Fast and Easy Car Financing Regardless of Credit History

Planning to purchase a vehicle? Get the car you want without going through the usual time-consuming and difficult borrowing process. Enjoy fast and efficient bad credit car loan approval regardless of your financial challenges and your credit history.

Whether you have good, fair, bad, poor or no credit at all, with AllCreditCarLoans, you’ll find a car loan that is suited to your needs and budget.

Our reliable lender-partners specialize in car loans and will guide you every step of the way — from the time you submit your application all the way to the day when you drive home your new car.

Put Yourself in the Driver’s Seat

By working with us to get pre-approved for financing before going to the dealership, you separate car financing options from dealer price negotiations and get the best deal possible.

Looking For Bad Credit Car Finance?

Getting the best deal on autoloans for bad credit can be tricky — especially in The United States. That’s why you need a partner who knows how to get you approved for the bad credit car loan that you want with no hassle. AllCreditCarLoans network of finance partners can provide quick bad car loans for those whose credit is less than stellar.

Once you apply, we’ll forward your application to the lending partner that is best suited to your needs. They will communicate directly with you to complete the quick loan process. You could get pre-approved for bad credit auto loan financing within minutes after applying.

So, no matter what your credit situation, if you are looking for bad credit car financing near you, we can help. Apply today and you could be driving your new car tomorrow!


Why Choose Us For Your Bad Credit Auto Loan?

AllCreditCarLoans Follows A Simple 1-2-3 Process

No need to wait for hours at the dealership or submit tons of paperwork. No need to worry about your credit history. With AllCreditCarLoans, everything is as easy as 1-2-3.

Submit Application Online
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This process takes only around five minutes to complete. Our application page is safe and secure, so you don’t have to worry about the safety of your information. In addition to this, we do not ask you to fill out a lengthy application. Everything is done online. There are also no extra fees or hidden charges. Applying is FREE.
Get Approval
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Getting your loan application approved is easy. AllCreditCarLoans has an extensive lending network, so approval is fast and efficient. You don’t have to wait for days, or weeks, or months. You can get loan approval on the same day you apply.
Complete the Vehicle Purchase
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With our 1-2-3 process, you can purchase your vehicle on the same day your loan is approved. You can visit your favorite dealership and negotiate like a cash buyer.

Vehicle Financing Coverage Area For The United States

Click on the GET MY LOAN button below

and start working your way towards obtaining your bad credit car loan near you today!


Buying a car is easy if you partner with AllCreditCarLoans!

Getting a loan to purchase your new car is usually a hassle because of the lengthy loan application process and the hoops that most lenders make you jump through. But with AllCreditCarLoans, the process has been simplified and shortened so that in a matter of hours, you’ll be able to drive your new car.

With us, purchasing a car is easier because:

All-in-One Application Process - The 3-step application process is simple and efficient. No unnecessary requirements and complicated procedures are needed. Our extensive list of respected, reliable, and professional lenders and car dealers provides you every option. All you need is the completed 3-step application; no more, no less!

Approval is Fast and Efficient - You won’t have to spend hours upon hours completing your loan application. In a matter of minutes or a couple of hours, you can get approval. The same-day process makes everything convenient.

Easy Dealership Approval - Once you have acquired financing, everything else will be easy. You bring your loan approval with you as you step into the car dealership office and negotiate like a cash buyer. No worries, no hassle!

Bad Credit Does Not Matter - Here at AllCreditCarLoans, your bad credit will not prevent you from getting a car loan. We have packages made specifically for people in your situation; so you’ll find a loan that you can afford. So even if your credit score is not stellar, you can still get what you want and need.

No Application Fee, Hidden Charges, and Obligations - Our application process is absolutely free! You don’t have to worry about application fees, unexpected expenses, and hidden charges. Additionally, once your loan application is approved, you are not, in any way, obligated to activate it. You stay in control of the process.

An Online Application System That You Can Access Anytime, Anywhere - We are always standing by to serve your car loan needs. Our online application system or process gives you the freedom to access our financing solutions – even when it’s the weekend or when you’re away on a family trip. You can access our application page, as well as other real-time features – anytime and anywhere!


What You Should Know About The Best Auto Financing in The United States

No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.

