Mark Hergert

Mark Hergert

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So you finally made it out of the house and you’re on your way to college! You have your whole life ahead of you, but first you need to make it through your courses and graduate in one piece.

Mark Hergert, CEO of Auto Credit Financial, strongly believes in the importance of education, and he wants to do what he can to make the college experience as enjoyable and stress-free as possible. One of the ways that Mark can help is through affordable auto loans for first-time buyers.

b2ap3_thumbnail_Auto-Credit-Financial---First-Time-Car-Buyer-Loans.jpgTransportation is essential for your college experience. You need to drive to class, group study, social functions, and more. At some schools, you may be able to rely on the bus, taxis, rides from friends, and even the subway, but these all have their drawbacks. After all, who wants to constantly hassle a friend? And we all know how reliable the buses and taxis can be...

The truth is, even if you are a first-time car buyer with no credit whatsoever, Mark Hergert and Auto Credit Financial can help you get the loan you need.

All you need is a good job that you have been in for at least six months, and you’ll likely be able to get a loan without a cosigner. Now that’s living independent!

Even if it’s a part-time job, you can still find the auto loan you need for a high-quality vehicle.

The Benefits of First-Time Auto Loans

Getting an auto loan and establishing your credit has many benefits. Obviously, it allows you to drive a reliable vehicle with a manageable monthly payment. But it also pays off in the long run, well after the vehicle is paid for. When you make regular monthly payments on your first-time auto loan, you will quickly establish a strong credit score. This will help you qualify for even better auto loans in the future, meaning you’ll have access to newer, more impressive cars. Establishing your credit early will also help you achieve the American dream: home ownership.

Affordable Car Loans for First-Time Buyers

If you are ready to purchase your first vehicle, work with us and get an auto loan that perfectly fits first-time buyer. You can get the transportation you need for your college life, and we would be proud to help.

You can establish your credit while driving a wonderful vehicle, so fill out a Pre-Approval Form and let’s get started today.

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Mark Hergert, CEO of Auto Credit Financial, is dedicated to helping people from all walks of life find affordable auto loans on high-quality vehicles. He specializes in helping people with credit issues, but also has the experience to help people in unique situations. For example, Mark is the nation’s go-to source for auto loans for self-employed individuals.

Auto Loans for the Self-Employed

b2ap3_thumbnail_Auto-Credit-Financial-Self-Employed-Loans.jpgSelf-employment allows you to live life on your own terms. You can work as much or as little as you want, and you never have to worry about vacation days, unreasonable bosses, or annoying co-workers. But it’s not a dream job either. You have to be self-motivated, disciplined, and able to deal with unique challenges. One of those challenges is finding an affordable auto loan.

Because self-employed people don’t make a regular, predictable income, many lenders are cautious. Mark Hergert, however, is here to help.

When you work with Mark’s company, Auto Credit Financial, you’ll have access to many options, including 1099 or Self-Employed Car Loans. These loans give self-employed people the chance to drive quality vehicles with a manageable monthly payment.

There are also options like the “flexible method of payment”. This system is perfect for the self-employed, because it allows borrowers to make payments that fit each month. If a self-employed individual has a good month, he or she can pay extra on the loan balance. Paying more during a good month allows the borrower to pay less if a slow month comes around.

“Payment holidays” are another important choice for self-employed borrowers. If the borrower’s business takes a turn for the worse, he or she can take a month off from payments. This will need to be discussed with the lender beforehand, but it can make a big difference in the monthly budget for any self-employed person.

For almost all other loans, the “flexible method of payments” and the “payment holidays” options would not be allowed by the lender. These are benefits that are only allowed under special circumstances and are reserved for unique cases like people who are self-employed.

Find Your Self-Employed Loan

If you’re self-employed, work with Auto Credit Financial and get the car loan you deserve.

Fill out a Pre-Approval Form or take a look at our current inventory of cars, trucks, and SUVs. We have the right vehicle waiting for you, and we’ll be able to help you get affordable, auto loans, even if you’re self-employed.

