You don’t need perfect credit to buy a car. We work with dealerships that are committed to helping people get the cars they deserve, even if they have less than perfect credit. Our network of local dealerships is ready and waiting for your call right now!

CreditYES® is the best way to get approved for an auto loan and purchase your dream vehicle regardless of your credit history. We work with dealerships across the nation that are committed to helping people like you who may not have had success in the past due to your credit situation. Our lenders will work with you one-on-one so that we can understand what’s holding back your ability to buy a car and find out how we can help make this dream come true!

You shouldn’t let anything stand between you and owning a brand new vehicle. With our easy online pre-qualification process, there’s no reason why anyone should feel stuck when searching for a brand new vehicle. Let us help you realize your dreams today! Our application only takes 2 minutes and could change everything. Don’t wait any longer – apply now!

Happy woman holding keys in front of her new car.


For customers with bad credit, dealerships use the term “special finance” when it comes to auto finance. In financial circles, these customers are considered subprime, meaning they don’t qualify for “prime rate” loans. Consumers who have collection activity reported on their credit report, filed for bankruptcy, had repossessions, or a limited credit history fall into this category.

The percentage of people who fall into the special finance category in the United States is around 35 percent, so there are many auto loan companies that have products tailored to special finance (or subprime) consumers.

While subprime auto finance customers typically have higher annual percentage rates and may require a down payment, this isn’t always the case. As more people find themselves in life situations that result in poor credit, lenders and dealerships have developed systems that will allow you to purchase a new car with bad credit and not be chained down by cumbersome repayment terms.

Finding a bad credit car dealership and making a purchase can actually help rebuild your credit overall. By making on-time monthly payments on your vehicle, your credit score will increase over time. Purchasing a brand new vehicle will allow you the peace of mind of reliable transportation and will give you a positive repayment history over time.

CreditYES® is the leading provider of subprime auto finance. We offer financing to customers with poor credit, no credit, or bankruptcy. Our rates are competitive and our terms are flexible. You can drive away in your dream car today! Get approved for an auto loan even if you have bad credit! With CreditYES®, we’ll work hard to get you into the vehicle that fits your lifestyle and budget. Pre-qualify online now so we can start working on getting you behind the wheel of your dream car today.

Two people laying on the ground with an image of a car in the clouds.


Know Your Credit – visit annualcreditreport.com and you can pull a 3 bureau credit report for FREE once per year. 

Know Your Budget – Transportation is important, but you must balance the need for a vehicle with your other monthly obligations. An auto finance calculator can help by showing you what an anticipated monthly payment could be

Choose Reputable Companies –There are many lenders and bad credit dealerships that claim to be able to help, but you should always do your research. How are their reviews? Are there any active complaints with local or state authorities? Can you speak to a live person when you call?


Buying a new car with bad credit couldn’t be easier with CreditYES®. Nothing is more frustrating than finding a vehicle you want, only to have to sit in the finance office for hours. That’s where we come in.

We’re not just talking about small, one-location corner car lots (or worse, buy here pay here dealers). Our dealer portfolio includes some of the largest dealerships in the country and feature every make and model of vehicle imaginable. You can find your dream car with CreditYES®. All it takes is a few minutes to fill out our online application. Once approved, we’ll connect you with one of our trusted dealership partners who will work hard to get you into your dream ride as quickly as possible.

No more sitting in finance offices for hours on end while they try to figure out how much money they can squeeze from you. With CreditYES®, buying a new car has never been easier or faster! And best yet, there are no hidden fees or surprise charges once you sign on the dotted line. It really is that simple! Just complete our easy pre-qualification and see what happens next…we promise it won’t take long at all before an actual person contacts you back!

Best of all, the CreditYES® network is highly skilled in obtaining the best auto options for people with bad credit. With great relationships with many different subprime lenders, we have the largest network of bad credit dealerships that can often give customers multiple financing options.



First, you must either call us or complete our quick online application. There is no impact to your credit score and your information is secured with 256-bit encryption technology.

Next, you’ll speak with one of our knowledgeable credit specialists who will verify the information you provided and ask you about the vehicle you’re looking for.

If you meet our minimum requirements, we will then match you with a dealership in your area and can even set an appointment for you. The dealer will receive all of your application information, including credit score. While you’re shopping the lot, the finance department is already working on getting you a deal.

If you’re looking for a bad credit auto loan to buy a new vehicle, CreditYES® is your best option. Since our beginnings in 2004, we have helped over 1 million people get a new car. Bad credit doesn’t mean you can’t enjoy that new car smell.

We are an established business providing financial guidance to customers with credit obstacles who want to buy new vehicles. Highly rated on TrustPilot, we strive to offer the best customer service possible from our Nashville call center.

The dealerships in our network are reputable and come highly recommended. More importantly, our dealers are highly skilled in the intricacies of subprime auto finance and have developed relationships with banks and lenders nationwide.

Even with bad credit, buying a new vehicle shouldn’t be a difficult experience. We believe your past financial history shouldn’t define your future. Our credit experts and trusted dealers are ready to help you drive today. Let us help you get into the vehicle you need, want, and deserve today.