No Money Down Used Cars and Auto Loans

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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.

Car Loan Estimator

Please Select Your Credit Profile Credit Profile Min Score
Your Monthly Income
Monthly Recurring Debt
(Do not include utility bills or car payment, if trading-in)
Find Your Car Loan
Estimated Approval Amount:

Whether you have good credit, bad credit, no credit or even a past bankruptcy, we can help get you approved.


Who Can Qualify for Zero Down?

  • At least one year at the same employer for those with no credit rating.
  • At least two years of employment history for those with some kind of credit history.
  • Minimum monthly gross income of $1500.00.
  • Money down may be required, but is not necessary in every case.
  • No repossession within the last 12 months unless included in a bankruptcy.
  • No motorcycle or private party purchases.
  • Must reside in the United States or Canada.

I meet these guidelines.
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How the DriversLane Loan Process Works:

submit application

1. Fill Out A
Loan Request Form


2. A specialist will contact you with finance options


3. Pick your car and drive!
Start Now! >

Who are we?

Bad Credit Car Loans Made Simple

We find 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 find no credit car loans. We're able to work with most types of problem credit because we've teamed up with trusted 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 help find you the right auto loan based on your credit score and history.

DriversLane is Here for You!

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 local 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.

A Wealth of Information

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.