HOME | About Us | Credit Process | Minimum Requirements | ResourcesTo qualify for car loan credit financing from Quick Car Credit:
• You need $1,800 in gross monthly income.
• You need to be a US resident of legal age.
• You must not be in bankruptcy.
• And you must not have had a car repossessed within the last 12 months.
Quick Car Credit does not offer:
• Car title loans.
• Refinancing loans.
• Financing for sales between private individuals. All vehicles must be purchased from within our dealer network.
As you can see in the fact box, our minimum credit standards are pretty average. Be advised that some, though not all, of our dealers are looking for a higher minimum income nowadays, and be further advised that your odds of getting approved with many of our lenders go up if you've been at the same job or address for two years.
Experts say to never go car shopping without knowing your credit score first, and you can get it for free right here. You can match your score to anticipated interest rates at MyFico.com. That site does not list rates for credit scores under 500, but we have some lenders who will work with scores in that range.
We are not one of those EVERYBODY RIDES outfits. Quite frankly, there are some people who will never get a loan from a reputable lender, and we work with reputable lenders.
Recently discharged bankruptcies are okay. Be advised that once you clear bankruptcy, you'll be getting all kinds of unsolicited offers for credit, so be careful. There's an entire industry dedicated to BK discharges.
Final point: We serve all credit levels, but we specialize in bad credit. If you know your credit is good, we'd like your business but, honestly, go straight to a dealer. No bank can compete 0%.
