HomeDebtTop 3 Auto Loans for Bad Credit

Top 3 Auto Loans for Bad Credit

For many of us, cars are something we take for granted. Without cars, our journeys would be so much longer. We’re so used to being able to drive around that without a car, we’d be left clueless.

Especially in rural areas, cars are a necessity. Public transport isn’t efficient everywhere, so many of us need cars to get around. However, cars can certainly burn a hole in your wallet.

Even a budget-friendly car can require an auto loan – it’s one of the more expensive things you buy in life, so it’s important to find the perfect car with the perfect auto loan.

Thankfully, there are many suitable car loans out there, even if you have a less-than-perfect credit score. Keep reading to find out more about the best car loans for bad credit.

Auto Credit Express


  • Even applicants with bankruptcy on their record stand a chance of being accepted
  • Can get approved with a 0 down payment
  • Even cars with a high-mileage can get accepted
  • Application only takes three minutes to complete


  • You need a steady income of at least $1,500 PCM to be considered

If you’ve got bad credit, it’s not the end of the world. Auto Credit Express specialises in auto-loans for borrowers with a poor credit score – and even people who have bankruptcy on their record, which is something that many other auto loan companies would avoid.

Even if you have no credit history, you could still successfully get an auto loan with Auto Credit Express. Whether you’ve had no direct debits or are a young adult wanting to commit to a car, you won’t be excluded by Auto Credit Express.

Some auto loan companies have a huge down payment, but thankfully, your loan can get approved with a zero down payment! This is perfect if you’re on a budget or you don’t have a huge pile of money to get started with.

You do, however, need to prove that your income is at least $1,500 per calendar month (pre tax). This is understandable as they do need some kind of assurance – especially if they accept customers with a poor credit history.

Blue Sky Auto Finance


  • Can borrow up to $30,000
  • May still get accepted if you have no credit history or if you have bankruptcy in your past
  • Some deals have a zero down payment
  • Quick and easy process


  • If credit score is below 652 you need to earn at least £1800 PCM

Blue Sky Auto Finance is a quick and easy way to find the perfect auto loan for you. To get started, you simply fill out a single application form and it gets sent off to a list of potential lenders.

In order to get accepted for most of the lender options, you’ll need a minimum credit score of 550. If you have a score below this, don’t be disheartened – there’s still a small chance you’ll find a loan suitable for you. You also stand a chance of finding a loan if you have no credit history – and even if you have bankruptcy in your past!

You can get up to $30,000 with a Blue Sky lender, which is enough for even luxurious cars. As they offer such a large amount, you will need to provide proof of income. If you earn less than $1,800 per calendar month, then unfortunately you’ll need a credit score of 652 or more in order to be accepted.

Cars Direct


  • Can get connected to lenders within 24 hours
  • Work with borrowers with recent bankruptcies in their history
  • Competitive interest rates
  • Simple and speedy application process


With Cars Direct, you not only get loans, but you can also shop for new and used cars. First, you just need to fill out a brief application form. It will take a couple of minutes to complete, and upon completion, you’ll receive offers from dealers within 24 hours.

Once you’re connected with a lender, you can shop for old, new, and used cars through the dealer – and the customized financing plan will already be in place, which is sure to save time and energy.

If you have a recent bankruptcy, then don’t worry – Cars direct work with borrowers with a poor credit history, as well as no credit history. Some lenders offer a plan in which a co-signer helps you get your auto loan. This will ensure better interest rates and more appealing terms.


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