Personal transportation is more important than ever and having a bad credit history can sometimes limit your chances of purchasing a new vehicle. Buying a car with bad credit is possible, and it doesn’t mean you have to sacrifice your choice of car, truck, van, or SUV.

Since 2004, we’ve helped over 1 million people obtain bad or no credit car loans. CreditYES® has a nationwide network of reputable dealerships that offer a wide selection of brand new and used vehicles for purchase or lease. Best of all, these dealers know how to get your bad credit approved.

Pre-qualification takes just minutes and can be done over the phone or online. After you complete our easy application (that won’t impact your credit score), one of our credit specialists will call you to verify your information. We’ll link you with a local dealership that has the vehicle you want and we’ll save you from the worst part of the car buying experience – the finance department.

Woman in dealership getting handed car keys.


Many people with credit challenges often feel defeated when looking into bad credit auto financing options. After hearing the word “no” from automotive finance companies a few times, many individuals investigate other options that can often put them in a worse financial condition – like buy here, pay here lots. 

Sometimes people have to “settle” for a vehicle because of immediate need. Often times these cars come with high mileage, no warranty, and unexpected expenses down the road. Buying a car with bad credit shouldn’t put you in a worse financial situation..

The free CreditYES® pre-qualification system was built around the theory that good people with bad credit deserve the ability to buy better vehicles. When we schedule you an appointment with one of our Dealer Partners, you can rest assured that you’ll get a fair deal on a great vehicle of your choice.

We offer auto financing and used car loan options to those with bad credit, no credit, and bankruptcy. Our bad credit auto lenders can help those who have been denied by traditional banks. We work both finance companies and dealerships to get you approved.

Our process is simple: Get pre-qualified online, talk to the dealer, choose the vehicle you want, and get the car today.

Brand New Vehicles – Our dealership network has every make and model new vehicle you can imagine, complete with purchase bonuses and warranties.

Late Model UsedChoose from a huge selection of late model used vehicles (some certified preowned with warranty) and save money.

Leasing OptionsIf a lease suits your needs better, we can help get you into a brand new car leasing option even with bad credit.

New Cars With A BankruptcyEven if you’re currently in proceedings, CreditYES® has dealer finance options available.


Since we aren’t a lender, CreditYES® cannot guarantee your auto loan approval but our nationwide dealer network is skilled in securing financing options for people with poor or no credit.

We can’t help everyone but with a stable residence, steady monthly income of at least $1,700 before taxes, and have a record free of repossessions we can get you pre-qualified regardless of your credit history.

Even one repossession in the past 10 years won’t necessarily disqualify you. If you’re looking at buying a car with bad credit, we’re your best option.

We work directly with reputable and local car dealers who finance people with all ranges of credit for brand new and used vehicles. Even if you have been turned down before, we can help.

CreditYES Income Chart


1 Call us or complete our online application. We just need basic information and applying won’t impact your credit score.

2 One of our friendly credit specialists will call you back shortly after you complete your online application. They’ll verify your information and figure out what vehicle you’re looking for.

3 Should you meet our criteria based upon your income and employment history, we will pre-qualify you and set an appointment with a dealership in your area. When we book the appointment, we’ll send your credit file to the dealer. This saves loads of time in the car buying process.

4 Arrive at the dealer and pick your vehicle. You negotiate the price and when it comes time for finance, the hard work is done by us.

If you’re in the market for bad credit auto financing and need a new vehicle now, CreditYES® and our dealership network can help you today. We’ve been around over 16 years and have helped put over 1 million cars in driveways.

CreditYES® is a reputable and free service that provides financial guidance to car buyers with past credit issues. We believe buying a car with bad credit should be an easier and less anxiety-inducing experience.

That’s why we’ve developed a state-of-the-art system and a nationwide network of dealerships all designed to help you get the vehicle you want and deserve without delays or headaches typically suffered when looking for bad or no credit car loans.

Our credit specialists are available 24/7, 365 days a year from our Nashville call center. Pre-qualify online now or give us a call.

CreditYES® has a nationwide network of dealerships who specialize in automotive finance for people with credit challenges. Everyday we help people with all types of credit problems get the cars they need at affordable interest rates and payments.

You can pre-qualify for financing in just two minutes. One of our credit specialists will analyze your current financial situation, discuss possible options with you, and present them in an easy to understand format so that you can make the choice that is best for you and your family.

CreditYES® has developed an exclusive process that is fast, easy, 100% confidential, secure, and requires no obligation on your part. You’ll know instantly if you qualify without affecting your credit score in any way. Our dealership network works with customers of all kinds with bad or no credit to get them driving again.