver’s license, and too many existing open car loans. Regardless of your situation, please contact our knowledgeable sales & finance staff to see if and how we can help.

Have more questions? Check out our common questions page.