We say yes — even when others don’t.
Get your real pre-approval in about a minute. No SSN to start, no credit hit, no salesman. Bad credit, no credit, and ITIN buyers welcome.
Want your real approval options? Pre-qualify in 2 minutes →
4.85
184 Google reviews
“I was told no everywhere because of my ITIN. Here it took one hour and I drove home in my RAV4. Todo en español, sin estrés.”
“No games on price — the number online was the number on paper. Fastest car purchase I've ever done, maybe 90 minutes total.”
“First-time buyer with thin credit. They explained every option instead of pushing the most expensive one. The 7-day warranty gave me peace of mind.”
“Traded in a car I still owed on. They handled the payoff and were transparent about every dollar. Came back two years later for my son's car.”
“Hector respondió mi texto en minutos un sábado. El proceso completo fue claro, rápido y sin presión. 100% recomendado.”
“Check-engine light two days after purchase — they fixed it free, no argument, under the included warranty. That's how you earn repeat customers.”
Estimate your monthly payment
Move the sliders for a real estimate — then pre-qualify for your actual numbers in 60 seconds, no SSN and no credit hit.
Estimate your payment
No SSN · no credit hit72 mo · 13.9% APR
- Total interest
- $7,676
- Total of payments
- $23,676
Just a rough guess — this isn’t a credit check.
Estimate only — not a financing offer, application, or credit approval. A selected credit range is self-reported to refine the estimate only; it is not a credit check and does not affect your credit score. Your actual APR, down payment, and monthly payment depend on lender review and credit approval. Excludes tax, title, and fees.
Book a time to come in
Prefer to talk in person? Pick a time — we’ll have your options ready when you arrive.
Every credit story is welcome.
We compare local and national lenders to find your best payment — you don’t chase them. Here’s who we get approved every day.
No credit or low credit
First-time and credit-rebuilding buyers qualify fast through friendly programs.
Bad credit welcome
Repos, collections, or charge-offs — our lenders focus on your income, not your past.
ITIN & passport
SSN not required in many programs. Bring your ITIN card or matrícula consular.
Post-bankruptcy
Fresh-start options for recent Chapter 7 or 13 to rebuild with a reliable car.
Self-employed / 1099
Gig work or your own business? Bank statements are welcome.
$0 & low down
Qualified buyers can drive with little or no money down.
Financing questions, answered straight.
Can I get approved with bad credit or no credit?
Yes. Repos, collections, charge-offs, or no credit history at all — our lenders focus on your income, not your past. We work with subprime programs down to 500 FICO and first-time-buyer programs that don't require credit history.
Can I finance a car with an ITIN instead of a Social Security Number?
Yes. An SSN is not required in many of our programs — bring your ITIN card or matrícula consular. About 87% of our ITIN applicants are approved through our 5+ lender network.
Do you finance after bankruptcy?
Yes. We have fresh-start options for buyers coming out of a recent Chapter 7 or Chapter 13, so you can rebuild with a reliable car — on-time payments report to the credit bureaus.
I'm self-employed or paid on 1099 — can I still qualify?
Yes. Gig workers and business owners qualify with bank statements instead of pay stubs. Around $500+/month in verifiable income is the usual starting point.
How much do I need for a down payment?
Qualified buyers can drive with little or no money down. Most approvals land between $0 and $2,500 down, depending on the lender, the vehicle, and your income.
Does getting pre-approved hurt my credit?
No. The 60-second pre-approval is a soft pull — no SSN needed to start and no hit to your score. A hard inquiry only happens later, with your permission, when a lender finalizes your loan.