Brand new isn’t always the best option when it comes to a vehicle purchase. From the moment you drive off the lot, depreciation begins. By the end of the first year of ownership, your car’s value decreases by around 20 to 30 percent.

While there are definite advantages to purchasing used cars, bad credit consumers tend to think they’re stuck with an older model, out-of-warranty, high mileage vehicle. Worse yet, many people with credit challenges try their luck at “buy here pay here” auto sales lots, which is one of the biggest mistakes in making a vehicle purchase.

The CreditYES® Dealer Network has a massive inventory of late model, low mileage vehicles in stock and we are experts in bad credit used car loans.

Happy couple sitting in the back of a new SUV


Used cars are the perfect option for people who want to save money. You can get all of the same features and benefits that come with buying a new vehicle, but at a much lower price point. Many auto lenders will even require 10 percent down payment on new vehicles, which is not always the case with used cars. And because most manufacturers have certified pre-owned programs, you know your used car has been thoroughly inspected and is in great condition.


You don’t have to go out and purchase a brand new vehicle. There are many benefits of buying used cars, including lower prices, less maintenance costs, and the ability to customize your ride. Certified pre-owned vehicles undergo rigorous inspections by certified technicians so that they meet manufacturer standards for quality. These CPO vehicles also come with warranties in case anything goes wrong after you drive off the lot. Many of our CreditYES® Network Dealers feature certified preowned vehicles because we want to make sure you get the best deal possible!


Depreciation begins the moment you drive a brand new vehicle off the lot. When you obtain a bad credit used car loan and make a purchase, the original owner took the hit – not you. If you buy used, the vehicle will better retain its value in correlation with your purchase price.

You can find great deals on used cars at our dealerships. We know how important it is for you to be able to afford reliable transportation without breaking the bank or taking out loans that will take years to pay back – which is why we offer financing options for all credit types! Our team members are here every step of the way as well, should you have any questions or concerns.

Happy black couple being handed car keys while sitting in their new car.


People who need a bad credit used car loan sometimes decide to go to a local buy here pay here auto sales lot. These dealers (known also as BHPH dealers) don’t just sell vehicles, they also act as a lender. By handling the whole process in-house, the terms offered can be wildly variable. Expect to pay a higher price for the vehicle as well as a higher interest rate than with a subprime auto loan. BHPH dealers often don’t allow you to make regular monthly payments and your vehicle purchase (and loan) won’t usually show up on your credit report.

Many vehicles on BHPH lots also are older, have higher mileage, don’t usually come with a warranty, and aren’t inspected as thoroughly as certified preowned vehicles. Bad credit situations are difficult enough, and complicating your financial obstacles with unexpected vehicle repairs is something no one wants to have to endure.

We offer subprime auto loans to people with low credit scores and no credit history. Our rates are lower than those offered by local BHPH dealerships and our terms are more flexible. You’ll be able to make monthly payments on your vehicle purchase (and loan) which will show up on your credit report as well. And the best part is that you’ll get a newer model of car at an affordable price!


CreditYES® offers a quick pre-qualification process that won’t impact your credit score and our dealer network features the widest selection of late model SUVs, trucks, crossovers, and sedans. Bad credit situations happen, and we understand and want to help you today.

Our Nashville-based credit experts are available 24 hours a day to help you through the process and answer any questions you may have. Since our founding in 2004, we have helped over 1 million people with bad credit get financed.

We offer quick pre-qualification that won’t impact your credit score so that you can get on the road faster than ever before! You can also take advantage of our dealer network featuring the widest selection of late model SUVs, trucks, crossovers, and sedans for sale at dealerships across America. And if it’s not what you’re looking for? No problem! We’ll find exactly what fits your needs best from all makes & models nationwide – even if they don’t sell them here!

If you’re looking for a used car, but don’t have good credit, we can help. We work with local dealerships to find the best deals on late model vehicles that are perfect for people who need financing options. We want to make sure everyone has access to quality transportation and not just those with great credit scores.

With CreditYES®, you can drive away in an excellent vehicle without having to worry about your past financial mistakes holding you back. Our team is committed to helping people like yourself get approved for a low interest rate auto loan. No matter what kind of vehicle or payment plan you prefer, we will do our best to accommodate your needs and budget requirements while finding the right lender for your situation. It doesn’t matter if it’s been years since your last purchase or if this is going be your first time buying; we’re here every step of the way. Let us take care of everything so that all you have left to do is pick out which one works best for you!

Click here now and fill out our quick online application form today!