Editor's choice: Carvana
- Most credit types welcome
- 45-day preapproval
- Seven-day guarantee
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|car.Loan.com||Varies by lender||Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.|
|CarsDirect||Varies by network lender||Must provide proof of income, proof of residence, and proof of insurance.||Read review|
|RoadLoans||$5,000 to $75,000||Be 18+, monthly income of $1,800+, reside in a state where RoadLoans operates and do not have open car loan with RoadLoans, parent company Santander Consumer USA or Chrysler Capital||Read review|
The most common place to find a no-credit-check car loan is through a dealership. You can find these directly or by using a connection service like CarsDirect.
Some direct lenders like RoadLoans also offer financing without checking your credit score.
Dealership financing is often faster than going with a lender. But unless you shop around, you might not get the best deal out there.
Lenders might not necessarily offer a better deal, but it’s easier to compare your offers by prequalifying. Some car loan providers offer online preapproval, which gives you an offer you can take to a dealership to finance a car or negotiate a better deal.
It depends on your situation. You might want to consider a no-credit-check car loan if you:
Even in these three scenarios, you might still want to consider some of the alternatives. You still might be able to find a better deal with bad or no credit.
Consider these potential pitfalls before taking out a no-credit-check car loan:
No-credit-check car loans work like any other car loan. The difference is the lender assumes that you have bad credit — possibly worse than you actually have.
These loans tend to have high interest rates and unfavorable terms for you as a borrower, so they should only be used when no alternatives are available.
Just because your lender isn’t checking you credit doesn’t mean it won’t consider other factors. Typically, you need to provide the following when applying for a no-credit-check loan:
Before taking out an expensive car loan that doesn’t require a credit check, you might want to consider your other options first:
It’s possible, but your options are extremely limited and not very favorable — your best bet might be buy-here pay-here loans from a dealership.
If you have the time, consider building your credit score or saving up for a down payment before you apply.
A no-credit-check car loan may be a good option if you have nowhere else to turn and need a car, but it doesn’t hurt to see if you prequalify for a car loan with a better interest rate first. You can learn more about what your options are by reading our guide to car loans.
Shopify merchants may be able to get funding without a credit check.
Both Vroom and Carvana offer loans for their used car inventories. But when it comes to transparency and loan terms, Carvana takes the cake.
Loans of up to $50,000 available from this well-established lender.
Ways to protect your assets and what you need to know about marital debt.
Local options offer rates under 4% for well-qualified borrowers.
Ohioans have a large selection of banks and credit unions to borrow from.
Three local lenders to explore before heading to the dealership.
Find competitive financing outside of the dealership with a local lender.
BCB Bank offers a substantial package of business financing in NJ and NY.
This Southside Virginia institution offers financing basics to startups and other small businesses.
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