New Jersey bad credit auto loans

When it comes to bad credit car loans in New Jersey, you've come to the right place. If you're over 18, if you have a gross monthly income over $1,600, and if you have no current bankruptcies (and no reposessions in the last 12 months) the odds are good that we can get you into a new ride.

Our bad credit auto loans are available only through licensed and franchised auto dealers. We work there because that's where lenders feel most comfortable.

Because our bad credit car loans are dealer-exclusive, we cannot offer loans for private sales, we cannot offer refinancing and we do not offer auto title loans. But here's what we do really well. Get people into spiffy new rides.

Two pieces of advice: First, financial planning experts say you should spend 15 percent or less of your monthly income on a car payment, and secondly, bad credit auto lenders want to see your outstanding debt at less than 50 percent of your credit limit.

Be sure to apply even if you've been turned down for credit in the past. Lots of Americans have credit blemishes, and our customers are proof that credit hurdles can be cleared.