Poor credit car loan experts

A bad credit history is not as bad as you might think

As 2008 draws to a close, every day in America two auto dealerships close. Because of disruptions caused by rising gas prices and a credit crunch, dealerships are in big trouble -- and that's good news for you. There are unbelievable deals available on both new and used cars right now -- if you can find a loan.

That's where we come in.

Our dealers are electronically linked to more than 400 lenders, which increases your chances of approval. In 2007, a poor credit car loan needed to be shopped to four banks before someone would take it; now that ratio is over six.

Despite interest rate cuts by the federal reserve, car loan rates have been quietly creeping upwards in recent months -- so don't delay. You'll pay more for a bad credit car loan, but people with a poor credit history have always paid more for a car loan. Thing is, the difference (on an average car loan) between a prime and subprime rate looks awful when totalled up; when you think of it as the same as a soft drink out of a vending machine each day, it doesn't seem so bad.

We call it the bad credit tax -- and if you pay off this loan, the terms on your next loan will be better. We can offer you not only the chance to drive a better vehicle, you'll be working to rebuild your credit, too.

Please visit our poor credit auto loan requirements page and then fill out our short, no-obligation online car loan application. Most customers hear from a local lending officer within an hour, and many, many customers are driving a new vehicle within 48 hours of applying. And what do you plan to be doing 48 hours from now?