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Mark Hergert, the CEO of Auto Credit Financial, has had a life of hard-work, excitement, innovation, and community outreach. His vehicle for helping people is the automotive industry, where he initially worked as a sales associate before moving into leadership roles and eventually changed the industry with the “No Sale No Fee” system.

The Life and Times of Mark Hergert


After working for many years in the car sales world, Mark saw a need in the market and set out to help. He knew what dealerships wanted and what customers needed, so he created the “No Sale No Fee” Alternative Program. This system allows dealerships to work with Auto Credit Financial at no risk to their bottom line, because if a applicant doesn’t buy a vehicle, the dealer doesn't pay.

The “No Sale No Fee” system also helps buyers. Because so many dealerships wanted leads from Mark, shoppers who go to Auto Credit Financials websites have a large inventory of new & used vehicles to choose from, and more choices equals better options for every shopper!

Working From Paradise For All of America
Mark’s services are available to everyone in America, but he is especially proud to call Hawaii home. In 2012, Mark announced that he would be moving his corporate headquarters to the Big Island of Hawaii. He was a former resident for over 15 years, when he started as a salesman and worked his way up to the general manager of Big Island Jeep Eagle Mazda in Kona. The move back to Hawaii really was a dream come true for Mark, as he loves the culture, landscape, and spirit of Aloha.


Contributing to the Fight Against Addiction
Mark is not only passionate about helping people improve their lives through affordable car loans, he’s also dedicated to helping individuals and families across the country fight alcohol and drug addiction. His participation on the Board of Directors at A Forever Recovery has helped him enhance the lives of many people. This facility uses a comprehensive addiction-recovery program, creating a unique approach to each person’s treatment. A Forever Recovery is located in Michigan, which is another example of how Mark helps people all across America, despite calling Hawaii home.

Search for Great Vehicles and Affordable Car Loans



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Mark Hergert, CEO and founder of Auto Credit Financial, is one of the most outreach-driven and community-minded people in the automotive industry.

Between his work connecting car-buyers and quality dealers, helping hard-working people secure affordable financing, and participating in the fight against alcohol and drug addiction, Mark has dedicated his life to the service of others.

Let’s take a closer look at how Mark Hergert of Auto Credit Financial helps your community thrive.

3 Ways That Mark Hergert Helps Your Community

1. Connecting Car-Buyers and Dealers

After working for years in auto sales, Mark Hergert created the “No Sale No Fee” program which is a great tool for connecting car-buyer and dealers. Mark saw that the car-buying experience could be frustrating for many shoppers, and he wanted to help simplify the process by connecting buyers with the right dealerships. Through his system, Mark helps shoppers target dealerships that have the right cars, trucks, and SUVs for their specific needs. The total process is simple and easy, making for less stress and less hassle.


2. Helping Buyers with Bad Credit
Mark knows that practically everyone in the U.S. needs a reliable vehicle, and the same goes for people who have no credit or bad credit. That’s why Mark works so hard to help buyer with bad credit find affordable, reliable vehicles that help them live their lives. Credit challenges can be a frustrating roadblock in the car shopping process, but when you get pre-approved with Auto Credit Financial, you’ll give yourself a great chance at finding the right vehicle for your needs.

3. Improving Credit Scores Across the Country
Mark not only helps buyers with low FICO scores find the right vehicle, he also helps people improve their overall scores through an affordable car loan. Making regular payments on a car loan is one of the best ways to improve your score, and it can pay off in the long-run, especially when you want to buy a house or new property. Thanks to Mark and Auto Credit Financial, thousands of people across the country have found affordable car loans, improved their credit scores, and enhanced their lives.

Your Source for a Great Car Loan

Let us help you find the right vehicle for your specific driving needs and budget.

Fill out a Credit Application and we’ll get started right away!

Auto Credit Financial is proud to connect car buyer with friendly, honest dealers all over the country. Check out our inventory and see what we have waiting for you.

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For some people, the automotive industry can have a bad reputation. A history of unethical sales people, unattainable financing, low product quality, and high fuel-consumption has led some people to see the industry as a necessary evil; good for transportation, but not great for the community or the world.

