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Frequently Asked Car Loan Questions

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Hopefully we can answer any of your car loan questions here, however if you have a question that is not answered here please do not hesitate to contact anytime by phone or email – Contact Us


Is there a fee to apply for a bad credit car loan on this site?

Nope! There is absolutely zero cost to fill out our car loan application online. No Hassle. No Obligation.


My credit is really bad!!! Can you still help?

Life happens, and sometime not in a good way! We understand that sometimes good people end up with bad credit. We believe everybody deserves a second chance and the opportunity to own an affordable quality car that they are proud of.

As bad as you think your credit might be, we have probably helped someone in a worse situation. No matter what your credit situation is, we will find a way to get you a car loan!


What happens to my information after applying?

We feel blessed that you trust us enough to send us some of your personal information and we guarantee 100% to keep it private. You will notice that when filling out the online application we do not ask for any real sensitive information like your SIN#, Banking info, Driver’s license or anything like that, all we need to get started is some very basic info and we will call you prior to pulling and credit information.


When do i know how much i quality for?

An exact amount for an auto loan depends on your credit situation. It’s only after you have submitted your credit application we can determine what amount you can qualify for. So get that application submitted now!


Does making requests for credit affect my credit score?

Yes it does! The amount of credit requests a person makes is one of the factors that credit bureaus use to evaluate a credit score. That is why it is important that you do not submit inquiries to too many dealerships! Some dealerships shop your credit around to all of the banks which in effect will damage your credit score, which means you could end up with a higher interest rate, higher downpayment, etc. It could also hurt your chances at an approval. At, we first pull your credit history and then we discuss your car loan credit options with you prior to submitting ANY requests.


Do I need to provide a large down payment to obtain a car loan approval?

Not necessarily, depending on your credit, we may be able to secure a bad credit car loan without any down payment whatsoever! In many cases, your credit may not be as bad as you think and we are able to find solutions to avoid or limit a down payment. In cases that are less fortunate where a down payment is required, we can still find ways to make financing affordable, especially with the availability of a co-signor. Apply for bad credit financing today to find out what situation applies to you!


How can we guarantee approval?

From major banks and credit unions to private lenders and in-house financing and lending, we have a diverse network of lenders. These resources enable us to offer loans to ‘riskier’ credit scores, and finance virtually any credit situation on the same day as application!


How do I know my interest rate for an auto loan?

The interest rate you qualify for is personalized to each individual applicant. Our interest rates range from 0% to 29.5% after a thorough investigation into your credit rating and history. To learn more about your the interest rate you qualify for, start by filling out our no risk Online Car Loan Application, one of our vehicle financing specialists will contact you shortly to help you with your application and get the best rate for you.


What do I need to qualify?

With a 99% approval rating, almost anyone qualifies, whether you’re in the market for a used car loan, a new car loan, or someone with less-than-perfect credit and you’re looking at bad credit auto loan financing. Simply fill out and submit our fast and easy online auto loan application, and you’ll be well on your way to not only qualifying, but getting approved and into the car of your dreams today!