About Us

At CreditYES, we believe that everyone deserves a chance to own a quality vehicle, regardless of their credit history. That’s why we have been helping people with bad credit get approved for auto loans since 2004. We have over 1 million satisfied customers who trust us as the auto loan authority.

We understand that life can throw you some speed bumps along the way, but that shouldn’t stop you from getting behind the wheel of your dream car. Whether you want to lease or buy a new or late model used vehicle, we can help you find the best financing option for your situation.

Our online service is fast and secure. You can prequalify for an auto loan in minutes without affecting your credit score. We use a unique, state-of-the-art system that matches you to local dealerships based on your budget and needs. You can choose from a wide selection of vehicles and enjoy a hassle-free buying experience.

We also provide world-class customer service 24/7, 365 days a year. Our friendly and knowledgeable credit specialists are ready to answer any questions you may have and guide you through the process. You can call, text, or email us anytime.

CreditYES is more than just an online service. We are a team of people who care about your automotive financing needs. We are here to help you get the car you want and deserve.

Thank you for choosing CreditYES.

CreditYES is more than just a name. It’s a promise.

We promise to help you get approved for an auto loan, regardless of your credit situation. We promise to offer you a wide range of financing options for new and used vehicles. We promise to make car buying easy and convenient for you.

We have been fulfilling this promise since 2004, when we started as an online service that connects people with bad credit to dealerships that can help them get financed. Since then, we have helped over 1 million customers across the country get behind the wheel of their dream car.

We are not a lender, but we work with some of the largest and most trusted dealerships and lenders in the industry. We have access to every make and model of vehicle you can imagine, from sedans and SUVs to trucks and crossovers. We also have expert finance professionals who will work with you personally to find the best loan for your budget and credit profile.

Our values are built on transparency, trust, and expert financing. We don’t charge any fees or hidden costs for our service. We don’t impact your credit score when you pre-qualify online with us. We don’t pressure you into buying anything you don’t want or need.

We simply want to help you get approved for an auto loan that suits your needs and wants. That’s why we say YES when others say no.

At CreditYES, we believe that everyone deserves a chance to own a new car – even with bad credit. That’s why we’re here to help you every step of the way.

Ready to get started? Pre-qualify online today and see how CreditYES can make your car buying experience easy and enjoyable.


CreditYES Income Chart

You must have a job or stable monthly income to pre-qualify with CreditYES®. It is ideal if you make at least $500 per week before taxes, but we can still help if your income is a bit less. 

Not having a history of repossessions is helpful in getting you fully pre-qualified. If you’ve had only one or no vehicle repossession in the past 10 years, we can still get you into a new vehicle.

You must complete our automotive finance application, either online or over the phone. The application process takes approximately five minutes to complete and it will not negatively impact your credit score.

Once you have completed our auto loan preapproval application process, a Credit Specialist will contact you within 5 minutes to verify your information. We will also explain the financial details and ask you about your vehicle preferences. Based upon your individual needs and wants, we will connect you with a reputable car dealership in your area. With the knowledge of your pre-qualification amount, you’ll be able to walk into a dealer with confidence and choose a new or late model used vehicle you want.

We will set up an appointment to meet with the dealer in your area. Our dealer partners are eager to earn your business and they want to offer their best price upfront so you don’t have to haggle or play games. You can test drive any vehicle on their lot without worrying about whether you are wasting your time. Once you find the vehicle you want the purchase process is seamless. You save time and money with CreditYES®.


Free & No Obligation

CreditYES® is a completely free service. You don’t have to worry about hidden fees or out-of-pocket expenses. Best of all, there is never any obligation to buy after we get you pre-qualified.

Trusted Dealers

We’ve built a nationwide network of automotive dealerships all working together to help individuals with less than perfect credit. From brand new to late model used, CreditYES® dealers feature the biggest brands and massive inventories.

The Best Customer Service

Our specialists are highly skilled and knowledgeable in helping people overcome credit obstacles. We’re compassionate and understand your situation. Best of all, we’re located in the United States and are available anytime.

If you’re looking for a solution to buying a car with bad credit, let the experts at CreditYES® help you with your next vehicle purchase. Our service is free and you are under no obligation to buy.

Your information is secure and protected with 256-bit encryption. We never pull a full credit report, so pre-qualifying for an auto loan now doesn’t affect your score in the future.

Our world-class customer service is available anytime, anywhere in the United States. We are the auto loan preapproval experts, and can get you in a new car today.

Automotive financing shouldn’t be so complicated. We do the heavy lifting so all you need to do is show up, drive, and decide which vehicle you want.