If you take a closer look at the automotive sector, however, you will find many shining examples of hard-working, ethical individuals who truly care about their community, their customers, and their global industry. You’ll find people who give back to their neighbors and treat people with dignity and respect.

You’ll find people like Mark Hergert, CEO of Auto Credit Financial.

With a passion for the community and an honest concern for low-credit car buyers, Mark is one of the people that makes the automotive sector a top source for philanthropy and outreach.

Helping the Community Through Many Endeavors

Mark Hergert has contributed to the community through many efforts. One of the most useful contributions to through his company, Auto Credit Financial. Mark understands that everyone deserves a reliable vehicle, and he’s made it his life’s work to help people find affordable financing for high-quality cars and trucks. If you have bad credit, you still need to get to work, you still need to take the kids to school, and you still need to live your life. Mark Hergert understands this need and does what he can to help you find affordable auto financing.

Another of Mark’s efforts is his contributions to A Forever Recovery, one of the most comprehensive drug and alcohol addition recovery facilities in the country. Mark is a member of the Board of Directors at the facility, helping determine goals and directions for recovery programs. He makes sure A Forever Recovery stays 100% committed to the goal of drug and alcohol-free families across the U.S.

A Story of Perseverance

Mark Hergert’s story, however, isn’t one of unhindered success and prosperity. Like almost all Americans, Mark started from the ground up. He began his automotive career as a self-employed salesman at the age of 18. Working for dealerships in Oregon, Hawaii, and Michigan, Mark eventually moved out of sales and became an entrepreneur, founding his first company on the basis of the “No Sale No Fee” program, which allowed dealers to work with him at no risk.

Even the financial collapse of 2008 couldn’t keep him down for long, as Mark sold his first company but eventually came back with Auto Credit Financial, which reinvented that “No Sale No Fee” system and allowed Mark to continue his community outreach and philanthropic work.


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For over 30 years, Mark Hergert has been helping car shopper find the affordable financing they need, allowing them to take home high-quality vehicles that fit their specific driving and budget. 

Improving the Car Buying Experience for Over 30 Years

How Mark Hergert Helps Car Buyers
b2ap3_thumbnail_Auto-Credit-Financial-HANDSHAKE_20140819-124837_1.jpgAs the CEO and founder of Auto Credit Financial, Mark Hergert helps car buyers across the country connect with local dealerships who have the right car and the right financing for their needs. 

Auto Credit Financial is especially helpful for car buyers that have bad credit or no credit. Finding a car while going through credit issues can be a major hurdle, but Mark understands that despite a low credit score, people still need to drive to work, pick up groceries, and take care of thousands of other tasks and activities, usually requiring a reliable vehicle. 

By working with dealerships across the country, Auto Credit Financial has access to hundreds of cars, trucks, SUVs, convertibles, and more, giving you plenty of options.

If you have credit issues but need a reliable car to live your life, we want to help. Fill out a Credit Application and we’ll get started right away. 

“No Sale No Fee” Makes the Difference
Mark not only helps car buyers, he is also an important part at many dealerships, helping them find buyers who are motivated and ready for a purchase. 


By utilizing a “No Sale No Fee” system, Mark is able to help dealerships connect with buyers at no risk to their bottom line. If Auto Credit Financial connects a buyer and a dealer for a potential sale, but no sale is made, the dealer won’t pay a dime. This allows dealerships to with with Auto Credit Financial without worry, making Mark’s company an integral part of many dealerships across the nation. 

The Vehicle You Need, Even with Bad Credit

We would love to help you find the right car or truck, even if you have bad credit or no credit. 

Take a look at our current inventory or fill out a Pre-Approval Form and see why Mark Hergert has been a leader in connecting car shoppers and dealerships for over 30 years.

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Mark Hergert, CEO of Auto Credit Financial, is America’s friend in the special finance arena. Mark is constantly working to link car buyers who need a high-quality vehicle with local dealerships that are looking to sell reliable, comfortable vehicles at a fair price. 

Mark understands the auto industry, and has built Auto Credit Financial with you in mind. From the first application to the final purchase, you’ll see why working with Auto Credit FInancial is the right choice. 

