CreditYES® has been helping people secure auto loan preapproval since 2004. With over 1 million satisfied customers, CreditYES® is the trusted auto loan authority. We specialize in people and operate under the belief that speed bumps in life shouldn’t keep you from leasing or buying a quality new or late model used vehicle of your choice. Past credit problems shouldn’t mean you can’t get a vehicle or – worse yet – be stuck with an older model, higher mileage automobile that is prone to breaking down. 

We’ve developed a unique, state-of-the-art system that matches individuals to local dealerships based on their budget and needs. Our dealerships can find multiple lenders to give you the best monthly payment options.

CreditYES Stacked LogoWithout impacting your credit score, our fast and secure process can get you preapproved for a car and can link you with a dealership in your area. By becoming pre-qualified, you have a much better indication of what you can afford before you even walk out the door.

Many times, people with bad credit looking for cars, find themselves with few options and little support. Our friendly and knowledgeable credit specialists, based in Nashville, are available 24/7, 365 days a year to answer any questions you may have. We pride ourselves on our customer service and our experts are educated in automotive financing. You can call, text, or email us anytime. 

Don’t take our word for it. See what real people are saying about CreditYES®:


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You must have a job or stable monthly income to pre-qualify with CreditYES®. It is ideal if you make at least $500 per week before taxes, but we can still help if your income is a bit less. 

Not having a history of repossessions is helpful in getting you fully pre-qualified. If you’ve had only one or no vehicle repossession in the past 10 years, we can still get you into a new vehicle.

You must complete our automotive finance application, either online or over the phone. The application process takes approximately five minutes to complete and it will not negatively impact your credit score.

Once you have completed our auto loan preapproval application process, a Credit Specialist will contact you within 5 minutes to verify your information. We will also explain the financial details and ask you about your vehicle preferences. Based upon your individual needs and wants, we will connect you with a reputable car dealership in your area. With the knowledge of your pre-qualification amount, you’ll be able to walk into a dealer with confidence and choose a new or late model used vehicle you want.

We will set up an appointment to meet with the dealer in your area. Our dealer partners are eager to earn your business and they want to offer their best price upfront so you don’t have to haggle or play games. You can test drive any vehicle on their lot without worrying about whether you are wasting your time. Once you find the vehicle you want the purchase process is seamless. You save time and money with CreditYES®.


Free & No Obligation

CreditYES® is a completely free service. You don’t have to worry about hidden fees or out-of-pocket expenses. Best of all, there is never any obligation to buy after we get you pre-qualified.

Trusted Dealers

We’ve built a nationwide network of automotive dealerships all working together to help individuals with less than perfect credit. From brand new to late model used, CreditYES® dealers feature the biggest brands and massive inventories.

The Best Customer Service

Our specialists are highly skilled and knowledgeable in helping people overcome credit obstacles. We’re compassionate and understand your situation. Best of all, we’re located in the United States and are available anytime.

If you’re looking for a solution to buying a car with bad credit, let the experts at CreditYES® help you with your next vehicle purchase. Our service is free and you are under no obligation to buy.

Your information is secure and protected with 256-bit encryption. We never pull a full credit report, so pre-qualifying for an auto loan now doesn’t affect your score in the future.

Our world-class customer service is available anytime, anywhere in the United States. We are the auto loan preapproval experts, and can get you in a new car today.

Automotive financing shouldn’t be so complicated. We do the heavy lifting so all you need to do is show up, drive, and decide which vehicle you want.