Is paying off a Bad Credit Auto Loan Early a Good Decision?

Applying for bad credit auto financing involves many considerations in deciding the amount of down payment, co-signer, credit score, etc. The loan term is a big concern that all of us tend to forget. It is not a matter that you should ignore because it can make or break your chances of getting affordable financing in the future.

Early or Scheduled Payments: What should a Bad Credit Buyer do?

When you apply for any financing, it affects your credit score. You can improve your credit score by making regular payments. But there are situations where you may feel to make larger payments and pay off the loan early. Should you take the plunge? Let’s find out.

1. What is the Total Car Buying Budget?

There is a rule of 20/4/10 that says that you should pay 20% of car price as the down payment, keep your term around four years and make sure that all your car expenses, including monthly payment, fuels, insurance, etc. be 10% of the total expenses. Why is the rule so essential for a car buyer?

When you are choosing a lender, you must consider your financial situation before making a decision. If you select an appropriate term in the first place, you can make timely payments and improve your credit score in the long run. However, if you choose an unnecessarily longer term, it will add up to your interest costs. And, if you opt for an exceptionally smaller loan term, it will increase your monthly payment burden. So, choose wisely after considering your budget.

2. Is there any Pre-Payment Penalty?

When you are applying for the loan, read all the terms and conditions carefully. A few lenders reprimand the credit borrowers for paying off the loan early. And others may be happy to help you pay off the amount early. If you believe you will receive a large sum of money shortly, choose a lender that does not charge a pre-payment penalty. It will help you to get rid of your financial commitments early.

3. What are your Investment Goals?

Do you want to invest in a new property? Are you planning to buy stocks shortly? Your investment goals and plans can help you to make a decision. If you keep the term shorter and make early payments, you may miss out on other investment opportunities. Consider the return on investments, the opportunity cost of your investment plans, and the overall cost of your financing program before opting for pre-payment.

4. What is your Aspirational Credit Score?

No matter your current credit score, if you aspire to improve your credit score and take it to the next level, you must keep making timely payments. A longer term looks good on your credit score card because the more payments you make, the more your score increases. Payment history is a 35% component of your credit score. Hence, if you have a bad credit score, it is advisable to choose the longer term.

5. Do you plan to buy a New Car in future?

If you are planning to purchase a new car in the next few years, then you can choose to pay off your current financial obligations, so you do not have to shoulder the responsibility of two loans at one time. It will ensure that your current vehicle will be debt-free, and you can sell it off to get yourself a new car in the future. You can also trade your old vehicle and enjoy a substantial reduction in the cost of the new one.

Thorough Consideration of all Factors is a Must.

You can choose to pay off your car loan early or keep it for the entire term depending upon your requirements, budget, and future goals. Please do not make a hasty decision because it can affect your credit score and your ability to seek affordable financing options in the future.

Make a wise decision.

Apply online to get the best bad credit auto financing in America. Choose low-rate auto loans to enjoy a comfortable payment schedule.

How to get a Bad Credit Auto Loan without a Co-Signer as an Ally?

There are online subprime lenders who do not look for a stellar credit history or even a co-signer. They often look at your gross monthly income, monthly expenditure, and other parameters of financial stability to approve your loan request. Before we learn tips about getting a bad credit auto loan without a co-signer, let's find out why a lender needs a co-signer.

Why do Auto Lenders need a Co-Signer?

When you apply for a loan and do not qualify for reasons such as a bad credit score, unstable employment choices, limited income, high debt to income ratio, etc., lenders will need a co-signer.

A co-signer is someone who signs your loan contract with you and is responsible for paying off the loan in situations you cannot. A co-signer can be anyone from your close friends or family members. They should have a good credit score and robust financial condition because it reduces the risk to the lender/financial institutions.

A co-signer increases your chances of auto loan approval, especially if you have a bad credit score. However, having a co-signer is not an option for all. You may not have someone to become your ally in the car financing process. It is also possible that you do not know anyone with a good credit score. No matter your situation, you can still get a bad credit auto loan with no co-signer in sight.

How to get a Bad Credit Auto Loan with No Co-Signer?

If you want to get a bad credit auto loan approval without a co-signer, the following tips will help you:

1. Show a Steady Source of Income

Lenders often check proof of income, especially for auto loan applicants without a co-signer. The scrutiny reduces their risk and guarantees the possibility of you making payments every month. Whether you have a low income or not, a steady income source helps your situation. So, provide pay stubs from the past six months to manifest regular earnings.

