FAQS (Frequently Asked Questions)

No. You are not required to pay any fee whatsoever if you choose to use our services and submit an application. There are no hidden charges that you need to worry about. Finance costs and rates will vary according to the lender and your current credit status.
No. You are not obligated in any way to accept a loan or loans offered by any of our dealers or lenders.
Once you’ve submitted your application, we match you to the auto finance partner within our network that best suits your needs. If they approve you, they will contact you directly and assist you in finalizing your loan.
The interest rate you will pay is dependent on the amount of your loan, the type of car you purchased and your credit score. Once your application is approved, you will be contacted by a credit processor who will give you all the details you need to know about your loan, including the interest rate and how much you are expected to pay monthly.
A down payment is usually required unless you have good credit. The down payment amount will vary depending upon the selling price of the vehicle and your credit score.
If your loan is approved by one of our direct lending partners, you will be able to go to any auto dealer and select any car they have that fits within the maximum loan amount. If your loan is approved by one of our auto dealer partners, you’ll need to purchase a car from them. Keep in mind that even if you are approved by an auto dealer partner, they are always able to search other dealerships to find a car that meets your needs.
Most of the time our lender and auto dealer partners can complete the loan process within 24 hours.
We understand that not everyone will have a perfect credit score. This is why we have a vast network of lender and dealer partners that specialize in providing auto financing for all credit situations.
Applicants with extremely poor credit may be required to have a co-signer.
Your personal and sensitive information is 100% safe here at All Credit Car Loans. All the information we receive from you is encrypted and goes through strict industry standard security protocols.

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Car Loan For Bad Credit

Are you in need of a new car, but are afraid it's impossible because of your bad credit? Well, the fact is that, today, consumers with bad credit have a wide variety of options available to them in regards to bad credit auto loans. In fact, it can be very easy to get the money you need, but it is important for you to do your research before getting a loan.

If you have bad credit, the first thing that I would recommend is to find out more about your own financial situation. What is your exact credit score (FICO) with the three credit agencies (Experian, TransUnion, and Equifax)? One place that you can find this information is the free credit report service at http://www.AnnualCreditReport.com At this site, you can place an order for a free yearly credit report. The credit report has everything but the credit score. You have to pay extra to get the scores, but it is worth it. It is valuable information to have on hand in your search for the best auto loan deal. With this information, you can do quite a few things to help yourself. The first thing you need to do when you examine your credit report is to look for errors. Correcting errors can help bring up your credit score some. Another way to increase credit score is to have a friend, or relative, with good credit add you as an authorized user to their credit cards. This connects their good credit history to yours. If you simply don't know what to do, there are credit repair companies that can help clean up your credit report. I have used a credit repair company in the past and was very pleased with the results.

When it is all said and done, a person with poor credit does have many options available. It is just a matter of doing the research and keeping an eye out for the best deal available. Your dream car is within reach, and having bad credit shouldn't hold you back.

Can I Finance A Car With No Credit
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How To Get An Auto Loan If You Have Bad Credit

Pre Approved Car Loan

Everyone wants to fulfill the great American Dream. Buying a comfortable automobile is a part of it. You can make living in America even more pleasurable by buying your very own car.

When it comes to cars, auto loans are important. But, do you think your bad credit will make it impossible to get guaranteed approval on car loans? You are worrying for wrong reasons because you can get a car with bad credit. Here's how you can convert your slim chances of getting a bad credit auto loan to instant approval.

Wrong: Filling Applications Right Away

You must never fill the auto loan application as soon as you feel the need of getting car finance. Actually, there are several things that you need to do before applying. We can divide every task related to getting guaranteed approval on bad credit auto loans into Pre-application tasks and Post application tasks.

PRE-APPLICATION TASKS

Know Your Credit Score/Payment History

No matter the type of loan, every lender will want to know how you pay your debts. He will judge the credit risk associated with you by understanding your credit report and payment history. So, it is important to know it and improve it beforehand.

We know that credit bureaus mess up credit reports. So, get your free annual copy from Annualcreditreport.com. Analyze the entries and look for erroneous transactions. Under the Federal Law, you can easily remove wrong entries from your report if the credit bureaus cannot prove its precision. Removing wrong entries can definitely improve your credit score and place you in a better place than before.

Negotiate with the Lender

As you choose few auto loan quotes, make sure you negotiate with the lenders. Sign the bad credit auto loan contract with only that lender who negotiates and offers you a better deal.

Choose a Reliable Car among the Alternatives

It's always better to choose a car after securing the car loan because lenders may ask you to choose the car from a pre-decided dealer/s. They may even give you a pre-approved budget. So, select the car later and avoid any wastage of time and energy.

Don't forget to get the car inspected from your trusted mechanic. It's important to check the car title and Vehicle History Report because once you sign the papers; you cannot do much.

So, that's how you can buy a car. Once you buy the car, keep making regular payments so that it improves your credit score.

If you follow these tips, getting a car loan and making payments won't be difficult for you.

Wishing you instant approval on your bad credit auto loan!

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