Bad Credit Auto Loans
Pre-Qualify in 2 Minutes
CreditYES connects credit-challenged drivers to local dealerships that specialize in subprime auto financing. Get pre-qualified for free in just two minutes - without impacting your credit score. We've helped over 1 million car buyers just like you - CreditYES is your trusted bridge to vehicle financing solutions.
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What We Do
Auto Loan Pre-Qualification & Dealer Matching
Connect you to local dealerships with financing programs tailored to your specific credit situation and income level.
Soft Credit Pull Pre-Qualification
2-minute application with no credit score impact - get matched to dealers before you visit.
Nationwide Bad Credit Auto Loan Network
Access to dealerships across all 50 states that specialize in subprime dealer financing options.
All Credit Situations Welcome
Bankruptcy discharge, no credit history, poor credit scores - we have dealer partners who understand your situation.
What We Don't Do
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Direct Auto Lending
CreditYES is not a lender - we connect you to dealers who provide the actual financing.
Personal Loans or Cash Advances
We focus exclusively on dealer-based auto financing for vehicles.
Credit Repair Services
We connect you to financing options, not credit improvement services.
Guaranteed Loan Approvals
Final approval decisions are made by our dealer partners and their approved lenders.
How Auto Loan Pre-Qualification Works
Complete Your 2-Minute Pre-Qualification
Fill out our quick form with your income, employment, and other details. This soft credit check won't affect your credit score.
Get Matched with Local Dealers
Our system finds dealerships in your area that specialize in bad credit auto loans and have inventory that fits your budget.
Visit Dealer to Review Options
Meet with financing specialists who understand credit challenges and review available vehicles and payment options.
Complete Financing and Drive Away
Finalize your auto loan terms with the dealer's financing team - most customers drive home the same day.
Ready to get started?
Get Pre-QualifiedWhy Choose CreditYES for Bad Credit Auto Loans?
AUTO FINANCING SPECIALISTS SINCE 2004
Unlike generic loan brokers, we focus exclusively on connecting credit-challenged buyers to dealerships with subprime financing programs.
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PROVEN TRACK RECORD
Over 20 years helping customers with credit challenges navigate the auto financing process through our dealer network.
NATIONWIDE DEALER NETWORK
Connected to auto dealerships across all 50 states who specialize in bad credit auto loans and understand your situation.
FAST SOFT CREDIT PULL PROCESS
Quick pre-qualification connects you to dealers fast - no hard credit inquiries until you're ready to buy.
NO MINIMUM CREDIT SCORE REQUIRED
Whether you have bankruptcy, no credit, or poor credit history, our dealer partners evaluate your full financial picture.
EXPERT FINANCING GUIDANCE
Our team provides guidance on documentation, down payments, and what to expect during the dealer visit.
Bad Credit Auto Loan Success Stories
Frequently Asked Questions About Bad Credit Auto Loans
Are you a direct auto lender?
No, CreditYES is not a direct lender. We are a free matching service that connects credit-challenged consumers to auto dealerships with specialized financing programs. We've been helping people find vehicle financing solutions since 2004.
Do you offer personal loans or other types of financing?
No, we focus exclusively on auto financing through dealerships. We connect you to dealers that specialize in bad credit auto loans and subprime financing programs. For personal loans, you would need to contact a different type of lender.
Can you guarantee I'll get approved for an auto loan?
We cannot guarantee approval because final lending decisions are made by our dealer partners and their approved lenders. However, our network specializes in working with all credit situations, and most customers who complete pre-qualification find financing options.
What credit score do I need for bad credit auto loans?
There's no minimum credit score required for our pre-qualification process. Our dealer network includes specialists who work with credit scores as low as 450, recent bankruptcies, and customers with no credit history.
How much does this auto financing service cost?
Our service is completely free to consumers. We're compensated by our dealer partners when we successfully connect them with qualified customers who complete a vehicle purchase.
What information do you need for auto loan pre-qualification?
Basic information including: your name, contact details, monthly income (minimum $1,500 typically required), and current employment status. The soft credit pull pre-qualification process takes less than 2 minutes.
What's the difference between soft and hard credit pulls?
Soft credit pulls (used in our pre-qualification) don't affect your credit score and aren't visible to other lenders. Hard credit pulls happen when you apply for financing at the dealership and can temporarily lower your score by a few points.
Ready to Get Started with Bad Credit Auto Loans?
Pre-Qualify for Auto Financing Now
- Connect with dealers who specialize in your credit situation
- 2-minute soft credit pull with no score impact
- Speak with subprime financing specialists today
- Access to nationwide dealer network
No obligation. No fees. No credit score impact.