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BlueSky Auto Finance car loans review

Get connected with no-credit dealership financing.

Blue Sky Auto Finance can help you find vehicle financing if you have poor or no credit. Its rates as low as 3.99% through network dealerships.


Max. Loan Amount

Starting at 3.99%



Max. Loan Amount$30,000
APRStarting at 3.99%
Interest Rate TypeVariable

First, am I eligible?

To apply for a vehicle loan with BlueSky Auto Financing, you’ll need to meet a few requirements:

  • At least $1,800 monthly income
  • No open bankruptcies.
  • Live in an eligible state
  • Over 18

If you’re refinancing a loan, your car isn’t older than eight years and your remaining balance is at least $8,000.

What makes BlueSky Auto Finance unique?

BlueSky Auto Finance is a broker that connects you with dealers offer financing for all types of credit scores. In other words, it doesn’t directly give you money. Instead, it puts you in touch with dealerships that include in-house financing.

In-house financing can be both good and bad. On the plus side, dealerships typically don’t run credit checks and have more room for negotiation than other lenders will. But you could still end up with high rates and contracts containing hidden conditions and fees.

What types of car loans does BlueSky Auto Finance offer?

BlueSky Auto Finance offers the bare basics of bad-credit and no-credit auto loans directly from dealerships. These include:

  • New and used car loans. Your standard term loan used to purchase a new or used car from a dealership.
  • Auto refinance loan. Swap your old loan for a new one with better terms and rates to save in the long run.

You can also apply for a personal loan through BlueSky Auto Finance, which you can potentially use to purchase a car. Borrowers can also use their car loans to purchase a truck.

What rates can I expect from a BlueSky car loan?

Rates start at 3.99% on BlueSky car loans. However, what rate you get depends on factors like your income, how much you’re borrowing and your loan term. No-credit check loans tend to come with even higher rates, since they often assume borrowers have bad credit.

What are the benefits of getting a car loan with BlueSky Auto Finance?

  • Poor and no credit welcome. You could be approved for a loan without a credit check through a vetted partner dealerships.
  • No fees. It’s free to be matched to a dealer through BlueSky.
  • Online resources. BlueSky’s site includes resources that can help you narrow down a loan that’s right for you — like calculators and educational articles.

What to watch out for

  • You’re limited to its network. While you might find a solid deal through this provider, it turns a profit on dealership partnerships, not you.
  • High rates. Dealerships may not always check your credit score, but you might end up with high interest rates. Don’t let yourself get talked into anything you can’t afford.
  • Dealership financing only. If you’re interested in finding a loan through a third-party lender, consider another bad-credit connection service.
  • Unnecessary add-ons. Sometimes dealers bury inessential add-ons — like fabric protection — in your contract. Read all terms and conditions carefully.
  • Potential spam. Your inbox might fill up with emails from BlueSky long after your loan is paid off. And attempts to unsubscribe don’t always work.

Compare other car loan providers

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

BlueSky Auto Finance reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 1 customer reviews
BBB customer complaints 4 customer complaints
Customer reviews verified as of 16 October 2020

BlueSky Auto Finance doesn’t have much of presence as of July 2019. It has no customer reviews on its Better Business Bureau page (BBB), though four customers have filed complaints against the company. Almost all complaints were over spam email, even from people who’ve never used BlueSky Auto Finance. It has not page on Trustpilot

Is BlueSky legit?

Generally yes. It’s accredited with the Better Business Bureau (BBB) and gets an A+ rating based on factors like transparency and time in business. It’s been around for 15 years too — a long time for an online connection service.

Its website is encrypted, so any information you enter online is protected — though there’s no way to absolutely guarantee the safety of any data you enter online.

How do I apply?

Before you apply, make sure meet BlueSky Auto Finance’s credit requirements — no point in wasting your time on a loan you can’t get.

Go through your finances to figure out exactly how much you can afford, considering monthly payments, any down payment and your total loan cost. Don’t forget to include the insurance, maintenance and other costs that come with buying and maintaining a car.

