Bad Credit Auto Financing {#2b4361}

Need an auto loan but have bad credit?

Learn about options for financing a car.

Get Pre-qualified

Your credit approval

spacing-1

Do you have bad credit and are looking for a car loan with guaranteed approval?

Credit Acceptance empowers car dealers nationwide to help people finance a car, regardless of bad credit or no credit. We’re an indirect auto financing company, which means we work through a network of enrolled dealerships rather than lending directly to consumers.

We make it easy to get approved at the dealership. So, if you're shopping for a new or used car and need fast and easy approval for auto financing, a dealer enrolled with Credit Acceptance can help.

style
spacing-top-4, spacing-bottom-3, spacing-mobile-2
background
https://main--www-web-app-da--credit-acceptance.aem.page/fragments/your-credit-approval/how-it-works-text
https://main--www-web-app-da--credit-acceptance.aem.page/fragments/your-credit-approval/how-it-works-image
style
spacing-top-2, spacing-bottom-2, spacing-mobile-2
background
#F4F4EC

Approval for everyone

We believe everyone deserves a second chance, which is why we enable dealers enrolled with Credit Acceptance to approve everyone, including customers with any of the following:

spacing-1

Bad credit history or multiple repossession

Second chances matter. Past financial difficulties or repossessions don't automatically disqualify you from approval.

divider-thin-dark-no-margin

No credit history

First-time buyers without established credit have to start somewhere, and we welcome the opportunity to help those who are new to credit.

divider-thin-dark-no-margin

No minimum credit score

We see people, not numbers. And applicants are evaluated on multiple factors beyond credit score alone.

divider-thin-dark-no-margin

Different income types

Fixed income (like Social Security, disability, or pension), unemployment income, self-employed income (business owners and freelancers), and temporary income (like short-term or seasonal employment) can all be considered.

divider-thin-dark-no-margin

Multiple open auto loans

Any existing loans don't automatically prevent approval (however you may only be the primary account holder on one Credit Acceptance financing plan at a time).

divider-thin-dark-no-margin

Bankruptcies

Chapter 7 discharged bankruptcies don't prevent approval, and Chapter 13 active cases may qualify with court/trustee approval.

spacing-1

If you want to know what you may be eligible for, fill out our pre-qualification form to see the maximum monthly payment you qualify for. We also make it easy to find bad credit car dealers near you with our Dealer Finder.

Get Pre-qualified

background
style
Spacing-3

Benefits of Credit Acceptance indirect auto financing

spacing-1

4MM+ customers financed

We're dedicated to helping people, and we’ve been able to help millions of customers get approved for auto financing.

Dealers in all 50 states

We have over 15,000 dealers nationwide in our network at your service and ready to help, no matter your credit.

New and used car financing

Financing options are available for both new and pre-owned vehicles, giving you more options.

All credit types welcome

Our participating dealers can approve people based on multiple factors, not just credit history. There's no minimum credit score required, and you can get approved with good credit, bad credit, or no credit.

Credit bureau reporting

Your payments are reported to all 3 major credit bureaus, which helps give you an opportunity to rebuild or establish your credit.

Dedicated customer service

Our customer service center is ready to help with anything you need.

AutoPay available

No-hassle automatic bill pay makes it easy to make your payments on time every time, which can help improve credit over time.

background
#f4f4ec
style
Spacing-3

A history of helping

Throughout the years, dealers enrolled with Credit Acceptance have helped millions of customers get car financing. Some of their stories are below.

Company gave me a chance even with bad credit! I've made every payment on time! They work with you and have great customer service!{text-ca-eggshell-900}

Thomas G.

I struggle with bad credit. I’m slowly rebuilding it. Credit Acceptance approved me, they have an easy to use app where you can see all your information in one place.{text-ca-eggshell-900}

Kyle C.

I had bad credit and you guys gave me a chance to get a good car with reasonable payments. Very good customer service {text-ca-eggshell-900}

Amber H.

Approved me with bad credit and now my credit is getting better. Got 2 pretty new vehicles too!{text-ca-eggshell-900}

Michael

It was hassle free with bad credit to get the loan I needed for a new car. I have never had any issue with this company and would recommend them to anyone.{text-ca-eggshell-900}

Stephanie L.

You gave me a loan in a time where I was in financial difficulty and needed a vehicle but had very bad credit when no one else would. {text-ca-eggshell-900}

Terry S.

Disclaimer: Customer Reviews are unscripted, and viewpoints are their own. Credit Acceptance is an Indirect Auto Finance Company that works with participating independent dealers. All financing agreements are originated between Customer and Dealer.
style
center, spacing-4
background
background-mobile

Pre-qualify for auto financing

Get pre-qualified in just a few minutes. When you do, you’ll see the maximum monthly payment you are pre-qualified for. Then simply visit one of over 15,000 dealers in the Credit Acceptance network.

spacing-1

Get Pre-qualified

background
style
Width-75, spacing-top-4, spacing-bottom-3, spacing-mobile-2, center

Frequently Asked Questions

background
ca-eggshell-100
style
spacing-top-4, spacing-bottom-0, spacing-mobile-2, center

Can I get a car loan with bad credit or no credit?

Yes, Credit Acceptance enables enrolled dealers to approve customers regardless of bad credit, no credit, or past financial challenges.

Does Credit Acceptance have a minimum credit score requirement?

No, there is no minimum credit score required. Applicants are evaluated on multiple factors beyond credit score alone.

What documentation do I need to apply?

You'll typically need proof of income, proof of residence, a valid driver's license, and references (specific requirements may vary by dealer). Learn more about what documents to bring to a dealer.
background
ca-eggshell-100
grid
span-6, span-6
style
spacing-top-0, spacing-bottom-4, row-gap-1