Bad Credit Car Loans

b2ap3_thumbnail_Auto-Credit-Financial-AUDI.jpgMark Hergert understands that bad credit happens to good people. With that in mind, Mark created Auto Credit Financial with the specific goal of helping drivers with bad credit or no credit find high-quality auto loans. If you have bad credit, we can help you immediately. Simply fill out a Pre-Approval Form and we’ll get started right away. 

A car loan not only helps you drive a reliable vehicle at a fair price, it also helps you improve your credit. After all, when you make regular, timely payments for an extended period, it shows that you are responsible and financially stable. Taking out a car loan can have a large impact on your credit, and you may be surprised at how quickly your credit score will rise. 

Fill out a Credit Application to get started right now.

Plenty of Vehicle Options

Because Auto Credit Financial deals with the best dealerships in your area, you’ll not only get the financing you need, you’ll also be able to browse a large inventory of excellent cars, trucks, and SUVs. We have everything you could want, including convertibles, hatchbacks, and even hybrids, so whether you need a large diesel pickup or a fuel-sipping small car, you’ll get everything you need, all thanks to your friends at Auto Credit Financial. 

Just because you’re on a budget doesn’t mean you should limit your options. Take a look at our current inventory and see why we are America’s friend in the special finance arena. 

Proud to Serve Bad Credit Car Shoppers

If you have bad credit, you need to work with a team that is ready to help you find a great vehicle. 

No matter what type of vehicle you prefer, no matter what your credit score, you can find the car or truck you need by working with Mark Hergert, America’s friend in the special finance arena. 

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If you have experienced a car repossession, it can be a very troubling experience, and you may think that getting another car loan is now impossible. Auto Credit Financial is here to tell you otherwise.

Car Loans After a Repossession 

b2ap3_thumbnail_Auto-Credit-Financial-Repo.jpgThere are many reasons why good, hardworking people go through a car or truck repossession. From medical bills that take up the monthly budget, to layoffs or pay cuts, anyone can experience financial trouble. But after the financial crisis of the past few years, car repossessions are no longer a red light on auto credit.

Most of the time, they are a mere bump in the road, and putting them behind you is easier than ever. 

There are many things you can do to secure an auto loan after a repossession, so take a look at these tips and you’ll start down the road to credit recovery. 

Save for a Down Payment
While this can be difficult for almost everyone living on a budget, saving for a down payment is a great way to help secure an auto loan. It shows you are financially responsible and lowers the amount you will have to borrow for a vehicle. The amount doesn’t have to be too much either. Even a couple hundred dollars can make a big difference. 

Get Pre-Approved
Getting pre-approved makes sense for any car buyer, but especially for low credit car buyer and people who may have gone through a repossession. After pre-approval, you’ll be able to shop with confidence knowing that you already have the financial backing you need, allowing you to focus on the vehicle and make a clear, informed decision.

Work with Auto Credit Financial
Working with Auto Credit Financial is one of the best ways to bounce back from a repossession. We take pride in helping low credit or no credit car buyers, so make sure you are working with a team that has your best outcome in mind. 

Put a Car Repossession in Your Rear View Mirror

Auto Credit Financial is your best option for finding a great loan, even after a car repossession. 

Fill out a Pre-Approval Application right now and we’ll connect you with friendly dealers in your area who have a car or truck that is perfect for your specific needs. 

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Mark Hergert, CEO of Auto Credit Financial, has become a leader in the automotive financing industry, helping connect low-credit buyers with dealerships who can help them find the vehicles they need. 

While Mark is one of the top sources for generating leads and enhancing the auto industry, he is also a leader in the community. Mark participates in many outreach programs, but one of his most cherished tasks is sitting on the Board of Directors at diction treatment facility based in Michigan.




About A Forever Recovery

A Forever Recovery takes a comprehensive approach to addiction recovery, working with each individual to find the best path to a healthy, substance-free life. There are many tracks to recovery, but finding the right path for each person is very important. After all, no two people are exactly alike, and no two treatments will work perfectly for both people. Treatment options at A Forever Recovery include faith-based, cognitive, holistic, indigenous, and self-help options. Mark Hergert, along with everyone at A Forever Recovery, believes that identifying the appropriate treatment for each person is an important first step towards complete recovery. 