Here’s how to apply with BlueSky Auto Finance online:

  1. Visit BlueSky online and click Apply Now.
    BlueSky homepage with apply button
  2. Complete the two-step form, carefully reading the privacy policy and terms. Submit your application.
    BlueSky Application, personal information form
  3. You should learn about preapproval in 24 to 72 hours after you apply. If you’re accepted, BlueSky sends your information to partner dealerships in its area, which then contact you with offers.
  4. Compare your offers carefully, and don’t be afraid to negotiate — dealers expect negotiation and often inflate prices for that reason. Pick an offer that best meets your personal requirements, be it affordability, car type or anything else.
  5. Go to the dealership to pick out your car and sign your loan papers. Make sure to read all paperwork carefully before signing anything.
  6. Drive off in your new — or used, or refinanced — car.

What documents do I need to apply?

Each dealer has its own document requirements.

Common documents you might be asked to provide include:

  • Your driver’s license. As with any form of ID, it must reflect your current address.
  • Insurance information. Many dealers want to see that you’re insured before they’ll offer a loan.
  • Proof of income. A recent paystub is the most common way to prove you make as much as you say you do.

To refinance an existing car loan, have the following documents on hand:

  • Your vehicle registration. Proof that your vehicle is registered with a local government entity that sets auto regulations in your state (probably your local DMV).
  • Vehicle identification number. Your 17-character VIN is found on the driver’s side dashboard, your insurance card or vehicle registration.
  • An odometer reading. You odometer shows how many miles your car has on it. Lenders use mileage to determine your vehicle’s worth, which factors into your rates and terms.
  • Your current lender and account number. Your lender uses this info to pay off your original loan with a new one.

I got a BlueSky Auto Finance loan. Now what?

If it’s an option, set up autopay with your dealer to avoid accidentally missing repayments. If autopay isn’t an option, set an alarm to remind you a few days before your repayments are due to avoid late fees.

When paying back a loan, alert your dealer as soon as possible if you have any setbacks. It may be willing to renegotiate your terms to make your payments more affordable. Reach out to customer service at any time by calling 800-258-3759.

Bottom line

BlueSky Auto Finance offers educational resources for poor- and no-credit borrowers, if nothing else. Its lending options are typical of similar online matching services — although its network appears to be on the small side and its loan types limited.

Before you apply with BlueSky, compare as many auto financing options as you can to find a lender that best meets your needs and budget.

Frequently asked questions

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    Default Gravatar
    May 4, 2019

    How do I apply for a loan?

      Avatarfinder Customer Care
      May 4, 2019

      Hi Tim,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      If you are from the US and you are interested in applying for a car loan through BlueSky, the first thing you need to do is review the eligibility criteria, terms, and conditions of their services. After that and you still wish to proceed, you can start applying for a loan by visiting their official website. Complete the needed form and then submit. The steps on applying for a loan is laid out above.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    November 25, 2018

    When you get approved and a dealership calls, they get you in and because my score is poor it seems like they want me to put money down. Why doesn’t the loan cover the down payment?

      Avatarfinder Customer Care
      November 25, 2018

      Hi Mrs Scott,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      The majority of car dealers requires cash down payment. This is to ensure that they won’t be in a bad situation when things won’t go according to plan. For example, if ever a buyer decides to not go through the sale, car dealers would have money to cover the cost of the loss of business opportunity.

      In the US, you can find dealerships who do not require down payment. However, please note that they might charge you with higher interest rates.

      I highly recommend you check your list of car loan providers. Click on that link to be redirected to a page where you will see a table that allows you to conveniently compare your options. Once you found the right one for you, click on the “Go to site” button to learn more and see if they don’t require a down payment.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


    Default Gravatar
    November 9, 2018

    I was approved but the dealership doesn’t have the car that I want. How do I find another one?

      Avatarfinder Customer Care
      November 21, 2018

      Hi Sam,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      I’m sorry that the dealership doesn’t have the car that you like. What you can do is ask around and check other dealership. You may also talk to your lender and they might be able to refer you to others.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    October 30, 2018

    How to know if I’m approved

      Default Gravatar
      October 30, 2018

      Hi Tammy,

      Thanks for leaving a question on finder.

      You should learn about preapproval in 24 to 72 hours after you apply. If you’re accepted, BlueSky sends your information to partner dealerships in your area, and they will contact you with offers.

      Please send me a message if you need anything else. :)


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