Poor Credit Auto Loans

Loan Requirements and Restrictions

Carloans.com does not offer title loans. We do not offer loans for refinancing or for private sales between individuals. We work like most banks and credit unions work -- through established auto dealerships.

To qualify for a poor credit auto loan, the minimum requirements are:

  • US residents at least 18 years of age
  • Gross monthly income of at least $1,600
  • No repossessions in last 12 months
  • No current bankruptcies

Our online car loan application takes just over a minute to complete, and a local loan officer will be back in touch with you quickly. Depending on the time of day you apply, you can hear within minutes; almost always within a matter of hours.

There are no hidden fees, no obligation, nothing but a chance to hear from a local loan officer about obtaining a car loan even if you have poor credit.

For more information, see our Frequently Asked Questions or our online car loans process page.