With a gorgeous and spacious facility, A Forever Recovery is able to put people in a positive atmosphere that lets them focus on recovery and self-enhancement. Located on a 60,000 square foot facility in Battle Creek, Michigan, the facility features therapy rooms, lounges, walkways, and other areas that create an inviting, tranquil setting. Throughout the facility, the areas feature warm colors and earth tones, with a design that was intentionally created to avoid the feeling of a hospital or clinic. 

As a member of the Board of Directors, Mark is responsible for defining the goals of the program, creating new ideas, and making sure that the program stays committed and focused to helping individuals recover from drug and alcohol addiction. Mark and the rest of the board often work to define new outlets for recovery, and develop ways that the facility, as well as the programs, can be improved. 

Proud to Work Towards a Brighter Future

Addiction, whether it’s drugs, alcohol, or any other form of abuse, can be a major challenge for individuals, as well as family and friends of those affected. Mark Hergert is proud to do what he can to help people move forward with their lives and secure a brighter future. 

Although addiction is one of the most difficult things to overcome, Mark truly believes that through outreach, education, and understanding, every family in America can be free of addiction and its harmful consequences.

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Auto Credit Financial is one of the nation’s top sources for high-quality auto credit leads. By connecting car buyers and dealerships, founder Mark Hergert has helped people find the financing they need for a great car, while helping dealerships generate business and sell more cars, trucks, and SUVs.

Mark’s story is one of ups and downs, but the overall theme is perseverance. Even through tough times, Mark has always focused on moving forward and finding new and innovative ways to help car buyers and dealerships, making the total process quicker and easier for everyone involved.


Mark Hergert

Mark got his start in the auto industry at the young age of 18, when he opened his first used car store, “Mark’s Auto Mart” in Canyonville, Oregon, his birthplace and home town. There was an office, a gravel lot, four cars, and an old dump truck. It wasn't much, but that was the spark that led to Mark’s lifelong passion for the auto industry.

By the age of 19, Mark got his first car sales position at Vic Alfonso Ford in Tigard, Oregon where he was personally trained by Vic himself. All Mark needed was a commitment from the customer, and Vic would handle the rest. Mark didn't know what went on after he took the commitment to the desk manager, but he knew he was selling a lot of cars.

Mark bounced around and eventually wound up in beautiful Hawaii, working in sales for Big Island Jeep Eagle Mazda in Kona where he was trained by the owner, Danny Fast, who was hardcore as they come but taught Mark how to be a closer and eventually a top gun sales manager.

He gained more experience after many years at the dealership until the end of the Gulf War in 1991 led to a slow down for the auto industry. He then left the Big Island for Traverse City, Michigan, where he worked as a special finance director for Williams Chevrolet. With hard work and a commitment to helping car buyers, Mark became the #1 sub-prime manager in the Midwest for 8 years.

When Mark’s first daughter, Hannah, was born, Mark decided to become an entrepreneur. Founding Auto Net Financial, one of the most successful internet-based lead generation companies in the U.S., Mark quickly became a top source for credit leads, becoming the biggest generator of leads in the nation for 12 years.

Mark knew what made dealer principles tick, so he created the “No Sale No Fee” program, which allowed dealers to only pay for leads that resulted in a purchase. Mark said it was like taking candy from a baby, because dealers never had to pay for a lead unless they made a purchase.

During 2008, however, the sub prime industry collapsed, causing a ripple effect throughout the entire global economy. Mark choose to sell his company to Auto Credit Express, but he would not remain still for long.

Mark rebounded quickly, forming Auto Credit Financial. He reinvented the “No Sale No Fee” program, which has helped him once again become a top source for high-quality leads throughout North America.

Mark enjoys surfing and the outdoors, but his true passion is for helping others. Mark was on the Board of Directors at A Forever Recovery in Battle Creek Michigan where he acted as the Client Financial Services Director, helping clients that need help with substance abuse and addiction financing. Mark's true passion is helping others.

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Your credit score can make a big difference in your life, but have you ever wondered exactly how that specific number is determined.

