If you are currently in bankruptcy, sorry, we can't help.
If you've had a vehicle repossessed in the last 12 months, we can't help.
So let's get to the good news.
Really bad credit often stems from having no credit history, no proof of positive credit. Sometimes it comes from being self-employed, as again, it's a matter of a lack of proof of recent income (something more recent than a tax return).
We have lenders in our network who routinely deal with such situtations and we encourage you to apply today and get the process moving. You'll be asked for what's known in the trade as stips -- utility bills, check stubs, maybe even references -- but that's okay. You may have to jump through some hoops, but you may get a chance at something you never thought possible. A chance to rebuild your credit.
We must, however, offer one warning. If you've been getting denied for credit and over, stop applying, because each rejection just lowers your score even more. If you have NOT been filing and filing and hoping for a miracle, then go ahead and click to apply online.
| Credit Score | Interest Rate |
| 720-850 | 6.4 to 6.6 |
| 690-719 | 7.3 to 7.5 |
| 660-689 | 8.8 to 9.0 |
| 620-659 | 10.7 to 10.9 |
| 590-619 | 14.1 to 14.3 |
| 500-589 | 14.9 to 15.1 |
| Rates are rough national averages for a 36-month car loan as of July 2008. Click here for more information on car loan rates. | |