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The secret to our success? Our people get the credit.

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The bad news is you have a credit ding

The good news is that's no big deal anymore

Here's a little inside secret from the auto loan business. A lot of dealers have learned they can make money on bad credit car loans -- not so much by jacking up rates to ridiculous levels, but by taking good care of people. Bad credit loan customers are grateful for the second chance and surveys show they are very loyal -- and very likely to be repeat customers. That's crucial -- the average dealer spends $500 per car on marketing, so return customers equal profit.

Here's another inside fact on the car business. Fewer than half of all car buyers actually buy a car within the first 30 days. People take time to shop around and they take time to save up a bigger down payment. We're all for this -- the best way to cut your auto finance costs is to boost your downpayment.
 
So by all means click the apply now link if you've saved up your down payment, if you've set your budget and researched your price range.

If you haven't done those things yet, then we really encourage you to do so -- and to come back here when you're ready to shop your application to hundreds of possible lenders. Like we said, bad credit car loan customers are loyal customers, and we trust you'll remember who was talking to you like an adult.

Our online car loan application is one of the shortest on the Web, we've been doing this longer than most any of our competitors, and we are linked up with the strongest lenders in the auto loan industry. We look forward to serving you, either down the road or right now.
  

What about the best
trucks for bad credit?


A big problem with writing about used trucks is that some trucks are used and some trucks are REALLY USED. This makes it hard to talk about average prices, so we'll stick to the basics here.

In list after list of truck reviews, two models stand out above all others. The Ford F-150 has been the top-selling vehicle in America for more than 20 years, thanks to its reliability, performance and wide range of cab styles and trim levels.

When it comes to compact trucks, the gold standard of reliability is the Toyota Tacoma. Depending on options, it's not hard to find either of these vehicles in the $10,000 range without going back too many years.

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