Knowing how a credit rating is measured is one of the first steps to improving your score. Let’s take a look at how FICO uses specific categories to determine your number.

How Is Your Credit Score Measured?

auto credit financial FICO scorePayment History: 35%
The biggest single factor determining your credit score is your payment history. Lenders like to know that you’ve been reliable in the past, so the more you make consistent, timely payments, the more you’ll see a rise in your score.

Amount Owed: 30%
Owing a large amount on your credit accounts won’t automatically create a high-risk situation, but you don’t want to get too close to topping out your available amount. If the majority of someone’s available credit is used, it could mean they are over-extended, possibly leading to late or missed payments.

Length of Credit History: 15%
For the most part, the longer a person’s credit history, the less likely they are to default on loans. FICO looks at factors like how long your accounts have been established and how long it’s been since you last used them.

Types of Credit Used: 10%
This category looks at your mix of credit types, including credit cards, store accounts, mortgages, and other loans. It’s not necessary to have one of everything, and you should never open accounts you don’t intend to use, but having a good credit mix shows you are responsible and organized.

New Credit: 10%
Research has shown that opening many lines of credit over a short period of time can create a significant risk for default. It’s okay, and even recommended, to check your credit on a regular basis, but people who open many accounts at once could see a drop in their score.

Learn how credit inquiries affect your score

Now you have a basic understanding of how your credit score is measured, and can use this knowledge to get a better rating and a brighter future.

Bad Credit Auto Loans Available Now

Even if you have bad credit or no credit, Auto Credit Financial can help you get the car or truck loan you deserve.

We work with the best lenders and excellent dealers, so fill out a Pre-Approval Form and let’s get started now.

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Buying a used car takes a different approach than buying new, so you need to know what to look for and how to go about finding the right car at a fair price. 
 Follow these basic tips, and you’ll be on the right path to a vehicle that will make you happy for years.

How to Buy a Used Vehicle

1. Get Pre-Approved Before Going to the Dealership
auto credit financial used car buying tipsGetting pre-approved for your loan gives you many advantages. You’ll know exactly how much you can spend, and will be able to focus on finding the right used car for your specific needs.

Work with Auto Credit Financial and we’ll help you get pre-approved before you head to the car lot. You’ll get a competitive rate with our excellent lenders, and you won’t have to spend time worrying about financing when you should be searching for a car that will make you happy.


2. Know What You Want
It sounds obvious, but you should know what type of used car you want before you go to the dealership. And we don’t just mean whether you want an SUV or a sedan - get to the details. Do you prefer cloth, leather, four-wheel drive, front-wheel drive, power windows, or a roof rack? Do you need lots of storage space? Do you want rear-seat entertainment? The list goes on and on, so having your choices narrowed down will make the entire process easier.

You may also want to look at the dealer’s online inventory and choose three or four vehicles that fit your criteria.

3. Take a Thorough Test Drive
Taking a test drive is always important, so don’t skip it, especially when buying a used car. Used cars are just that - used, so you want to know the quality of the brakes, suspension, engine, and more. Of course, you also need to know about interior comfort, visibility, space, and convenience, so NEVER skip the test drive on a used car, and always take your time and be very thorough.

Used Cars and Trucks in Your Area

Auto Credit Financial not only helps you get the best auto loan for your budget, we can also connect you with the best dealers in your area.

Browse our Large Inventory of high-quality cars, trucks, and SUVs, and you’ll be able to drive a vehicle that makes you happy for years.

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Last month, we gave you three tips on how you can get a car or truck loan when you have bad credit.

Now we’d like to share a few more tips that can point you towards an affordable auto loan with excellent terms and a low interest rate, even when you have credit issues.

Ways to Get a Bad Credit Car Loan

auto credit financial cars keys handsBring Proof of Income and Other Documents
When you start working with lenders, it helps to have documents like proof of income and bank statements ready. These documents display your monthly earnings and help you show that you are capable of handling a car or truck loan.

There are many documents that you should have ready, including tax forms, account deposit slips, and even a pay stubs. While these won’t guarantee a loan, they will go a long way towards the final goal of affordable financing on a high-quality vehicle.