Note: If your gross monthly income is below $1000, you will find getting an auto loan approval difficult. So, get a second job or work more shifts to increase the total reported income to show your dedication towards getting an auto loan.

2. Review your Credit Report

Before thinking about choosing a car model or even preparing a budget for your new vehicle, it is imperative to check your credit report for errors. It helps to remove the transactional errors and mistakes which can lower your score unnecessarily. Fix the errors and improve the credit score to boost your chances of approval. You can also improve your credit score by paying off your debts. Keeping the debt-to-income ratio below 40% is also a wise decision.

3. A Steady Employment is Necessary

One way to ensure regular monthly payments is to have a steady job. Showing proof of a steady income with a reliable job can help bad credit auto buyers get quick loan approval. If you are self-employed, you must provide tax statements from the past two years to establish your position as a reliable borrower.

4. Making a Down payment will put you in Good Books

A down payment offers multiple benefits to the car buyer. It will reduce the loan amount and thus, help you with loan approval when you do not have a co-signer to support your loan request. Additionally, it will put the lender's trust in your financial situation and thus, allow you to qualify for low-interest rates and reduced monthly payments.

5. Always pick an Affordable Automobile

Pick an affordable car to improve your chances of getting a bad credit auto loan without co-signer. Choosing a cheaper vehicle or a used car that fits your budget will make getting an auto loan easy for you. It will reduce the lender’s risk and thus, help you to get better interest rates and more manageable monthly payments.

6. Opt for Subprime Auto Lenders

Instead of working with a traditional bank or stringent credit unions, seek the help of an online auto financing company that specializes in bad credit auto loans. Subprime auto lenders put less importance on credit scores, but they have their emphasis on income and employment. They even offer subprime lending options for borrowers with bad credit history so that you can get approval without a co-signer.

Whether you use one or all the auto loan tips, it is essential to remember that every piece of advice emphasizes manifesting you as a responsible credit borrower. So, do everything in your capacity to display a robust current financial situation despite a bad credit history, and you will not need a co-signer as your ally in the car financing journey.

Get a car loan today! Hit the road and DRIVE HAPPY!

Apply online to get bad-credit auto loans without co-signer. The online subprime lender also provides no credit and no co-signer auto loans.

How to secure a Low-Rate Auto Loan in Every Situation?

Everyone holds a dream of getting their own favorite set of wheels once they get to a certain age. Although a higher majority of people allocate a part of their income towards achieving this goal, you may need an auto loan to combat the rising prices of automobiles. Just as you shop around for your favorite car, it is essential to search for a low-rate auto loan; that helps you to make monthly payments on time.

Your plan of action should change depending on your situation. Let’s find out how you can get low-rate auto loans in different situations.

1. Do you think you can wait to apply for the Auto Loan?

It is possible that you may not need a car immediately and you can wait for a few weeks to apply for the loan. In such a situation, follow the tips mentioned below:

a. Wait for your Credit Score to go up

If you are not planning to buy a car shortly, you should improve your credit score. A credit score is the most significant factor that will affect the interest rates on your car loan. The higher the credit score, the lower will be the rate of the loan and vice versa. So, wait for your credit score to go up before getting an auto loan. You can do it by making your current monthly payments on time and setting off all the credit balances that you can.

b. Conduct Proper Research

Before entering the market to get your car loan, do proper research and study all the parameters involved. Rather than just depending upon one dealer, make sure to go around and analyze the car market, meet all potential dealers, banks, credit unions, etc. See what they have in store to offer for you, and negotiate thoroughly.

2. Do you have Money Saved up to buy a Car?

It is great if you have saved up money to buy a car. Here’s how you can put the money to good use.

a. Make a Higher Down Payment

If you have saved enough funds, then go for a higher amount as a down payment. The higher the amount of down payment, the lower will be the loan amount. It will directly affect the rate of interest you get from the lender. It will not only reduce the cost of financing but also reduce the monthly payment amount. Sounds like a win-win situation!

b. Don’t Customize your Car

Even if you have sufficient funds, do not customize your car by buying costly accessories. It increases the cost of your automobile, which in turn increases the amount of the loan that you need to obtain. To reduce the overall loan amount, choose a popular car model without any customization. It will ensure a higher selling price or trading value in the future.

