Best Bad-Credit Loans for Car Dealerships

Andrew Reyes
A row of cars at an auto dealership.

If you’re interested in purchasing a new or used car with a loan, you know how much your credit score can influence the process. While a high credit score can streamline the loan acquisition and the sale, bad credit ratings can sometimes make it difficult — or even impossible — to secure a loan from a traditional lender.

Fortunately, you still have options for securing a vehicle loan with a low credit score. Select lenders specialize in offering high-quality loans to individuals with low credit scores, offering sufficient financing to put you in your next vehicle.

Table of Contents

Loans for Bad Credit Auto Sales

There are options available if you’re looking to purchase a new or used car, despite bad credit. If you’re looking for a lender that can help you secure a loan despite a low credit score — loans with reasonable terms and accepted at car dealerships — consult the options below.

Auto Credit Express®

One of the leading providers of car loans for individuals in the U.S. and Canada, Auto Credit Express® allows consumers to identify their rates and pursue funding in minutes.

Auto Credit Express® specializes in offering quality loans to borrowers with poor credit scores, allowing many individuals a second chance to own a vehicle after defaulting on a previous loan or overcoming bankruptcy.

Auto Credit Express® can do more than offer loans accepted by car dealerships; they can also connect you directly with a comprehensive dealership network, more than 1,000 active dealers with available vehicles.

Consumers can now source their vehicle and their loan from a single, convenient location. And with reasonable loan rates, you’ll only need to accept terms before accessing your funds through encrypted online requests.

  • Loan amounts: Varies;
  • APR: Varies;
  • Loan terms: 36 to 72 months.

In a few minutes, you’ll be able to take concrete steps toward obtaining a loan through accepts all credit types and offers legitimate loans accepted by car dealerships that can be comfortably repaid over time. approves a wide variety of potential borrowers, but they specialize in loans for individuals who may have been turned down by traditional lenders. Even if you have bad credit or no credit, can help you access the financing you need for a new vehicle.

Borrowers can access’s complimentary lender network free of charge, though each lender will offer individual rates. Once you fill out the easy, online form, lenders will reach out with loan terms, rates, and other information.

All you need to do is review, accept, and sign, and you’ll have access to the funding necessary for your new car in just days.

  • Loan amounts: Varies;
  • APR: Varies;
  • Loan terms: Varies.

In only a few minutes, potential borrowers can request up to $10,000 to put toward a new car. You’ll be able to approach a car dealership with confidence after helps you secure funding in days.

Available 24/7, offers borrowers access to their network of available lending partners, each of which has individual rates and terms. After filling out an easy, online form at, approved borrowers will be paired with lenders ready to help you secure your next vehicle. takes steps to ensure that every borrower enjoys a no-hassle loan experience, one that helps them land a new vehicle.

Even if there is not an available lending partner through their network that is a right fit for you, may help to connect you with offers for credit repair or other related services, to help you improve your overall credit rating and earn eventual loan approval.

  • Loan amounts: $500 to $10,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: 90 days to 72 months.

Without any hidden fees or up-front costs, allows potential borrowers to obtain up to $35,000 as soon as the next business day. Financing arrives directly into your bank account, and you’ll get a loan eligible for use at a car dealership of your choice.

As always, the entire loan acquisition process is entirely encrypted. From an easy online approval through loan term acceptance, all personal information remains protected and confidential.

Use of the lending partner network is free of charge, though individual lenders will offer loans characterized by individual interest rates and fees. Many loan packages are also competitively priced, allowing you the opportunity to receive low rates no matter your credit score or amount of requested funding.

  • Loan Amounts: $500 to $35,000;
  • APR: 5.99% to 35.99%;
  • Loan terms: Three to 72 months.

After identifying your requested loan amount, credit type, and a few other items, you’ll be quickly connected with a lender who can offer you up to $35,000 for a new vehicle. You’ll have up to six years to repay the original loan — depending on individual lender terms — and your loan is processed through an encrypted network.

Many lenders make decisions in minutes, offering you faster access to the funding you need for a new car. Often, lending partners will deposit funds into your bank account without the need for any collateral, no matter your credit score or prior financial history.

  • Loan amounts: $1,000 to $35,000;
  • APR: 5.99% to 35.99%;.
  • Loan terms: 90 days to 72 months.


Ninety seconds is all it takes to apply for a loan through 1-800-Auto-Yes, where borrowers can secure up to $45,000 in financing to help them secure a new vehicle.