Make Steps to Improve Your Credit
This may be more of a long-term process, but making the right steps to improve your credit can have a significant impact, and it may improve your score faster than you think. You can improve your credit in many ways, such as keeping a low balance on your credit cards and paying your monthly bills on-time with tools like monthly reminders and automatic payments.

Also, doing a thorough check on your credit score couldn’t hurt - there may be something in your credit history that should be removed, and this could provide a quick bump to your rating.

Work with Auto Credit Financial
Auto Credit Financial is the quick and easy online source for high-quality car and truck loans. Because of our excellent lenders and multiple dealers, we’ll help you get the loan you need no matter what your credit. Our lenders are ready to help you get affordable financing, and our network of dealers has the right car or truck in your area.

Try it for yourself - fill out a Pre-Approval Form and we’ll get starting finding a lender who wants to work with you.

Get Your Car or Truck Loan Now

You can have a great car or truck loan, and we can help. We’ll get you pre-approved and help you find the best car, truck, or SUV for your specific needs.

No matter what your credit score, Auto Financial Credit is here to help.

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Buying a car can seem complex and overwhelming, but when you work with Auto Credit Financial, we can make the entire process simple, clear, and even a little fun.

So why is Auto Credit Financial the best online source for car loan pre-approval? Because we work with the best lenders and the best dealers, and bring it all together to create a wonderful buying experience for you.

Your Online Source for the Best Lenders and Dealers

Auto Credit Financial - Car SelectionExcellent Lenders
Getting pre-approved for your auto loan helps make the complete car-buying experience simple and swift, and no one can help better than Auto Credit Financial. When you work with us, you’ll have the best chance at securing an affordable loan with a low interest rate.

You’ll have access to competitive rates and excellent customer discounts, all with our clear and simple pre-approval process. Our lenders want to work with you, even if you have bad credit or no credit. We understand that credit problems happen to hard-working, responsible people, and we would love to help you drive the vehicle you deserve and improve your credit score at the same time.

Friendly, Helpful Dealers
When you start car shopping, you need to have your options. That’s why we work with multiple dealers in your area to help you find the right vehicle at a price that fits your budget. Whether you are looking for a fuel-saving small car or a heavy-duty pickup truck, our numerous dealers are sure to have something for you.

You’ll be able to choose the right options for your driving needs, so don’t limit your choices. Work with us and browse hundreds of cars, trucks, and SUVs, all with friendly, helpful service from the top dealers in your area.

Get The Best Auto Loan Today

Auto Credit Financial is ready to work with you now. Fill out a Pre-Approval Form and we’ll get started right away. You deserve a great vehicle, and we can help with our supportive lenders and fantastic dealers.

What type of vehicle are you looking for? Browse our Complete Inventory of high-quality cars, trucks, and SUVs to find the best vehicle at a great price.

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One of the most common assumptions about credit applications is the thought that credit inquiries will lower your rating. While this assumption has some truth, the overall impact is often over-stated. 

You may not have known that recording credit inquiries not only helps the lender, it also helps you. 

The truth is, only multiple credit inquiries over a short period of time will seriously affect your score. In most cases, a single credit application will have little to no effect. 

Why Credit Inquiries Affect Your Credit Score

What is a “Credit Inquiry”?

Auto Credit Financial Approved StampFirst of all, let’s establish what a “credit inquiry” actually is. When you give a lender permission to pull your credit score, a record is created. For instance, if you submit a credit application, the lender will look at your credit information. This action will then be recorded. So essentially, a credit inquiry is a simple record of someone looking at your credit. 

Why can credit inquiries effect your score? 

Opening numerous lines of credit and taking out multiple loans over a short period of time can create a significant risk for default. For this reason, when rapid credit inquiries are made, it creates a red flag for lenders. 

Lenders are really on the lookout for rapid increases in credit inquiries, not a few applications throughout the year. So the most important thing to remember is that a couple of inquiries will rarely have an effect on your credit score. 

Recording credit inquiries also benefits you

It should also be noted that recording credit inquiries is not just for the lenders. It also helps individuals monitor their credit and see if any applications were made without their knowledge or permission. If you see that a wrongful credit inquiry was made you can take the necessary steps to fix the problem. Without the credit inquiry record, a potential issue may have gone unnoticed. 