3. Is Anyone willing to Help you?

Does anyone from your family or group of friends committed to helping you buy a new car? It can help you to make get lower interest rates on your auto loan.

a. Get a Co-signer

A co-signer is someone who would take the responsibility to make monthly payments on your behalf if you fail to do so. Having a co-signer means having financial assistance for the loan term. It further ensures the dealer that you would be able to make your monthly payments on time. A co-signer is usually a person from your family or friends who helps you get better interest rates for your loan. If you have someone who can co-sign your loan, do it.

b. Bargain on the Final Car Price

Before making the final down payment, you need to negotiate hard with your dealer to reduce the final price. If you are unsure of the negotiation process, take the help of your friends and family. This way, you will be able to find out the best possible deal for you.

After you have done a good amount of research for your loan, apply with several lenders and online auto financing companies to get affordable auto loan rates.

Buying a Car requires Planning!

The car buying experience is different for different individuals. You cannot compare your experience with that of your friend or a family member. Before you work for an auto loan, understand your situation, consider your finances and then, submit the loan application form.

Shop online to get low-rate auto loans. Whether you have a bad credit score or lack of down payment, the subprime auto financing company will ensure guaranteed car loan approval for its applicants.

How to make use of Six Rules to get Bad Credit Auto Loans?

If you are to buy a car with a bad credit history, auto loan approval will be a challenging task for you. Your credit score plays a significant role in getting auto loan approvals. It also has an impact on the interest rates that will be available to you.

What is the problem with having a Bad Credit Score?

The history of delayed monthly payments, high range of debt on credit card, and bankruptcy are a few factors that will indicate to the lender that you are a risky borrower. It will reveal that you tend to delay in making your monthly payments, or you may not pay them at all.

As a result, it can lead to repossession of the asset, and it involves significant expenditure to the lender. No lender wants to incur the costs associated with car repossession, and hence, they will not approve your loan request. Thus, it will become difficult for you to get a car loan even after having a stable income source.

The Secret to Getting Approved for Bad Credit Auto Loans

Do you have a bad credit score? You can still fulfill your dream of buying a car with an auto loan. By being informative and detail-oriented about the financing process, you can buy a car on your own. Learn six unsaid rules to buying a car with bad credit. Pay attention!

1. Limit the Extra Car Features

Since you are buying a vehicle with a bad credit score, be prepared to compromise on advanced car features. Avoid leather seats, seat warmers, sunroof, WIFI hotspot, wireless charging pads, and other add-on premium features for your car.

It is because lenders approve the bad credit buyers for a smaller amount. If you opt for premium car features, you will have to shell out money out of your pocket. Instead of spending money on unnecessary features, you can use the money to make a down payment and reduce the loan burden. Do not overburden yourself with a high-interest rate auto loan of a notable amount if you can avoid the premium car features.

2. Be Vigilant during the Paperwork

When you buy a car with an auto loan, a few dealers may try to engage you in complex paperwork that is confusing and time-consuming. Do not ignore the loan agreement. Take out time to read out all the terms of the loan agreement and be clear on them.

Find out if the dealer offers a cooling-off period to cancel the contract. Also, confirm that a lender or an auto financing company has approved your loan request before driving the car off the lot. Once you are clear with all the paperwork, sign it and take possession of your vehicle.

3. Beware of Scammers

Several dealers will try to pull off a scam and provide auto loans in bad faith. Other scams may involve selling off a damaged car/lemon or including hidden loan terms and conditions in the agreement.

It is also possible that a few lenders may charge you upfront fees for giving an auto loan approval and then refuse your request. Such car buying scams will result in further deterioration of your credit score. Do not fall for such scams. Get your facts clear and make a wise and well-thought decision.

4. Plan your Car Loan in Advance

Before you apply for a car loan, plan for it. Check your credit score. You must analyze it and check whether the delayed payments are tarnishing your overall score. Try to improve your credit score by paying off outstanding debt. You can settle some of the dues and apply for correction or elimination of false entries on the credit report.

If you plan to apply for an auto loan in the next six months, make your payments on time. Also, do not take any additional financial obligations. It is also wise to avoid changing jobs or spending an abundant amount on avoidable expenses. It will allow you to manifest your serious commitment to the lender.

