Auto Net Credit Application

 
Auto Net Credit centers are located thoughout the United States inside of select New Car and Used Car auto marts. We help people with fair credit, no credit, or poor credit prequalify for an auto loan. Our service is free for consumers and the online application takes only moments to complete.

Once you are prequalified for an auto loan you can visit a local auto mart and shop with confidence. Since 2001 our service has helped hundreds of thousands of people with special credit needs buy a new or used car.
 
 
 
Instant Auto Financing Pre-Qualification Form
 
 
Apply for fast auto financing online,
even with past credit problems.
 
 
 

Questions about Co-Signers & Co-Buyers

 
When someone co-signs for a car loan they are obilated to pay if the primary buyer defaults on the loan. Typically parents, mom and dad, cosign for thier childs first car loan. A cosigner, however, does not have to be related. They can be a friend or associate, in fact, co-signers can live out of state. A cosigner can help you either get an approval or get a better approval. If the cosigners credit score is high enough the finance company may offer a better rate or extended term. When the lender looks at your ability to repay the loan they will not consider the income of the co-signer. It other words they will not add your income with the co-signers.

With a co-buyer the incomes are added together. Typically, co-buyers live at the same address and must be a relative or the spouse of the primary buyer.
 
 

Credit Approval

 
Prequalify for an auto loan before you visit a local car lot. Our car financing application process is easy. It takes only a few minutes to complete. Once you are prequalified, you can shop at the store like a cash buyer.
 
Prequalify Process
 
Once you complete the online auto credit approval process, your application is matched with an auto mart that has the cars and lending resources available so you can buy a car quickly. If you have poor credit or no credit score, it is very important that we match you with the right auto mart. For this reason, we do not display our network location on the website.
 
Approval in 3 Minutes
 
Apply for fast auto financing online, even with bad credit, no credit, bankruptcy or repossession.
 
 
 
 
Get Pre-Approved
in 3 Minutes
 
Apply for fast auto financing online, even with bad credit.
 
 
 
Documents Required
 
For Fair Credit
Aside from a paystub, there is no documentation required for people with fair credit. Most fair credit approvals require zero money down.

For No Credit Score
In addition to proof of income, people with no credit score need proof of residence, a handful of personal references, and a working phone. Most no credit score approvals require $1,000 down payment, either cash or trade-in.

For Poor Credit / Bad Credit
The documentation required for people with poor credit is the same as no credit score buyers. Most poor credit approvals require $550 down payment, either cash or trade-in.