Really bad credit car loans

We don't promise miracles but we can offer some hope

If you're currently in bankruptcy or if you've had a vehicle reposessed within the last 12 months, we can't help you with a really bad credit car loan at this time.

We can say, however, that once your bankruptcy is cleared, you can expect offers from any number of lenders in the mail. Be advised that some of these are better than others, so don't be afraid to shop around.

People with bad credit fall into what's known as the subprime lending market, but not all subprime lenders -- or subprime customers -- are the same. While some lenders will not go below a credit score of 650, in our network lenders routinely finance people with credit scores in the 500s. In fact there are some lenders in our network who can finance people with a FICO score of 450 as long as certain stipulations are met.

Be sure to read our credit requirements page, and be sure to read our bad credit loan tips page. We might be able to help you with a really bad credit car loan today, but truthfully, if you don't have to have a car today, you might be better served to wait a bit, boost your down payment, polish your credit record and save some money.

If you're in a jam, and if you meet our minimums, then by all means apply. We are fully aware that life is what happens while you're making other plans. That's how most people get dinged credit in the first place.