5. Save Money for the New Car

Bad credit history will restrict you from getting approval for a higher amount of loan. It will also affect your chances of getting an affordable interest rate. Hence, it is best to arrange for a large sum of money as a down payment. It will not only increase your choices of vehicles to buy but will also help you with getting easy auto loan approval. If saving money for a down payment is difficult, apply for a bad credit no money down auto loan.

Additionally, you need to save money for car-related expenses such as DMV taxes, car insurance, car maintenance and fuel. Consider all the additional expenses before you choose a car.

6. Get a Pre-Approved Auto Loan

It is best to apply for a pre-approved auto loan by talking to your local bank or credit union. For people with a bad credit score, online auto financing companies can prove to be a boon. It is because their approval criteria are simple and less stringent than traditional banking institutions.

Before you walk to the dealership lot to select a car make and model, get your auto loan check in your hand. It will ensure that you exactly know how much money you have in hand before going out in the market to buy a car.

Getting a car loan with a bad credit score might be difficult. But, if you acquire the required knowledge, you will be able to achieve your goal.

Be cautious, and do not be desperate while talking to subprime lenders and car dealers. Make a wise choice after analyzing the situation thoroughly. If you follow the six unsaid rules and make an informed choice, bad credit auto loans will be easier for you.

How to find a Student Auto Loan that suits your Budget?

If you are a student who wants to purchase your car without taking any favors from parents, applying for a student car loan is the best thing you can do. Usually, students and young car buyers do not have a credit history in their name. However, do not worry about it. You can still get an auto loan of your choice with zero credit history and a limited budget. Many lenders approve first-time car buyers, but you need to have an action plan ready.

Are you allowed to enter into a contract with the Auto Lender?

Except for some states of America, the legal age to get your unrestricted driving license is 18 years. You can apply for a learner's permit at the age of 16. Additionally, you must know that minors under the age of 18 lack the capacity to enter into a contract. So, once you turn 18, you can apply for a car loan in your name.

Before attaining the age of majority, you may need help from your parents to apply for an auto loan. Once your parents receive the notification of auto loan approval from the lenders, you can buy a car of your choice. You can pay monthly payments to your parents and opt for refinancing options once you turn 18.

How to get approval on a Student Auto Loan Application?

Getting your first car loan is a tedious task, but there are many ways to make it easy for you so that you can finally drive to college in your car.

1. Find yourself a Regular Income Source

Getting a regular income source is the first step to make your car loan approval easy. Lenders tend to assess your income before deciding whether they can go ahead with your application. A reliable income source will provide them credibility and confidence in you. They will understand that you can make your monthly payments on time. As a full-time student, it will be difficult for you to manage a job. But having a part-time income source or a side hustle is always an option.

2. Make a Hefty Down Payment

A down payment is the proportionate sum of money you pay to the dealer to reduce the loan amount. Making a down payment not only reduces the chances of getting a burdensome car loan but also increases the chances of easy auto loan approval for car buyers without an established credit score. It enables the lenders to put trust in your ability to pay off the loan. Hence, you should adopt a disciplined approach while saving cash for your car and ensure a down payment.

3. Consider Other Car-Related Expenses

The down payment and the monthly payments are not the only expenses that you are going to incur. So before going for a car loan, consider all costs involved in buying and maintaining a vehicle. For example, auto loan processing charges, car insurance, gas prices, and car maintenance add up in a few months of buying a new car.

Buying a car is not enough because the maintenance of the vehicle is also critical. Hence, before deciding to go for an auto loan and prepare for the down payment, consider the additional costs of driving your car to the college. Create a budget and make sure you choose a low-maintenance vehicle.

4. Seek Parental Support in the Form of Co-Signing

The most appropriate way to get approval for your car loan is to get yourself a co-signer. He/she agrees to pay off the loan on your behalf. A co-signer with a good credit score increases the possibility of getting a student auto loan. Co-signing provides lenders with an assurance that they will be able to recover their investments.

If you do not want to ask for financial help from your parents, it is okay. It shows the strength of your character and will to become independent. However, if you can ask either of your parents to become a co-signer, it will enable you to buy a car. You can make regular payments on the car loan and take the financial responsibility on your shoulders.

Getting approval for your first car loan is an arduous task, especially when you have a limited budget. But, with a bit of dedication, research, and strong willpower, you can manage an auto loan approval even without a credit score. Make sure you understand your financial goals and create an actionable plan to buy your first car.

