Subprime Car Loans

You can buy a car with subprime credit scores. For car buyers with a bad credit score or limited credit history, offers special subprime financing. We pre-approve your loan application so that you can buy a car quickly. Apply now.

Getting approved for an auto loan is preliminary for buying a car. If you have a subprime credit score, avoid seeking the help of traditional lenders who have strict lending criteria. It is best to apply with a reputed subprime lender who can help you out. Work with and buy a car instantly.

Am I a Subprime Car Buyer?

Lenders have categorized FICO scores into several categories to offer specialized car financing options to borrowers:

  1. Excellent or Exceptional : 800-850
  2. Very Good : 740-799
  3. Good : 670-739
  4. Fair : 580-669
  5. Very Poor : 300-579

If your credit score falls under “Fair” or “Very Poor”, lenders may consider you a subprime borrower.

Average Interest Rates on Subprime Car Loans*


New Car Loan
(60 Months)

Use Car Loan
(60 Months)













Note* - The interest rate offered to you may vary after consideration of your loan application.

Get Subprime Car Loans Today

No credit check car dealers may only focus on your income. But considers several other aspects. We ascertain your credit worthiness with the help of your debt-to-income ratio, employment stability and payment history of utility bills as well. Our loan approval criteria are flexible meaning we do not make down payments and co-signers compulsory for each and every subprime car buyer. If you have money for a down payment, it is great. If you can manage to convince someone to become a cosigner, it will improve your approval chances. But, if you don’t, we won’t force you.

If you choose, you can get approved for a car even with a credit score as low as 500. Other benefits include:

  • Comparatively low interest rates.
  • Manageable loan terms to suit your budget.
  • Easy monthly payments.
  • No obligation auto loan quotes.
  • A chance to build your credit score and buy a car at the same time.

Buying a car with subprime car loans means saying yes to regular monthly payments. Apply now with and provide your loan requirements online. We will get in touch with you for an auto loan quote within two business days.

Financing Tips

The Subprime Saga: Getting an Auto Loan when your Credit Score is 500

Obtaining an affordable subprime auto loan will increase your chances of building a higher credit score. Therefore, do not hesitate to obtain an auto loan for your next car as it is not only the bridge between you and your new car, but it can also transform your credit score from 500 to 700. read more...

Subprime Car Loans – Getting Approval is very EASY Today

Getting approval on subprime auto loans is very easy today. High competition in the subprime auto loan market has ensured that people with really bad credit can also buy a car. Read this article and get important tips for securing the best subprime car financing program. read more...

Frequently Asked Questions

It’s always better to check your credit score before applying for a loan because it will let you know your situation. Also, let the lender check your ratings. This removes any chance of scam. You must know that there are many lenders who dupe car buyers by showing a worse credit score than the actual one.

Also, Fair Isaac Corporation has made it very clear that it will pay no attention to all inquiries made in 30 days prior to scoring. So, if you are able to get a loan within 30 days, it won’t influence your credit score. This period of time can change to 14 days if the lender uses older versions of FICO and can increase to 45 days if the lender uses the latest formula. So, don’t worry about negative hits on your credit score.
Yes, you can! When you apply with, we will help you get pre-approved. It means you will have a check ready even before you visit the dealership lot to test drive new cars.

In order to improve your chances of getting pre-approved for a subprime auto loan, you can bring a down payment of at least 10% of the total car price. Additionally, cosigner also helps in achieving your goal.