GET PRE-QUALIFIED IN MINUTES. FINANCING OPTIONS FOR ALL CREDIT SITUATIONS.
Bad Credit
No Credit
Previous Turn Downs
Approval, financing terms, down payment, APR, and vehicle availability
to review by participating dealerships and financing sources. Not all applicants will qualify.
FAST APPROVAL
Quick & easy application
process to help you get
started fast.
ALL CREDIT TYPES
We work with participating
dealerships and financing sources for a
range of credit situations.
QUALITY VEHICLES
Choose from a wide
selection of quality, reliable
vehicles you'll love.
GET BEHIND THE WHEEL
Our goal is simple:
help you find financing and
get you on the road.
SIMPLE PROCESS
HOW IT WORKS
APPLY ONLINE
Fill out our simple application in just a few minutes. It's quick, secure, and easy to complete.
GET MATCHED
We connect you with participating dealerships and financing sources that best match your unique situation.
DRIVE TODAY
Choose your vehicle from our quality selection and drive home today.
THE ADVANTAGE
WHY CHOOSE US
Fast & Easy Process
Get pre-qualified in minutes, not days. Our streamlined process gets you driving faster.
All Credit Welcome
We believe everyone deserves reliable transportation, regardless of credit history.
Multiple Lending Sources
Access to a network of participating dealerships and financing sources to help you explore available financing options.
No Obligation
Apply with confidence. There is absolutely no obligation to move forward.
FINANCING OPTIONS FOR MORE CREDIT SITUATIONS
No matter your credit situation, we have solutions designed for you.
Bad Credit
We work with customers who have experienced past credit challenges.
No Credit
Everyone starts somewhere — we help you build your credit.
Bankruptcy
Bankruptcy doesn't always prevent you from exploring available financing options.
Repossession
Previous repossessions don't define your future.
Self Employed
Non-traditional income? We understand your situation.
First Time Buyer
No credit history needed to get started.
Recent Divorce
Life changes don't have to stop you from driving.
Slow Credit
Late payments and collections? We still work with you.
TESTIMONIALS
REAL CUSTOMERS.
REAL RESULTS.
"I was turned down by three dealerships before I found Last Chance Auto Credit. Within 24 hours, I was driving a vehicle I actually love. Their team made me feel respected, not judged."
Marcus T.
Verified Customer
"After my divorce, my credit was destroyed. Last Chance didn't just get me approved — they helped me rebuild my confidence. I'm now driving a beautiful SUV that I'm proud of."
Sarah M.
Verified Customer
"The whole process was incredibly smooth. I applied online, got matched with a lender the same day, and was behind the wheel by the end of the week. Best experience ever."
James R.
Verified Customer
Questions
FAQ
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Most applicants receive a pre-qualification decision within minutes. Once approved, you can be driving in as little as 24-48 hours depending on vehicle selection and paperwork completion.
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Every application is unique. Our lending partners will review your information and guide you through the financing process based on your individual situation.
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There is no minimum credit score required to apply. We work with lenders who specialize in all credit situations — bad credit, no credit, bankruptcy, repossession, and more.
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Absolutely. Our entire application process can be completed online from the comfort of your home. Simply fill out our secure application form and we'll begin matching you with lenders immediately.
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Many of our customers drive away within 24-48 hours of approval. The exact timeline depends on your vehicle selection, documentation, and lender requirements.
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Yes! We accept trade-ins and will provide you with a fair market evaluation. Your trade-in value can be applied toward your down payment to lower your monthly payments.