No Money Down Cars & Loans

Drivers Lane™ is a premier national bad credit car loans service. Over the last 13 years, we've helped arrange over 3 billion dollars in automobile financing for people with bad credit and little or no money to put down.
Auto Financing for People with...
  • Bad Credit
  • Bankruptcy
  • No Credit
  • No Money Down

Bad Credit Car Loans Made Simple

We provide sign and drive car loans for bad credit issues that may have prevented loan approval in the past. These issues include low credit scores, repossession, bankruptcy and no available cash for a down payment. For people who have no credit history, we also provide no credit car loans. We're able to work with most types of problem credit because we've teamed up with the most trustworthy auto dealers who are trained in special finance. And many of our dealers will happily accept the value of your trade-in as an alternative to a cash down payment. Whatever your situation looks like, we will make sure that you get the right auto loan based on your credit score and history.
Here's How the Drivers Lane Loan Process Works
Select your country and enter your zip code to begin the application.
Fill out the easy loan application form with your information.
A specialist will contact you and go over your financing options.
Once loan options are determined, pick your car and close the loan.
Zip Code:
Drivers Lane is not a direct car loan lender or a buy here pay here car lot, and we cannot assist people with obtaining car loans for purchases from private parties or non-affiliated car lots. All auto loan applications are processed by our extensive network of leading area special finance dealerships and the trusted financing companies that are associated with these dealers.

Have a look at our frequently asked questions to learn more about our free financial service. In addition to helping people with no credit and no money down get car loans, Drivers Lane also offers a wide variety of useful tools and resources to help you every step of the way when you're looking to buy a new or used car.
Feel free to search through our Loan Terminology section, and to peruse our list of finance articles. If you are wondering exactly how much you will be able to borrow, use our no cost car loan calculators to estimate how much money you can get, and what your monthly, bimonthly or weekly payments might be. We are truly your one-stop-shop for everything related to auto financing, but our advice and assistance doesn't end there. After you're approved for your loan, we will even help you find your perfect car. Just search for low priced used cars in or near your hometown.

If you're flexible with what you are willing to drive, our dealers can accommodate nearly any down payment, especially if you have a vehicle with value in it to trade in.
Compare Our Bad Credit 0 Down Dealers with Other Services
Drivers Lane Dealerships
  • Easy application process: Get approved in minutes when you complete our free online form during normal office hours. You can also apply at home, or with your mobil phone.
  • Bad credit financing: Our car lots work with lenders who specialize in approving loans for people with problem credit, bankruptcy, repossession, or foreclosure.
  • First in class customer service: It's our goal that you drive away happy. Our friendly employees are eager to help you.
Other's Auto Financing
  • Applying may harm your credit score: You may have to drive from lot to lot, applying for financing at each dealership, accumulating multiple credit report inquiries.
  • Limited funding capabilities: Most local used car lots work with conventional lenders, who often do not want to deal with people who have credit problems.
  • High-pressure sales atmosphere: Old-fashioned dealerships worry more about their bottom line than your car buying experience.
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No Money Down Cars
Financing Requirements
Who Qualifies with Zero Down?
  • People with no credit score and one year on the same job.
  • People with a thin credit history and two years of continuous employment.
  • People with a pre-tax monthly income over $1,560.
  • People that are flexible with the cars they are willing to drive.
  • People with no repossessions in the last year, unless included in a bankruptcy.
  • People willing to drive a few extra miles, to get approved with no down payment.
I meet these guidelines,
Skip to the application.
Customer Testimonial
"My salesman helped me get a car loan even with my bad credit.
I'm very happy
with my used Jeep." Theresa J.
New From The Blog
Auto Loan Terms
Lease Agreement
For people who don't own their home, a lease agreement is used to verify monthly housing cost obligations.
Mar 31, 2015, 4:01 am
Auto Loan Terminology
Frequently Asked Questions
I've never had credit before. Will I qualify?
Yes! Drivers Lane has several no credit car loan programs.
Mar 31, 2015, 3:15 am