Auto Loan For Bad Credit


Get Approved for an auto loan for bad credit today. It does not matter what your credit is. Apply and get the poor credit auto loan you deserve.

Auto Loan For Bad Credit Financing


We make getting a poor credit auto loan simple. Click the link below to begin our easy 3 step application process.

Bad Credit Auto Loans


No matter what your credit is, Napper Automotive will get you into the vehicle you deserve.

Shoppers with bad credit frequently have a difficult time qualifying for bad credit auto loans if their income is sourced from disability payments. Even if you have good credit it can, at times, be difficult getting approval for a car loan if all or a portion of your income comes from disability or social security payments. It’s even more difficult if you’re applying for car loans with poor or damaged credit.

The reason why lenders are cautious to finance a person with SSI or disability income is because that neither disability nor SSI income can be garnished, which means that if someone with either type of income has a vehicle repossessed, the lender can’t also confiscate their income in order to pay off the balance of the loan.

Taking this into consideration, lenders are especially careful when considering someone that has a poor credit history with either type of income. Despite that, there are at least two circumstances where a bad credit lender might consider an applicant with this income:

•    If a bad credit car loan applicant can show additional income sources that could be garnished, such as W-2 wages from their work (the longer the job time and higher the income, the better the chances of approval).

•    Details that show stability, such as long-term residence and “situational” as opposed to “habitual” bad credit circumstances (current credit problems stem from a single cause, such as job loss or medical issues compared to nothing but bad credit choices in the past) will also improve the chances for bad credit auto loan approval.

If you are claiming either disability or SSI income, you’ll need verification. In most situations, you’ll need to give the lender a copy of the original award letter showing the payment amount and duration. You also may be required to provide additional supporting documentation, such as bank statements, to prove that payments are received on a regular basis.

Disability and social security incomes are issues with any auto loan, and can pose an even bigger problem if you have poor credit. To improve your chances of approval, be sure to bring all documentation with you when you visit the dealer.

You should also know that we are serious about helping people with bad credit find a dealer for their best chance at getting approved auto loans. So if you’re ready to get your credit back on track, you can start the process now by filling out our online car loans bad credit application.

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