Have income? You’re approved! Down payments are as low as $500.00 (plus tax and tags). Bad credit, no credit, slow credit, good credit? NO PROBLEM! We accept buyers have had credit problems like bankruptcy, repossession, divorce and more. We work with multiple sub-prime lending companies and can get anyone financed.

  We don't care about your credit. We utilize a network of lenders that will finance even those with bad credit history. What our lending partners care about is your "stability and ability" or your ability to pay and the stability of your current situation.  Apply on our website for special financing and get an answer in minutes!


Program Requirements


  • Income - We accept any form of income as long as it can be verified via pay stubs, bank statements, job letters etc. Regular employment, fixed income, self-employment or any type of income that can be verified.

  • Residence - You'll need to have a regular residence where you can receive bills.

  • Down Payment - Down payment amounts vary depending on your situation and the type of car you want to purchase. They can be as low as $500.00. Most are a little more. It depends on you. Don't forget! We take trade-ins and if you have a trade to sell, you can use the value of your trade towards your down payment.



Required Documents

  • Identification

  • Proof of Residence

  • Bring a bill. It can be a utility bill or phone bill. Just make sure it includes your name and address.

  • Proof of Income

REGULAR WAGES: If you are a regular W-2 type employee, bring your pay stubs.

SELF-EMPLOYMENT: If you are self-employed or receive income but not pay stubs, bring whatever proof you have of the income. If you are unable to obtain any verification, you will need to bring bank statements as your proof of income.

FIXED INCOME: We accept all types of fixed income as income like pensions, SSI/SSD, and unemployment. Any fixed income that can be verified by award letter or deposits to your bank account will be accepted.

  • Insurance - You will need to get insurance if you  don't already have a policy. If you don't have insurance, we can help you get it at the dealership.

  • Down Payment -We take cash, check, money orders and credit cards. If you are writing a separate tax check, make sure you bring a check. If you are using a trade toward your down payment, make sure you bring the title to the vehicle.


We look forward to giving you a second chance at an auto loan! Click Here to apply online! We guarantee and approval by email in 10 minutes or less! And don't forget! If our special financing program doesn't fit your situation, we also have the Buy Here Pay Here guaranteed financing program with no credit check!