Frequently Asked Questions

Q: Is this program for new cars or used cars?
A: When you are approved, you will be able to choose from new or used cars, it's up to you. When we follow up, we will discuss the best option for you.

Q: What are the interest rates for my auto loan?
A: Interest rates are determined by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. However, we can tell you we have the best rates in the industry!

Q: How long does the application process take?
A: The application only takes a couple minutes to complete. You should complete every step of the application accurately and honestly for better loan success. If you leave some parts blank or do not complete all necessary steps, your application could be denied. You should get a response from us very quickly. In the unlikely case you do not hear from us, you should reapply and complete ALL STEPS. There may have been an error in your application or it may have been incomplete.

Q: Can I get an auto loan even if I have bad credit?
A: Of course, that's what makes of different from the rest! We will work with you every step of the way to you get approved! Most companies only extend credit to good credit, but we extend to everyone! We're constantly raising our standards to help everyone obtain a quality loan!

Q: Are there any fees associated with your auto loan application?
A: This is an absolutely free service.

Q: What kind of vehicles can I get through your service?
A: Anything you want. Sport Utilities, Vans, Trucks, Passenger Cars, Luxury Cars and Sports Cars.

Q: If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?
A: We recommend you get a warranty when you finalize your loan to protect your vehicle for years to come. If you vehicle breaks down and you don't have enough money to repair it, it's easy to default on your loan. A warranty will protect you and keep this from happening! We've partnered with the best warranty company in the US, click here.

Q: Does buying a pre-owned vehicle really help me reestablish my credit?
A: Yes. When checking with the credit bureau, many lending institutions look at automobile loans more closely than any other type of loan (other than home loans) to verify your credit standing. If you want to improve your credit fast,  unsecured credit cards also help greatly. Buying a car from a "buy here, pay here" lot that does not report to the credit reporting agencies is usually not productive because it does not help your credit record at all.

Q: Is it safe to submit my information over the internet?
A: Yes, it is completely safe. We are on file with the BBB and go through rigorous security checks daily with Trust-Guard. Your information is 100% safe and encrypted with us and we don't sell it to third parties. When you apply, look for the "https://" is the address bar to verify you're using a secure site!

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Bad Credit (525+)
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Auto Approval Center is a lead provider to lenders around the US. Average APR rates range from 3.2% to 24% depending on credit. Some dealers/lenders may have implications for non-payment or late payments, please see your specific terms for more information. By applying with Auto Approval Center, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score. Thank You for your business!