Frequently Asked Questions

We work with a diverse network of lenders who approve customers with credit scores as low as 500. Even if you have no credit history, previous bankruptcy, or past repossessions, our specialized network is designed to help people in challenging credit situations.

Our matching service is completely 100% free to you. We are compensated by our lending partners and dealerships when we successfully connect you with them. There are no upfront fees, hidden charges, or costs to submit your application.

Submitting your initial request through our website generally does not impact your credit score. However, once you are connected with a specific lender or dealership and choose to move forward with a loan offer, they may perform a hard credit inquiry, which can have a minor, temporary impact on your credit score.

The process is incredibly fast! Most customers receive loan decisions or get contacted by a local dealership within 24 hours. In many cases, you can get pre-approved in minutes and be driving your new car the very next day.

Not always. Many of our lending partners offer "zero down" auto loan options depending on your income and the vehicle you choose. However, putting money down can often lower your monthly payments and help secure better interest rates, especially if you have poor credit.

Once you are approved by a lender or dealership, they will inform you of your maximum loan amount. You can typically choose any vehicle on their lot that fits within your approved budget and meets the lender's requirements (such as age and mileage restrictions).