Bottom Line:

The bottom line is that if you only fill out a few credit applications, your score will be just fine. While every situation is different, the chances of a single credit application significantly affecting your credit score is slim to none. 

Helping You Find the Right Vehicle

You can get pre-approved by working with us. Fill out a Credit Application and we’ll get started immediately. 

Whether you have good credit, bad credit, or no credit, when you work with us, you’ll get the Reliable Vehicle you deserve. 

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If you have bad credit, you might think that getting a reliable car or truck at an affordable  price is impossible.

The truth is, you don’t have to drive an embarrassing clunker all over town when you can work with us to get the auto loan you need, even if you have bad credit

An affordable auto loan is possible no matter what your credit score, but there a few steps you can take to make the process even easier: 

3 Tips for Securing a Bad Credit Auto Loan 

Auto Credit Financial Cars1) Save for a Down Payment. Everyone is on a tight budget, but saving for a down payment can make a world of difference when you start car shopping. It doesn’t have to be much, just a few hundred dollars can help. Even if you can only bring $100 to start with, it can make lenders more willing to work with you. Saving for a down payment not only shows lenders that you are financially responsible, it can also help lower your monthly payments.

2) Find a Cosigner: When you have bad credit, bringing a cosigner is one of the most effective ways to secure the auto loan you need. Do you have a close friend or family member that knows you are responsible and would be willing to lend a hand? If so, having them cosign on your loan will help you drive a great vehicle and could even reduce your interest rate. 

3) Be Flexible with Your Options: Everyone wants to drive the sparkling, brand-new sports car, but when you have bad credit, you may need to settle for a reliable, comfortable vehicle that helps you raise your score. Stay current with your payments and it’s only a matter of time before you can trade up for that dream car you’ve always wanted. We have access to a large inventory of reliable vehicles, giving you plenty of excellent options to choose from. 

Bad Credit Auto Loans: We Make it Happen

If you have been turned down at other locations, you are not stuck. Fill out a Pre-Approval Form and we’ll help you find the affordable auto loan you need, even if you have bad credit or no credit.  

We are proud to be your source for high-quality, affordable auto loans, and we’ll help you find the right vehicle to fit your driving needs, along with an auto loan that fits your specific budget. 

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It’s a fact: bad credit happens to good people. Layoffs, higher utility bills, the increased cost of living, any of these reasons and more can lead to missed payments and damage to your credit score. 

But did you know that an affordable car loan is one of the most effective ways to improve your credit? 

How a Car Loan Can Improve Your Credit

Auto Credit Financial Car KeysWhy is a car loan so effective at improving your score? Because it shows lenders that you are fully capable of handling a relatively large loan. 

Car loans are usually the 2nd largest amount people will borrow throughout their lives, behind home mortgages. While putting $150 on a credit card and paying it off that month looks nice, borrowing $15,000 and making consistent payments over a longer period really shows your reliability and responsibility. 

You can not only demonstrate your financial responsibility with an auto loan, you’ll also be able to drive a vehicle that gives you high-quality reliability and comfort. 

Think Like a Lender:

Put yourself in the lender’s shoes for a moment. Say you are a mortgage lender and two separate people come to your office asking for a home loan. 

The first has no history of car loans, with only a small history of credit card payments every so often. Because they have not demonstrated the ability to pay back larger amounts over a long period of time, you’re probably hesitant to loan this person a large sum.

The second person, however, has improved their credit score with an affordable car loan. By making consistent payments for many months, this person has demonstrated that they are ready for a large mortgage loan. This person more likely to receive the home loan, and also more likely to receive a lower interest rate. 

Improve Your Credit Score!

If you are experiencing credit issues, you might think you’re stuck, but we understand that your busy life goes on, even when you have a few dents in your credit score. 

You still need to get to work, you still need to take the kids to school, and you still need to run errands all over town. 

Fill out a Credit Application and we’ll get started right now. You can find the right car for your needs and your budget when you browse out Complete Inventory

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