The Best Auto Loan Lenders for Non Perfect Credit

Worried you won’t be able to finance a new car because your credit score isn’t perfect? That’s a complete myth.

These days, almost anybody can finance a car, and you aren’t required to have a good credit score to get a great car loan. If you have less-than-perfect credit, you will have multiple options available that will allow you to finance the car you’ve dreamed of with a reasonable and affordable monthly payment.

Luxury Sedan

Over the past few months, large car manufacturers such as Honda, Chevrolet, BMW, and Ford have dramatically increased their car production. This excess supply of cars has placed great pressure on dealerships to sell as many cars as possible, some at prices almost too good to resist. With the surge in supply, lenders are looking to help customers with bad credit get into a brand new car with affordable monthly payments.

If you are looking for a bad credit auto loan, the following lenders may be a great option.

Lending Tree

Thankfully, having less-than-perfect credit no longer means having to pay sky-high interest rates for a car loan. Lending Tree offers auto loans as low as 3.09%. (1) Lending Tree is also a well-established lender with a long history.

With Lending Tree’s easy-to-use website, you can view all of the financing options available to you. Consumers can search for their auto loan all online, and apply for financing right on the Lending Tree website, meaning there’s no bank or lender to talk to. Once you go through the process, you will be able to compare loans from multiple lenders as well, all at one single time. This can give you the opportunity to find the best loan for your finances, budget, and credit score.

Pros of Lending Tree

  • Interest rates may be as low as 3.09 percent
  • Multiple loan offers to choose from
  • A large database of lenders that gives customers a diverse array of options
  • No cost to apply for an auto loan
  • Find loans for almost all credit types.

Auto Credit Express

Auto Credit Express has been a long-time player in the auto lending space for years. The company specifically focuses on consumers with troubled credit, connecting them to a wide array of lenders or dealerships that can finance them. (2) Even with past bankruptcies or repossessions, Auto Credit Express can help you find an auto loan regardless of your financial past.

Auto Credit Express’s requirements are a gross income of just $1,500 before tax. (2) Additionally, consumers can still get an auto loan from Auto Credit Express for higher mileage vehicles.


  • Connects customers with bad credit to lenders and dealerships
  • Consumers can finance new or used vehicles
  • Well-connected with traditional dealerships that offer financing in-house

Lenders can be tricky to work with, especially for those who have less than ideal credit. Lenders for bad credit consumers may try to add more fees and higher interest rates, making it harder to get the financing you need. However, with, you won’t have to stress about paying more than you should. You may get preapproved for an auto loan in as little as two minutes, and you won’t have to talk to or work with multiple lenders. requires customers to have a monthly income of $1,800 per month pre-tax, which amounts to an annual income of $21,600 per hear.

Capital One

Whether you are searching for the latest models or are looking for a practical used car, Capital One can help you get the auto loan you need. Capital One has partnered with over 12,000 dealerships across the country, which all offer Capital One as a lender.

With Capital One, you can get pre-qualified for an auto loan. This makes it so that consumers with bad credit won’t have to take multiple credit hits when applying to multiple loans. However, it is important to note that Capital One will not finance a used car financed by a private party.

Find Your Loan Today

Trying to find an affordable loan with less than amazing credit can be difficult, but not impossible. However, with these services, you can find an auto loan that fits your financial situation like a glove.

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