Exceptional Service. Exceptional Ease.

Not just anyone can become a 1-800-Car-Loan dealer -- and that's good news for you, the car loan customer.

Dealers in our network must be licensed and franchised (no buy here, pay here operations) and the dealerships have to have a solid record of top-notch customer service. Most importantly, they must have experience (or our training) in dealing with customers with a bad credit history.

So let's get back to you, the customer, and what this all means for you.

When you're going through life with a credit bump or two, you don't need a lecture, you need a loan -- and our dealers know how to do just that. Better yet, our dealers are electronically linked to hundreds of lenders -- a huge advantage in getting you the best rate your credit score will allow.

When you apply online, your private information is protected by secure servers. The application is free and it puts you under no obligation.

Try it and see.

A Safe, Simple Process

So, you apply online or call. We process your information in our home office. We securely route your application to the nearest 800-Car-Loan dealer. They get in touch so you can make a personal appointment. You find out what kind of financing options are available and what kind of vehicles are available. You make a deal and drive away or don't make a deal and walk away.

We couldn't make it more simple and a large portion of our customers are driving something new within 48 hours of applying. Try it and see.

So Let's Talk About Bargains. And Brains.

Most bad credit auto finance deals are in the $8,000 to $12,000 range, which is why we offer a page of suggestions on best cars for bad credit customers.

We also tell every customer to not go auto shopping until they know their credit score, to use a car loan calculator to find out how much car they can afford, and to always focus on the total price of the car, not the monthly payment. Remember, any loan can be made to fit your monthly budget if you stretch it out over enough months.