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Laurie R. from Florida just submitted their first bad credit auto loan application.
Feb 13, 2016 - 1:44 am

Tony U.'s loan application has just been processed from a buy here pay here car lot in Florida.
Feb 13, 2016 - 1:52 am

Anthony F.'s auto loan for bad credit application is being processed at one of the Florida locations.
Feb 13, 2016 - 12:54 am

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. Connecting consumers with financing for new and used cars is what we do every day, and we have helped millions of consumers like you.

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

Understanding Credit Reports and Scores

When it comes time to apply for financing to purchase a vehicle it is important to understand credit. Depending on the status of your credit you may get a great deal, or pay a lot of money in interest rates. The following article will explain the terminology related to credit.

A "credit report" (also referred to as a credit history) is a detailed account of your personal financial background. This report includes your identity, loans (present or past), credit accounts, late payments, any recent inquiries to your credit, and if you have filed bankruptcy. Any financial lender will get a copy of your credit report before considering lending you money to purchase a vehicle.

A consumer's "credit score" is a number that usually ranges between from 400 to 800. A higher number means a better credit score, and the better your chance is to get an automobile loan. Your score will be lower if you have late payments, unfavorable credit use, or no credit reported at all. Your credit score will more than likely determine what interest rate you will be eligible for when obtaining a vehicle loan.

A financial institution, such as a bank or credit union, is called a "creditor". A creditor will lend money to buyers and apply financing charges to the loan amount. Creditors will determine your "creditworthiness", which is what they consider to be your ability and willingness to repay the loan.

It is very important to obtain a copy of your credit report and try to get all of the negative items removed. This will allow you to qualify for a much lower interest rate which is ultimately going to save you money over the length of your financing. It can also mean getting approved for a larger loan amount.