Best Car Finance In The United States

We specialize in:

  • Good Credit Auto Loan
  • Fair Credit Car Loans
  • Bad Credit Car Finance
  • Poor Credit Car Loans
  • High Risk Auto Loans
  • and No Credit Car Financing

We can help with an auto loan for a first-time buyer, car loans for college students and we are proud to have arranged military car loans for service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy a car with their ITIN number.

We also specialize in sub-prime auto loans including after bankruptcy car loans and helping borrowers to obtain an auto loan with repossessions.

If you are looking for a auto title loan or car loan refinancing, we have programs that can help you as well.

AllCreditCarLoans works with the best buy here pay here carlots, used car dealership for bad credit, 2nd chance auto financing and other used car finance lenders to provide the best auto loan rates.

You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!


Buying A Car With No Credit?

The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in The United States. Large commercial banks don't want anything to do with personal loans, especially financing new cars. Car Loans No Credit HistoryIn most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.

What a Buyer Might Face With No Credit Car Loans

If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.

Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?

Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.


Car Finance Explained

Are you afraid to go shopping for a car because of the embarrassment you may face at the very real possibility of being turned down due to bad credit? If this is you, you're not alone. More than ever before, many are faced with bad credit right now, even in The United States.Car Finance Approval What you need right now is a little "credit score infusion". Your score needs to be high enough so you can qualify for that auto loan you so desperately need.

Can't Wait Months To Increase Your Credit Score?

I totally understand. In today's world an auto is a necessity. If you're lucky enough to still have a job right now, you've gotta have a car to get to work. If you've been laid off or just can't find a job, you need a car to go look for a job. You need to pick up your kids from daycare, you need to go to the grocery store. Whatever the issue is, you won't get far without wheels, so here are a few tips you can use to infuse your credit score immediately.

What's A Good Score For An Auto Loan?

Different lenders have different criteria in relation to what they deem to be a "good" score. Really, what it all boils down to is "What interest rate am I going to have to pay?" You can still probably find a lender who will give you a car loan with a credit score of 580, but you're going to pay a really high interest rate for it. Get yourself bumped up to over 600 and better yet, over 620, and you have a few more options, but the rate you're going to pay is still not going to be pleasant. If you have scores in the range of 650 to 680, interest rates are going to be decent. Get yourself over 700 and you've got shopping power!

Where Do I Get My Credit Score?

There are many scoring models out there, so don't be fooled. There can be a 50 to 100 point difference from one credit scoring agency to another, so your best bet is to stick with your FICO Score. This score is derived by Equifax and is the credit score that most lenders use, so you can be pretty confident with the score you receive.

You can get your FICO credit score for $9.95 if you sign up for their Score Watch program. This is the quickest way to get your score, and a great way to monitor how it's going to shoot up after I teach you a few tricks later in this article. If you do not wish to sign up for this free trial, then you can access all three of your credit reports for free, but you will then have to pay around $7 to $10 to purchase your score from each of the three major credit reporting agencies. You can only do this once a year for free.

Maybe you don't have enough income to qualify for that Ferrari you wanted, yet the loan officer will be able to advise you how much you can qualify for, as long as this is your only issue. If you're turned down because of your score, you can ask what is the minimum score they require to get approved. This will tell you whether or not you're going to need sub-prime car financing or not.

What If I Can't Qualify For A Bank Car Loan?

If you're not "bankable" just yet, don't worry. There are still auto lenders out there that will give you a loan, but the rate isn't going to be as pretty. I'd first ask the loan officer at the bank if they have anyone they'd recommend to refer you to. You can also do a search on the net for "bad credit auto loans" and you'll get a slew of links to click on. Some of these sites will search multiple lenders for you and could save you some time. If you like a more personal approach, you can look in your local yellow pages for "auto finance companies". Word of caution here though, finance companies usually carry much higher rates, so be sure to shop around.

What If The Payments Aren't Affordable?

Most people worry about whether or not they'll be able to make the monthly payments on a loan without taking into account the loan's term, total interest paid, and loan origination fees or pre-payment penalties.

Generally, the lowest rates on auto loans are available on short-term loans, from 12 to 36 months, which mean a large monthly payment but lower amounts of interest. Longer-term loans often come with higher interest rates. When you calculate the total price of your new vehicle, include the interest costs over the years. If it seems like too much for you, try to renegotiate the interest rate, offer a larger down payment, or shorten the term of the loan. Use our auto loan calculator to estimate your monthly payment.


LEARNING CENTER: AUTO CREDIT

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and start working your way towards obtaining your bad credit car loan near you today!