Do you want to drive your first car to the college? Getting a student auto loan is easy. Apply online to get no credit auto financing at the click of a mouse.

4 Reasons why it is Beneficial to make a Down Payment for your Car

A down payment is the percentage of the car price that you pay upfront to the dealer. It is the amount before getting an auto loan. Lenders usually want you to pay a small amount of down payment to assess your financial credibility. The usual proportion for a down payment is 20% of the purchase price for the new car. And, it is 10% of the price for the used cars.

Why is Down Payment Essential for a Car Buyer?

Here are the four reasons which prove the importance of making a down payment:

1. A for Approval

Making a down payment helps you to get car loan approval. When you are paying a particular amount for your car upfront, the lenders not only judge you as a credible borrower, but their risk also reduces in the process. If you choose not to make the monthly payments later, their overall loss will be lower. Thus, if you want to get auto loan approval, make a down payment. It will solve your troubles, especially if you have a bad credit score.

2. B for Better Deal

Since a down payment reduces the amount of loan you need, your monthly payments will also go down. It will lessen your financial burden while you repay the loan. And, thus, it will give you peace of mind. It will also enable you to make monthly payments on time even in the face of other expenses such as car maintenance, car insurance, student loans, mortgages, etc. It will improve your creditworthiness and credit score.

3. C for Cost-Effectiveness

The more money you give as the down payment, the lesser will be the auto loan amount. It means you will have to pay interest on a smaller loan amount. Not only this, but your interest rates will also reduce because the lender has more faith in your financial capabilities. Hence with a significant down payment amount, you can reduce your financial costs as well.

4. D for Depreciation Value of the Car

A new vehicle loses at least 25% of its value in the first year. If you do not make a substantial amount of down payment while buying the automobile, the asset value may depreciate quickly. The auto loan amount will remain higher than the market value of the vehicle. Hence, if you make a down payment, you can reduce the loan amount. You will also owe the lender far less than before.

Down payment is essential for everyone including, first-time car buyers. When you buy a car for the first time, it is harder to get auto loan approval. Hence, you must conduct thorough research and pay a substantial amount upfront while buying the vehicle. It will improve your creditworthiness, and so, the lenders will help you get your first car loan.

What to do when you have No Down Payment?

Although making a down payment is vital for so many reasons, few people cannot arrange it. The reason for that lies in the low cash flow available to them and the lack of financing options. But if you need to apply for a car loan without making a down payment, you can still manage to achieve your goals with the help of a few tips:

a. Improve your credit score to improve your creditworthiness. It may take some time to remove past financial mistakes from your credit report. So, you must choose this option if you have a couple of months to buy the car.

b. Getting a co-signer to share your burden is another technique of getting an auto loan without a down payment. A co-signer can also provide you with credibility.

c. Also, a few lenders provide no down payment auto loans to their applicants. Search online for such lenders and negotiate a car loan deal to your benefit.

Down payment is essential. But, if you cannot manage the cash for your down payment, you should give up on buying your favorite car. Discuss your chances of getting no money down auto loans with the lender and find out what options you have. This way, you will not have to wait and save money for a down payment, but you can also make the purchase immediately.

Are you ready to buy a car without a down payment? Choose the number one provider of no down payment auto loans in America. Whether you have a co-signer or not, a reputed bad credit auto financing company will serve you all.

How To manage your Bad Credit Score and still get a Car Loan?

A bad credit car buying situation is exhausting. A credit score is a primary factor in an auto loan to test your credibility. However, people with bad credit can still obtain an auto loan without the crushing interest rates. The most important aspect is to research the available options before finding the best auto loan. Adequate research will help you make the most of the financing deal and ensure that you obtain the car you desire.

Three Essential Financing Tips for Bad Credit Car Buyers

It is always a better option to have a bad credit auto loan or a subprime car loan than to find other options. Choosing a specialized financing option for people with credit issues will ensure that you do not get an unnecessarily exorbitant deal. Here are three essential tips for financial freedom:

1. Work on Your Credit Score

The number on your credit report will determine the type of auto loan that you receive. A bad credit score attracts a higher interest rate and a costly auto loan. Be on your best financial behavior before submitting your auto loan application. Report any fallacies in your credit report to ensure a higher credit score. Pay off your previous debt and make timely payments to improve your credit score. A high credit score means a better interest rate and an overall better auto loan deal.

