Looking For 0 Down Car Lots
for People with Bad Credit?

Finding a car dealership that offers financing for buyers with bad credit can be difficult, especially if you have little to no money to use as a down payment.

Fear not. We can find a financing solution that works for you. We have a nationwide network of bad credit auto dealers, and one of them is probably in your neighborhood.
Get Approved
You can get started in finding the financing you need by either filling out our online application or by selecting the state where you live on the map below. You are under no obligation when you complete the free application or use our dealer search features.
After you have submitted your application, our financing experts will determine what your exact options are based on your income, employment, debt factors and available vehicle inventory. We also have buy here pay here financing options for those who wish to avoid a credit check.
Rest assured that there are Drivers Lane car lots in your area that offer bad credit loan options. Each affiliated automobile dealership has exceptional knowledge about special finance, and they are dedicated to helping you in the best way possible.
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Bad Credit Car Dealerships Financing
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.
New From The Blog
Auto Loan Terms
Payment to Income Ratio
Your monthly car payment compared to your gross monthly income. Most lenders prefer this ratio to be less than 15%.
Mar 26, 2015, 10:30 pm
Auto Loan Terminology
Frequently Asked Questions
How much will I qualify for?
The loan amount that you will qualify for is based on a number of factors. Our car dealers use variables such as income, your credit, employment history, and more to determine how much you qualify for.
Mar 26, 2015, 8:52 pm