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Cars Loans Made Easy

Fill out this simple online form to start your application for automotive financing and learn your buying power before you shop our inventory online or visit one of our locations. Don’t worry: our approval decisions aren’t based on your credit score and you can get an approval decision with no obligation to purchase a vehicle. You can find more information about our financing process down below.

How Long Does It Take To Get Approved For A Car Loan?

Our approval process is quick and easy! You can start your online application now and get pre-approved before you even visit our lot. Get started on your application today and give us a call if you have any questions.

Can I Get A Car Loan With Bad Credit?

Yes! While traditional banks and car dealerships will not typically approve an auto loan for someone with a poor credit history or low credit score, a buy here pay here dealership like AutoSmart can work with you to approve you for a car loan based on your current situation, even if you have “bad credit” or no credit history at all. 

What Does “Buy Here Pay Here” Mean?

Buy Here Pay Here dealerships offer a different car-buying process by selling and financing the cars straight off their lots. AutoSmart can offer whichever financing method works best for our customers: traditional car loans based on your credit score or flexible, in-house financing based on your current financial situation. This means that everyone gets the best deal and even customers with financial obstacles like a “bad” credit score can get approved.