All credit, all paths to approval
Auto Financing — Built for Every Credit Type
Whether your credit is excellent, average, recovering, or unproven, the right lender exists in our 15+ lender network. We match your file to the right program.
Programs by credit type
- Prime credit: See our 0.99% APR program on qualifying vehicles.
- Average credit: Standard auto loans through our prime lender network at competitive rates.
- Bad credit, repo, BK: See bad credit auto loans.
- No credit history: See first-time buyer programs.
- BHPH-style approval: See our BHPH-equivalent program.
- Credit application only: See no credit check financing.
Why the lender network matters
Single-lender dealerships have one yes/no answer. We work with 15+ lenders, each one specializing in a different slice of the credit spectrum. Your file goes to the lenders most likely to approve it, not the same one for every applicant.
The result: more approvals, better terms, fewer dead ends.
Pre-approval before you shop
Apply at our application page for a pre-approval. You will know your real budget before you walk the lot. See our pre-approval page for details on how the process works.
Talk to a finance manager
If your situation has moving parts — prior repo, recent BK, self-employed income, multiple jobs — calling first saves time. (321) 241-4116.
