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Julie K.'s auto loan for bad credit application is being processed at one of the Florida locations.
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Jeff I. from Florida just submitted their first bad credit auto loan application.
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Buy Here Pay Here Lots in Florida

Buy Now Pay Later Car Dealers in FL

Apply online for free bad credit auto loan price quotes from local buy here pay here dealers in Florida.
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Past credit problems shouldn't make it impossible for you to get a reliable car today. Hassle-free auto loans are available to Florida applicants in any financial situation. If you are seeking information about financing for new and used cars, we can help connect you with the best options available.

Special circumstance auto financing is our specialty, which is why we, along with our partners, have closed over one billion dollars in auto loans for people with bad credit, no credit, or past bankruptcy.
Find Buy Here Pay Here Cars near you in FL
Qualifying through us is a simple and pain-free process. If you meet the basic approval requirements, complete the free application form today.
  • Gross monthly income of $1,500 or more if your credit score is under 625.
  • If you are going through Chapter 7 bankruptcy, the 341 meeting of creditors must be completed.
  • If you're going through Chapter 13 bankruptcy, an "Authorization to Incur Debt" is required from the trustee.
  • Unless included in a bankruptcy, you must not have had an automobile repossession within the last year.
  • Financing through Acelinks is for our authorized & licensed dealer partners.
  • Financing is available for US and Canadian residents who are at least 18 years old.






Tips and Advice for Drivers

Automobile Financing and FICO Scores

Automobile financing is necessary for most consumers when they want to purchase a new or used vehicle. There are many different factors to automobile financing. It is not as simple as just walking into a vehicle retailer and signing paperwork.

Certain components of your current and past personal financial history are pertinent in determining whether you're eligible for automobile financing, and at what terms. First and foremost, your FICO score. If your FICO score is low it can put you in the category of high-risk lending. This does not mean that you will not qualify for any vehicle financing; it just means that you are likely to pay a higher interest rate.

There are variables that can help you in vehicle financing if your FICO score is low. Having a down payment is highly recommended because it will lower your monthly payments and absorb some of the financing costs. Having a down payment is not required in many cases, but it sometimes is. Your willingness and capability to put a down payment on the vehicle shows that you are serious and committed to repaying the loan on time.

Some auto retailers offer in-house financing. Auto retailer financing usually is approved faster and the success rate of approvals is larger than using an outside lender.

You may find it difficult to negotiate interest rates or price with a low FICO score. However, a history of late payments, bankruptcy and even repossessions can be overlooked. Consumers are given automobile financing with these circumstances all the time. Special Automotive Finance lenders are in business to finance low FICO score consumers. It is a win-win situation for both parties the vehicle financing companies make money and the consumer gets the keys to a new vehicle.
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