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How does my credit rating affect my car financing options?
Your credit will be a major factor in determining whether you can obtain an auto loan, and what that auto loan will be like. And the loan you choose can have a big impact on your credit rating, as well. Learn more about it in our Auto Credit Education section.
I have less than perfect credit and need second chance auto financing. Does Prestige Financial offer bad credit car loans?
Prestige Financial has vehicle financing programs available for nearly every credit situation, and through the years, we've helped literally tens of thousands of people with credit challenges to get great credit and great cars. All day long, every day, bad credit auto loans are what we do best. If you've experienced divorce, recent bankruptcy, charge-offs, repossession, foreclosure, late payments or have very little credit at all, you're in the right place.
How do I apply for online bad credit auto financing through Prestige Financial?
Simple. Just fill out our LoanZone's 60-Second Online Credit Application, and you're on your way!
How quickly can I get approved and buy my car?
We offer one of fastest systems available anywhere. Once you've applied and been approved, it's simply a matter of meeting the requirements of the loan agreement. If all your documentation (such as paycheck stubs, a valid driver's license, proof of residence, etc.) is in order and you're ready to purchase, you can select your vehicle from the nearest participating dealership, and drive home right away.
How is Prestige Financial better than other companies that offer bad credit car loans?
It comes down to choice, power and expertise. Some lenders can get you a loan approval, but can't find a vehicle that works for the loan - or at least they can't find a vehicle that you'd ever want to drive. On the other hand, some dealers have a decent selection of vehicles, but have very limited financing options. Prestige Financial combines unmatched lending power with your choice of top-quality cars, trucks and SUVs from one of the country's largest networks of reputable, franchised dealerships. Since 1994, we've been getting people to
get the good credit they've needed for the cars they've wanted.
How can I be confident that I'm choosing the best lender?
Working to improve your personal credit is serious business. So regardless of whether you decide to let Prestige partner with you in this effort or if you or go somewhere else, keep in mind that a good lending partner will:
- Base lending decisions on attributes other than just your credit score or a serious credit problem that you may have had recently, such as a bankruptcy
- Try to approve you for a payment that fits your monthly budget comfortably
- Charge simple interest, which means that you're rewarded -not penalized- for making early payments
- Reward your good efforts, for example, by lowering your rate as you make payments on time
- Report to all three of the national credit agencies monthly, making each of your on-time payments a step toward re-establishment
And they'll try to do it all while helping you to get the best possible vehicle for low or no down payment.
I'm considering filing bankruptcy, or I just filed for bankruptcy. What are my chances of getting a bankruptcy car loan?
In a word: Excellent, regardless of whether it's a car loan while in bankruptcy or an auto loan after bankruptcy. Each year, unexpected events such as divorce, medical emergencies, job loss and overextension force millions of Americans to choose what is sometimes the only option left. For these honest, hard-working people, the decision to file for bankruptcy is never an easy one. You and your bankruptcy lawyer need to decide whether filing bankruptcy is the right decision for you. If you choose that option, know that since 1994, Prestige Financial has been the premier bankruptcy car loan source in the country, helping people get new and used cars while restoring or rebuilding credit after bankruptcy. If you've filed or intend to file for bankruptcy chapter 7 or chapter 13, learn more about our
LoanZone's Bankruptcy Approval Program, or go ahead and see if we can help you
get pre-approved.
¿Se habla español?
Por supuesto, se habla también español. Sírvase llamarnos a Prestige Financial o simplemente
visite nuestro LoanZone. Estamos dispuestos a servirle en su propio idioma y con el respeto que se merece, para obtenerle el financiamiento justo para un coche de último modelo.
In what parts of the country can Prestige help people buy a car?
In many convenient locations. We work with dealerships that can help you to buy a new or used car in and around the following areas:
- ALABAMA
Birmingham, Montgomery, Anniston, Gadsden, Phenix City
- ARIZONA
Phoenix, Mesa, Tempe, Scottsdale, Peoria
- COLORADO
Denver, Boulder, Fort Collins, Colorado Springs, Pueblo, Grand Junction
- DELAWARE
Dover, Wilmington
- FLORIDA
Clearwater, Daytona Beach, Deltona, Gainesville, Jacksonville, Lakeland, Orlando, Panama City, Pensacola, Port St. Lucie, Sarasota, St. Petersburg, Tallahassee, Tampa
- GEORGIA
Atlanta, Augusta, Columbus, Athens, Macon, Sandy Springs, Roswell, Albany, Marietta
- IDAHO
Boise, Nampa, Caldwell, Twin Falls, Idaho Falls, Pocatello, Coeur d'Alene
- ILLINOIS
Chicago, Aurora, Rockford, Naperville, Joliet, Springfield, Peoria, Elgin, Waukegan, Cicero
- KANSAS
Garden City, Colby, Dodge City, Hays
- MARYLAND
Baltimore, Laurel, Cumberland, Frederick
- MISSOURI
St. Louis, St. Charles, Arnold, Chesterfield
- MONTANA
Billings, Bozeman, Butte, Great Falls, Helena, Missoula
- NEBRASKA
Omaha, Lincoln, Bellevue, Grand Island, North Platte
- NEVADA
Las Vegas, Henderson, Elko, Wendover
- NEW JERSEY
Trenton, Toms River, Camden, Cherry Hill, Atlantic City
- NEW MEXICO
Albuquerque, Santa Fe, Rio Rancho, Los Lunas
- NORTH CAROLINA
Charlotte, Raleigh, Durham, Winston, Salem, Greensboro, Fayetteville
- NORTH DAKOTA
Fargo, Bismarck, Grand Forks, Minot
- OREGON
Portland, Beaverton, Hillsboro, Eugene, Ontario, Baker City, La Grande
- PENNSYLVANIA
Philadelphia, Reading, Harrisburg
- SOUTH CAROLINA
Columbia, Greenville, Spartanburg
- SOUTH DAKOTA
Sioux Falls, Rapid City, Aberdeen, Watertown, Pierre
- TEXAS
Austin, Dallas, Denton, Plano, Wichita Falls, Fort Worth, Waco, Tyler, Houston, Galveston, Beaumont, Port Arthur, Midland, Odessa, San Angelo, Amarillo, Lubbock, San Antonio, Laredo, Corpus Christi
- UTAH
Salt Lake City, West Valley City, Sandy, Draper, Murray, Ogden, Provo, Orem, Roy, St. George, Cedar City - VIRGINIA
Richmond, Arlington, Alexandria, Fredericksburg, Harrisonburg, Waynesboro, Virginia Beach - WASHINGTON
Seattle, Tacoma, Everett, Olympia, Vancouver - WEST VIRGINIA
Berkeley County, Morgan County, Jefferson County - WYOMING
Casper, Cheyenne, Laramie, Gillette, Jackson, Cody, Evanston
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