FAQS (Frequently Asked Questions)

No. You are not required to pay any fee whatsoever if you choose to use our services and submit an application. There are no hidden charges that you need to worry about. Finance costs and rates will vary according to the lender and your current credit status.
No. You are not obligated in any way to accept a loan or loans offered by any of our dealers or lenders.
Once you’ve submitted your application, we match you to the auto finance partner within our network that best suits your needs. If they approve you, they will contact you directly and assist you in finalizing your loan.
The interest rate you will pay is dependent on the amount of your loan, the type of car you purchased and your credit score. Once your application is approved, you will be contacted by a credit processor who will give you all the details you need to know about your loan, including the interest rate and how much you are expected to pay monthly.
A down payment is usually required unless you have good credit. The down payment amount will vary depending upon the selling price of the vehicle and your credit score.
If your loan is approved by one of our direct lending partners, you will be able to go to any auto dealer and select any car they have that fits within the maximum loan amount. If your loan is approved by one of our auto dealer partners, you’ll need to purchase a car from them. Keep in mind that even if you are approved by an auto dealer partner, they are always able to search other dealerships to find a car that meets your needs.
Most of the time our lender and auto dealer partners can complete the loan process within 24 hours.
We understand that not everyone will have a perfect credit score. This is why we have a vast network of lender and dealer partners that specialize in providing auto financing for all credit situations.
Applicants with extremely poor credit may be required to have a co-signer.
Your personal and sensitive information is 100% safe here at All Credit Car Loans. All the information we receive from you is encrypted and goes through strict industry standard security protocols.

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Refinance Auto Loan

If you are looking for a quick and easy car loan, a "no credit car loan" might be a good option. However, you need to know what you are getting yourself into with loans of this type.

No Credit Car Loans - the Background

The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.

What a Buyer Might Face With No Credit Car Loans

If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.

Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of 3-4 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?

Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.

Used Car Loans For Bad Credit
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Car Loan For Bad Credit

Vehicle Loans For Bad Credit

If you are looking for a quick and easy car loan, a "no credit car loan" might be a good option. However, you need to know what you are getting yourself into with loans of this type.

No Credit Car Loans - the Background

The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.

What a Buyer Might Face With No Credit Car Loans

If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.

Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of 3-4 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?

Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.

Apply Now

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