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How does my credit rating affect my car financing options?
I have less than perfect credit and need second chance auto financing. Does Prestige Financial offer bad credit car loans?
How do I apply for online bad credit auto financing through Prestige Financial?
How quickly can I get approved and buy my car?
How is Prestige Financial better than other companies that offer bad credit car loans?
How can I be confident that I'm choosing the best lender?
I'm considering filing bankruptcy, or I just filed for bankruptcy. What are my chances of getting a bankruptcy car loan?
¿Se habla español?
In what parts of the country can Prestige help people buy a car?
  PFS Building
 

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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.

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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.

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How do I apply for online bad credit auto financing through Prestige Financial?
Simple. Just fill out our 60-Second Online Credit Application, and you're on your way!

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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.

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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.

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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.
Equifax Experian TransUnion

 

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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 Bankruptcy Approval Program, or go ahead and see if we can help you get pre-approved.

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¿Se habla español?
Por supuesto, se habla también español. Sírvase llamarnos a 1(888)822-7422

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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
    Anniston, Birmingham, Gadsden, Montgomery, Phenix City, Tuscaloosa
  • ARKANSAS
    Fayetteville, Jacksonville, Jonesboro, Little Rock
  • ARIZONA
    Casa Grande, Flagstaff, Gilbert, Kingman, Mesa, Peoria, Phoenix, Prescott, Scottsdale, Tempe, Tucson
  • CALIFORNIA
    Los Angeles, Sacramento, San Diego, San Francisco
  • CONNECTICUT
    Bridgeport, Hartford, Manchester, Norwich, Waterbury
  • COLORADO
    Aurora, Boulder, Colorado Springs, Denver, Englewood, Ft. Collins, Grand Junction, Greeley, Lakewood, Longmont, Pueblo
  • FLORIDA
    Jacksonville, Miami, Orlando, Tallahassee, Tampa
  • GEORGIA
    Albany, Athens, Atlanta, Augusta, Buford, Columbus, Douglasville, Duluth, Gainesville, Macon, Marietta, Roswell, Warner Robbins
  • HAWAII
    Aieu, Honolulu, Kaneohe, Lihue, Pearl City, Puhi, Waiau, Waipahu
  • IDAHO
    Boise, Caldwell, Coeur d’Alene, Idaho Falls, Nampa, Pocatello, Twin Falls
  • ILLINOIS
    Arlington Heights, Aurora, Chicago, Decatur, Elgin, Granite City, Joliet, Naperville, Normal, Peoria, Rockford, Springfield, Urbana, Waukegan
  • INDIANA
    Bloomington, Columbus, Ft. Wayne, Gary, Indianapolis, Richmond
  • IOWA
    Cedar Rapids, Council Bluffs, Des Moines, Iowa City, Oskaloosa
  • KANSAS
    Kansas City, Topeka, Wichita
  • KENTUCKY
    Henderson, Hopkinsville, Lexington, Louisville, Richmond
  • LOUISIANA
    Alexandria, Baton Rouge, Lake Charles, Monroe, Shreveport
  • MAINE
    Augusta, Bangor, Brunswick, Portland
  • MARYLAND
    Baltimore, Glen Burnie, Frederick, Laurel, Leesburg, Manassas
  • MICHIGAN
    Ann Arbor, Detroit, Grand Rapids, Lansing
  • MINNESOTA
  • Alexandria, Duluth, Minneapolis, Rochester, St Paul
  • MISSISSIPPI
    Columbus, Grenada, Jackson, Meridian
  • MISSOURI
    Arnold, Chesterfield, Columbia, Independence, Kansas City, Lee’s Summit, O’Fallon, Springfield, St. Charles, St. Joseph, St. Louis, Sullivan
  • MONTANA
    Billings, Bozeman, Great Falls, Helena
  • NEBRASKA
    Lexington, Lincoln, Norfolk, Omaha, Scottsbluff
  • NEVADA
    Carson City, Elko, Las Vegas, Reno
  • NEW HAMPSHIRE
    Berlin, Manchester, Portsmouth
  • NEW JERSEY
    Atlantic City, Camden, Carteret, Cherry Hill, Newark, Summit, Trenton, Toms River
  • NEW MEXICO
    Albuquerque, Los Lunas, Rio Rancho, Santa Fe
  • NORTH CAROLINA
    Charlotte, Columbia, Fayetteville, Greensboro
  • NORTH DAKOTA
    Bismarck, Dickinson, Fargo, Jamestown, Williston
  • OHIO
    Akron, Athens, Cincinnati, Cleveland, Columbus, Dayton, Findlay, Sandusky, Toledo
  • OKLAHOMA
    Lawton, Muskogee, Norman, Oklahoma City, Tulsa
  • OREGON
    Baker City, Beaverton, Eugene, Hillsboro, La Grande, Ontario, Portland, Salem
  • PENNSYLVANIA
    Allentown, Philadelphia, Pittsburgh, Williamsport
  • SOUTH CAROLINA
    Charleston, Columbia, Florence, Greenville, Spartanburg
  • SOUTH DAKOTA
    Brookings, Rapid City, Sioux Falls, Watertown
  • TENNESSEE
    Chattanooga, Clarksville, Knoxville, Memphis, Nashville
  • TEXAS
    Amarillo, Austin, Beaumont, Corpus Christi, Dallas, Denton, Ft. Worth, Galveston, Houston, Laredo, Lubbock, Midland, Odessa, Plano, Port Arthur, San Angelo, San Antonio, Tyler, Waco, Wichita Falls
  • UTAH
    Bountiful, Draper, Logan, Murray, Ogden, Orem, Park City, Provo, Roy, St. George, Salt Lake City, Sandy, West Valley City
  • VIRGINIA
    Alexandria, Arlington, Charlottesville, Fredericksburg, Harrisonburg, Martinsville, Newport New, Richmond, Roanoke, Waynesboro, Virginia Beach
  • WASHINGTON
    Bellingham, Everett, Lakewood, Lynnwood, Mt. Vernon, Olympia, Port Angeles, Puyallup, Seattle, Tacoma, Vancouver
  • WISCONSIN
    Chippewa falls, Delevan, Madison, Milwaukee
  • WYOMING
    Casper, Cheyenne, Cody, Douglas, Evanston, Gillette, Jackson, Laramie, Rock Springs
 
   
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