Regardless of whether you have bad credit or past issues with bankruptcy, lending partners made available through the 1-800-Auto-Yes network want to help you obtain financing accepted at your local car dealership.

Obtaining a loan through 1-800-Auto-Yes means more than securing your next vehicle; it also means a chance to improve your credit score. 1-800-Auto-Yes features loans from lenders that allow you to pay off credit balances over time, helping you build solid credit through regular payments.

After entering their zip code and answering a few questions, eligible borrowers can see funding deposited into their bank account in days.

  • Loan amounts: $3,000 to $45,000;
  • APR: Varies;
  • Loan terms: Varies.

Through, borrowers can generate and compare up to four offers, only minutes after applying. If you qualify, you’ll earn financing to help purchase a new car, without any payments due for the first 90 days after funds hit your bank account.

Applying for a loan through a lending partner is easy. Borrowers only need to select an offer type, fill out a secure form, and await loan terms.

A loan through can help you at any stage of the car-buying process, whether you’re looking to acquire a new or used vehicle, refinance an auto loan, or even purchase a vehicle currently under lease.

  • Loan amounts: $8,000 to $100,000;
  • APR: 2.49% to 27.93%;
  • Loan terms: 24 to 72 months.


Borrowing money for your vehicle purchase is made easy through LendingClub. Borrowers are routinely able to secure up to $40,000 in financing for use at a local car dealership, after a loan application process that takes only minutes.

Known for their low, fixed rates, loans acquired through LendingClub feature terms that are locked in while you pay off your balance. You can secure funding in days and pay off the loan early without any prepayment fees or unwelcome penalties.

APRs through LendingClub are lower on average than credit card rates, helping borrowers save nearly $1,000 on finance charges.

  • Loan amounts: Up to $40,000;
  • APR: 8.05% to 35.89%;
  • Loan terms: Varies.


No matter your credit rating, Carvana wants to help you own a new or used vehicle. After you pre-qualify for a Carvana loan, available for use at a car dealership of your choice, you can even browse the Carvana inventory to find the vehicle you’re looking for.

Borrowers can apply for a loan through Carvana in only two minutes, without affecting their credit score. Once approved, loan rates are valid for 45 days, giving you more than enough time to review terms and address any concerns you might have.

Bundling your loan application with a trade-in vehicle can help you unlock even lower monthly payments and interest rates.

  • Loan amounts: $1,000 to $85,000;
  • APR: 3.90% to 27.90%;
  • Loan terms: 36 to 72 months.

What Are Loans for Bad Credit That You Can Use at Car Dealerships?

Loans for bad credit are offered by specific lenders, typically after borrowers experience difficulty in securing financing from traditional lenders because of marks against their credit score.

These loans often allow borrowers to secure personal loans in days; borrowers are able to use these loans at car dealerships to help them secure ownership of a new or used vehicle.

How Do I Get a Car Loan Loan for Bad Credit?

Through one of the above lenders or lending partners, it’s often simple to secure a loan for bad credit, usable to finance the purchase of a new or used car.

Steps to obtain a loan for bad credit — used to purchase a vehicle — can include:

  1. Identifying your intended loan type and amount in an easy, online application.
  2. Reviewing loan terms from the lender or lending partner.
  3. Accepting loan rates and terms, and signing necessary documents online.
  4. Receiving financing for your new or used car, directly to your bank account.
  5. Purchasing your vehicle.
  6. Paying back your credit balance through a comfortable repayment plan.

Vehicle loans for individuals with bad credit are often characterized by high interest rates. To secure better loan terms, borrowers should seek to improve their credit score through regular, on-time payments that lower debt.

Limiting hard inquiries and allowing existing credit lines to mature can also lead to regular increases to a borrower’s credit score and more favorable loan terms that make acceptance even easier.

How to Find the Best Vehicle Loan Provider for Bad Credit

The above lenders and lending partners provide a great starting point when you’re seeking vehicle loan providers for bad credit. Many of the best lenders offer borrowers continual access to quality customer service departments, connecting you with a real representative whenever you have a question or concern.

Borrowers should also seek out lenders that have an established reputation offering car loans. While many lenders offer personal loans accepted by car dealerships, some of the best loans for bad credit come from companies with vehicle-specific loan packages.

Image Source:


Keep Learning


Want a FREE Credit Evaluation from Credit Saint?

A $19.95 Value, FREE!

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as This compensation may impact how and where links appear on this site.  This site does not include all financial companies or all available financial offers. Learn more in our Earnings Disclaimer.
Get a FREE Credit Evaluation from Credit Saint Today!