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 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
Bankruptcy Approval Program, or go ahead and see if we can help you
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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:
Anniston, Birmingham, Gadsden, Montgomery, Phenix City, Tuscaloosa
Fayetteville, Jacksonville, Jonesboro, Little Rock
Casa Grande, Flagstaff, Gilbert, Kingman, Mesa, Peoria, Phoenix, Prescott, Scottsdale, Tempe, Tucson
Los Angeles, Sacramento, San Diego, San Francisco
Bridgeport, Hartford, Manchester, Norwich, Waterbury
Aurora, Boulder, Colorado Springs, Denver, Englewood, Ft. Collins, Grand Junction, Greeley, Lakewood, Longmont, Pueblo
Jacksonville, Miami, Orlando, Tallahassee, Tampa
Albany, Athens, Atlanta, Augusta, Buford, Columbus, Douglasville, Duluth, Gainesville, Macon, Marietta, Roswell, Warner Robbins
Aieu, Honolulu, Kaneohe, Lihue, Pearl City, Puhi, Waiau, Waipahu
Boise, Caldwell, Coeur d’Alene, Idaho Falls, Nampa, Pocatello, Twin Falls
Arlington Heights, Aurora, Chicago, Decatur, Elgin, Granite City, Joliet, Naperville, Normal, Peoria, Rockford, Springfield, Urbana, Waukegan
Bloomington, Columbus, Ft. Wayne, Gary, Indianapolis, Richmond
Cedar Rapids, Council Bluffs, Des Moines, Iowa City, Oskaloosa
Kansas City, Topeka, Wichita
Henderson, Hopkinsville, Lexington, Louisville, Richmond
Alexandria, Baton Rouge, Lake Charles, Monroe, Shreveport
Augusta, Bangor, Brunswick, Portland
Baltimore, Glen Burnie, Frederick, Laurel, Leesburg, Manassas
Ann Arbor, Detroit, Grand Rapids, Lansing
- MINNESOTAAlexandria, Duluth, Minneapolis, Rochester, St Paul
Columbus, Grenada, Jackson, Meridian
Arnold, Chesterfield, Columbia, Independence, Kansas City, Lee’s Summit, O’Fallon, Springfield, St. Charles, St. Joseph, St. Louis, Sullivan
Billings, Bozeman, Great Falls, Helena
Lexington, Lincoln, Norfolk, Omaha, Scottsbluff
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
Akron, Athens, Cincinnati, Cleveland, Columbus, Dayton, Findlay, Sandusky, Toledo
Lawton, Muskogee, Norman, Oklahoma City, Tulsa
Baker City, Beaverton, Eugene, Hillsboro, La Grande, Ontario, Portland, Salem
Allentown, Philadelphia, Pittsburgh, Williamsport
- SOUTH CAROLINA
Charleston, Columbia, Florence, Greenville, Spartanburg
- SOUTH DAKOTA
Brookings, Rapid City, Sioux Falls, Watertown
Chattanooga, Clarksville, Knoxville, Memphis, Nashville
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
Bountiful, Draper, Logan, Murray, Ogden, Orem, Park City, Provo, Roy, St. George, Salt Lake City, Sandy, West Valley City
Alexandria, Arlington, Charlottesville, Fredericksburg, Harrisonburg, Martinsville, Newport New, Richmond, Roanoke, Waynesboro, Virginia Beach
Bellingham, Everett, Lakewood, Lynnwood, Mt. Vernon, Olympia, Port Angeles, Puyallup, Seattle, Tacoma, Vancouver
Chippewa falls, Delevan, Madison, Milwaukee
Casper, Cheyenne, Cody, Douglas, Evanston, Gillette, Jackson, Laramie, Rock Springs