Finding the Right Dealer IsSimple and Fast
Our 3-step process connects you with dealerships that specialize in your credit situation. Here's exactly how it works.
Tell Us About Yourself
Fill out our simple 60-second form. We don't check your credit—we just need basic information to match you with the right dealer.
Personal Information
Name, address, contact info
Employment Details
Employer, income, time at job
Vehicle Preferences
Type, year, price range
No Credit Check by Us
SSL encrypted, 100% secure
Get Matched with Dealers
We analyze your application and match you with 1-3 local dealers who specialize in helping customers with your credit profile. You'll receive a call within 2-4 hours.
Specialized Dealers
Experts in bad credit financing
Fast Response
2-4 hour dealer contact
Personal Contact
Direct dealer communication
No Obligation
Free to explore options
Visit the Dealer and Drive Home
Visit the dealer to explore your options. They'll work with their lender network to find financing for your situation. Once approved, pick your vehicle and drive home!
Review Options
Dealer explains financing terms
Choose Vehicle
Select from available inventory
Complete Paperwork
Dealer handles everything
Build Credit
Improve score with payments
What You'll Need
For the Pre-Qualification Form
- Social Security Number
- Current address and housing payment
- Employer name and work phone
- Monthly gross income
- Down payment amount (if applicable)
At the Dealership
- Valid driver's license or ID
- Proof of income (pay stubs, bank statements)
- Proof of residence (utility bill, lease)
- Proof of insurance or ability to get it
- Down payment (cash, check, or trade-in)
Typical Timeline
3-5 Minutes
Complete application online
2-4 Hours
Dealer contacts you
Same Day
Visit dealer and review options
1-2 Hours
Finalize and drive home
Many customers drive home in their new car the same day they apply
Why Our Process Works
Specialized Dealers
We only work with dealers who focus on bad credit financing and have proven track records of approval success.
Smart Matching
Our technology matches your profile with dealers most likely to approve your specific situation.
No Wasted Time
We connect you directly with dealers who want to work with you, eliminating rejection and frustration.
Complete Document Checklist
Having these documents ready speeds up the approval process and shows dealers you're serious and organized.
Essential Documents (Required)
Valid Driver's License or State ID
Must be current and not expired
Proof of Income
2 recent pay stubs or 3 months bank statements (self-employed)
Proof of Residence
Utility bill, lease agreement, or mortgage statement (recent, within 60 days)
Social Security Number or ITIN
Required for credit verification at the dealership
Helpful (Not Required)
Personal References
5-6 non-family contacts (names and phone numbers)
Down Payment (if applicable)
Cash, check, or trade-in vehicle title
Insurance Quote or Policy
Shows you can obtain full coverage (dealer can help arrange)
Trade-In Vehicle Info
Title, registration, and keys (if trading in)
Pro Tip: Take photos of all documents on your phone before visiting the dealer. This way, if you forget a physical copy, you can show the digital version and follow up with the original later.
Quick Questions About the Process
What if I don't have all the documents?
Don't let missing paperwork stop you from pre-qualifying. Submit your information anyway, and the dealer will work with you to gather what's needed. They understand that situations vary and will help you find alternatives (like getting a pay letter from your employer if you don't have stubs).
Can I pre-qualify on weekends?
Yes, our online form is available 24/7. However, dealer responses typically occur during business hours (Monday-Saturday, 9am-6pm local time). Weekend submissions are usually contacted first thing Monday morning.
What happens if I'm not approved by the first dealer?
While our matching system is highly accurate, if the first dealer can't find a lender match, we'll connect you with an alternative dealer in your area at no additional cost. We don't give up on you easily.