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Get matched with a lender or dealership — even if you don't have the best credit.

  • Best for borrowers with bad credit who’ve struggled to find financing elsewhere.
  • Pick something else if you want more transparent rates and terms.




Interest Rate TypeFixed
RequirementsRegular source of income, ages 18+, US citizen or permanent resident

Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review is ideal if you want a fast way to find dealerships or lenders in your area that offer financing for borrowers with bad credit or who’ve filed for bankruptcy.

But if you’re looking for transparency about rates, terms and the partners in its network, you’ll need to look elsewhere. Its website is literally one page with little information available.

If you have at least fair credit, you might want to compare direct car loan providers yourself.

First, am I eligible?

To qualify with a lender in’s network, you need to meet the following criteria at a minimum:

  • Regular source of income
  • At least 18 years old
  • US citizen or permanent resident

Depending on the lender you’re connected with, you may need to meet additional requirements.

What types of car loans does offer? doesn’t list what types of car loans its partner dealerships and lenders offer. You’ll need to fill out its online form to learn more.


  • Bankruptcy and bad credit OK
  • Available in all 50 states
  • No fees to be connected


  • Not transparent about rates and terms
  • Doesn’t list partners on its website
  • No email or phone number for customer service

Compare more car loan options

Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

How do I get started?

To get connected with a dealership or lender in’s network, you need to fill out its online form. Follow these steps to get started:

  1. Click Check my rate to visit
  2. Enter your email and ZIP code.
  3. Read’s disclosures and privacy policy, then click Get Started.
  4. Enter your full name, phone number and Social Security number. Select if you’ve filed bankruptcy in the past five years.
  5. Enter your address and monthly housing payment.
  6. Enter information about your employment and monthly income.
  7. Click Request Your Auto Loan Now to submit’s online form.

It may take a few minutes for your information to process. Once it has, you may be contacted by a local dealership or lender in’s network to continue the application process.

What documents do I need?

You will only need to provide a few basic pieces of information when you apply:

  • Social Security number
  • Monthly income
  • Monthly housing payment

The dealership or lender you’re connected with may require other documents, such as proof of income and proof of insurance.

How do repayments work?

Since isn’t a direct lender, your repayments will be made to the dealership or lender you’re connected with. Check your loan documents to learn when your payments are due, how to make them and potential fees.

Rather apply with a lender directly? Read our guide to car loans to compare options.

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