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No Money Down Car Dealers in Illinois

People of the wonderful Land of Lincoln, are you in need of a vehicle? Well, Illinois, if you need a car but have been struggling with credit problems, you've come to the right place! Here at Drivers Lane, we help people all across the state find the right path toward auto financing even with bad credit, no credit, or bankruptcy.

You can count on our special finance dealers and their lenders that have the means to work with consumers who've found themselves in a credit bind.

75 qualified dealers in Illinois

If you're looking for auto financing that fits your situation and you live in Illinois, you've come to the right place. We have a relationship with thousands of special finance dealerships all across the USA and we want to help you find what you're looking for locally.

Get started finding a dealer in your area by simply filling out our online auto loan request form or selecting an IL city from the list above. We care about our customers in The Land of Lincoln, that's why we want you to find the right financing, whether you're a first-time car buyer or are looking for a last option buy here pay here dealer - Drivers Lane is your one-stop resource.

Have a Repo, but Need a Car Loan in Illinois?

Repossession can be a hard fact to cope with. Often, when a vehicle gets repossessed it leaves you needing transportation. It also hits your credit pretty hard. The good news is that the dip in your credit score will lessen over time as the effects of the repossession fade. The bad news is that it can be tough to get a car in this situation. Typically, if you have a recent repossession on your credit, you'll need to wait one year before you're able to finance a vehicle again.

Fortunately, there are some lenders that can help out, depending on your situation, and we want to help you find in Illinois. Usually, these dealers will be buy here pay here dealers, who don't use credit as a basis for getting a vehicle. Instead, these dealers look to your income to determine if you're eligible for a vehicle.

Trading in a Car in Illinois

A trade-in vehicle is a big help when used as part of a down payment for someone whose credit has been struggling. As long as there's equity in your vehicle,it can help. Equity is the difference between the amount of money owed on, and the actual value of, a vehicle. There's equity in your car as long as you owe a lender less than the actual cash value of your vehicle.

On the other hand, if you owe more than the vehicle is worth, it has negative equity or is upside down. This situation can make it more difficult to trade in a vehicle. Without equity, trading a car in could end up costing you more money in the long run, but there are options if you're prepared. It's important to factor in your trade-in as part of the deal when you start your search for a vehicle.

At Drivers Lane, we want to help you find a dealership in Illinois that can help you with your trade-in. Begin your search for a local dealer that's right for you by filling out our auto loan request form today!

Refinancing an Auto Loan in Illinois

If you're struggling to keep up with your car payments due to high interest rates or monthly payments, it might be wise to consider refinancing. When you refinance a loan you're starting over with a new loan contract on an existing vehicle. Not everyone will be eligible for this service and not all lenders offer it.

If you're worried about being able to refinance with bad credit, our experts can help answer your refinancing questions. At Drivers Lane, we can help you answer questions such as:

Every credit situation is unique. The specialists at the dealerships we work with can help determine where you stand credit-wise and provide you with possible financing options. What are you waiting for? Get the process started today!

Search for Illinois No Money Down Used Cars

We're affiliated with new and used car dealerships all across Illinois. Because of our relationship with such a wide variety of Illinois automotive dealerships we're able to find the lenders that can work with bad credit in the state. Using our site is free and easy which isn't something that can be said by other online dealer locating services.

Receiving a match from an Illinois-based auto dealership doesn't mean you have to purchase a vehicle from that dealer. But, if you have bad credit, no credit, or bankruptcy, they may be the only dealer in your area that can help. Not all dealers work with the lending resources necessary to help people who have these bruises on their credit. At Drivers Lane we can help you find one that can. Don't delay, fill out our auto loan request form today.

If you prefer, you can start your vehicle search by using our massive used car database. Explore local vehicles for sale on the lots of our affiliated dealers in Illinois to get an idea of what's available right now. You can narrow down your options by searching by make, model, price and distance.

Find financing with any credit score!