Live Online Status
Accepting Applications:
Open
Processing Fee:
$299 FREE
(Good through 11/1/2023)

How It Works

Our system will review the criteria you submit in real time then match you with a local dealership that best fits your current financial and credit needs. Upon approval a credit agent will be assigned to you. She/he will contact you and guide you through the simple process. They will tell you where to go, who to meet with, and what to bring with you to secure your auto loan. When you show up for your appointment at the dealership they will have your information and approval already loaded in to their computers.

Our participating dealerships and lenders are located in NJ. Our system is designed to only match you with the closest dealership that can help you obtain auto financing.

If you have Bad Credit or even No Credit our system will match you with a dealership who specializes in your situation. No more embarrassing rejections!

What You Need

Each of our participating New Jersey dealerships has their own requirements. Your assigned credit agent will gather all of the information needed for you. Generally most lenders will require the following documents:

  • Valid Driver's License.
  • Proof of Income (Disability is accepted).
  • Automobile Insurance (We can assist you with this).
  • Phone Bill, Utility Bill, or Checking Account Statement.

About Us

njbadcredit.com is part of a dealer network that has been assisting customers in obtaining auto loans for over 10 years. All of the dealerships enrolled in our program adhere to our strict loan processing guidelines.

We have direct connections with reputable used automobile dealerships, new car franchises, and truck dealers through out New Jersey. Whether you are looking for a car, truck, SUV, mini-van, or van we have a dealer that can help you obtain your next vehicle.

Now Accepting Applications
Complete the simple 60 second online application to be matched with a dealer in your area who can help you or call 732-859-6515 for an appointment.
First Name
Last Name
Street Address
City
State
Zip
Email Address
Date of Birth
Home Phone
- -
Cell Phone
- -
Work Phone
- -
Do you own or rent your home?
Length of time at this address
Monthly Rent/Mortgage Payment
Length of Employment
Name of Employer
Occupation
Monthly Income (before taxes)
Social Security Number
Declared Bankruptcy in past 7 years?
Cosigner Available? (if needed)
Do you have a trade?
Do you owe money on the trade?
Do you have a downpayment? (if needed)

Comments (optional)
By submitting your application you authorize njbadcredit.com or it's affiliated dealerships to perform a secure credit check in order to evaluate the financing options that can be provided to you.
You also acknowledge that you have fully read, understood, and agree to our Privacy Policy.
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Getting Approved for a Bad Credit Auto Loan

Obtaining an auto loan with bad credit or no credit can be a daunting task. Most conventional dealerships lack the resources, knowledge, and affiliated lenders required to secure special financing for you. It isn't uncommon for customers with less than ideal credit to be turned down or hear they need to put down an outrageous amount of money. The constant rejection and run around can be discouraging and often embarrassing.

We live in a day and age where reliable transportation is a necessity, good credit is becoming a rarity, and money is more than scarce. Not everyone has the luxury of being able to put down $6,000 and no one should be forced in to accepting an unreliable clunker that is only going to break down.

Getting a special finance deal approved requires the finance manager knowing how to correctly structure the deal with the right vehicle and submitting it to the right lender. You should never visit a dealership without first obtaining a pre-approval and consulting with a credit specialist.

Our program eliminates the frustration and stress that comes with seeking special financing. Based on the criteria you submit our system will match you with a dealership that can help you obtain financing. Our credit agents will even set you up with an appointment at the dealership and forward all of your information to their computers.

Unlike other auto loan referral and brokering services we work directly with the dealer. We do not pass a service fee of any kind to our customers.

The first step to obtaining your next automobile and rebuild your credit starts by filling out our 60 second application above. Click here to start.

Customer Testimonials

Dan M.
Manahawkin, NJ
Ford Mustang.


"My credit was a little shakey but, it didn't matter as they worked hard to get me a loan and a payment that I could afford! No hassles just great results! I love my Mustang!"

Mr and Mrs H.
Pine Beach, NJ
Cadillac SRX


"Terrific service, great bunch of guys! Would highly recommend! We couldn't be happier!"

Iris
Toms River, NJ
Jaguar S Class


"There are many things that people want to do in their lives. I only want two: a trip to Hawaii and a nice Jaguar. I am glad that after I sign the papers, I can cross off buying a beautiful Jaguar off of my list!"

  
  
English Commercial
 		     
Espanol Commercial
 
  
February 2014

Patty and Rich from Bayville, NJ

    
March 2014

Laurie from New Jersey buys 2010 Toyota Corolla
 August 2013

Karen Guilbeaux from Bayville on 2005 Lexus GS 300

 

    July 2013

Doug G ., Ocean County, NJ

 

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