2. Choose A Car Within Your Budget

A bad credit score makes it difficult to be qualified for higher auto loan amounts. The latest feature-rich SUVs and sports cars may be out of your budget. Opt for budget-friendly and fuel-efficient car models such as the Chevrolet Spark or the Hyundai Accent.

Compromise on extra features such as a sun-roof that can increase the total amount of the car. Your creditworthiness is compromised when you have bad credit. Thus, choosing an inexpensive car and promising to make timely payments can increase your creditworthiness and encourage the lender to approve your car even with bad credit.

3. Opt for Dealer Financing

Approvals on bad credit auto loans are rare and difficult to obtain, especially when you opt for a traditional lender. Dealer financing is the solution for bad credit car buyers because the approval terms are less stringent. The dealer may be ready to overlook certain factors such as your credit score or lack of down payment. Therefore, you should opt for dealer financing if you are in the market for subprime car loans.

Gone are the days when you had to walk from one dealership to another for loan approval. Nowadays, you can apply for dealership financing online. By choosing an online auto financing company with a wide network, you will have to submit just one application form and get access to several dealers and lenders for approval.

Seek Financial Freedom with a Bad Credit Auto Loan

Look at the process of bad credit car buying as an opportunity. You are building up a good credit score as you make regular payments towards your auto loan. You can even make a big down payment and take the help of a co-signer to obtain car financing when you suffer from bad credit.

Make sure to keep a consistent income source so you can manage a healthy debt-to-income ratio and make easy payments every month. This way, you will be able to achieve financial freedom in no time.

Do you want to buy a car? Do not let bad credit prevent you from becoming an owner of a new automobile. Apply with a subprime car financing company to get low-rate auto loans. Enjoy guaranteed auto financing at the click of mouse.

How to Buy a New Car this Valentine’s Day?

With Valentine’s Day right around the corner, the hunt for the perfect flowers, chocolates, and gifts is on everyone’s list. However, for those going out on a first date, the experience is similar to buying your first car. Your first car is your first love. You take the utmost care of your automobile, and you are attached to it in the same way as you are to your first love. Understand more about how you can buy a car for yourself or your significant other and get the right car deal.

Valentine’s Day Car Buying Guide: Treat Your Car Like Your First Love

1. Investing Time in the Relationship

Any new relationship requires investment in the form of time and affection. The more time you spend with your partner, the stronger will be the foundation of that relationship. Similar to a first relationship, you need to spend time buying a car. Experts recommend researching different car models, available interest rates, and the current deals on each model. Invest time and shop around at various dealerships in the initial stage of car buying to choose a car.

2. Compatibility with Your Partner

A similar interest level and compatibility are the next important things for a relationship to be successful. You and your partner should agree on the fundamental parameters that you feel are important. Similarly, in your car buying journey, your budget should be compatible with the car.

You should know your requirements. For example, do you want a feature-rich car or a utility-rich car? Many auto-portals can help you with various car options. Also, you should decide who will be using the automobile as the primary driver? It will help you in making the decision quickly.

3. Choosing the Right Partner

Your partner will help you in your highs and lows. So, choosing the right partner is imperative. Just like the right partner, the right car will make your life easy. However, to select the car model, you need to conduct thorough research of your car before purchasing it. If you are buying a used car, get a vehicle history report and let a mechanic check the automobile. Apply for a pre-approved auto loan to get your budget and car choice in order. You can also make a big down payment to grab the best car deal.

To get your perfect car, you also need to find the right partner in the form of an auto financing company. Work with a lender who understands your budget and allows you to make comfortable monthly payments. For example, if you are a student who has a zero credit score, make sure you choose a subprime lender to obtain a no credit auto loan. Similarly, if the down payment is an issue, discuss the possibilities of a zero down payment car financing option.

The Right Car Will Take You to The Right Places

Invest in purchasing the right car just as you would the right partner. A partner and your car are going to be there for most of your life. Therefore, you must select the first car as you would your life-partner and provide it with all the affection to make the journey ever-lasting.

Do you want to buy a new car on 14th February? Make your Valentine’s Day special with a new car by your side. Apply now to get pre-approved auto financing in two business days. Whether you have a zero credit score or a bad credit history, the subprime auto lender will make car buying simpler and more affordable for you.