Bad Credit Car Loans Service

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Car Loans For People With Bad Credit

Fast and Free New Car Loan Approvals! Get the Loan You Need Today. Refinancing, Auto Loans, Leasing, Sign & Drive and Rent To Own Options Available.

Wondering if you could receive approval for bad credit car loans or an auto refinance with bad credit? Valley Auto Loans is one of the few bad credit auto finance companies that understands your situation. We have a long track record of helping shoppers secure the bad credit auto financing they need for a vehicle, regardless of their current credit score.

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We accept 100% of all applications, without charging any fees, while making it our goal to find the best auto loans for bad credit or refinancing options for each individual need.

Regardless of credit history or your credit profile, Valley Auto Loans’ bad credit car loans and lending connections give you the opportunity to secure the auto financing or refinancing you need. Our simple application process makes it easy for those considered “high risk” (by other car financing companies) to qualify when they have bad credit, and we never charge an application fee for our service. We have great success in finding the best loan terms for those seeking car loans with bad credit.

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We offer many services when it comes to bad credit car loans for applicants with:

  • Past or Current Bankruptcy
  • Poor Credit Scores
  • Divorce and Legal Representation Issues
  • Child Custody and Child Support
  • Self Employed
  • No Credit
  • No Down Payment
  • Low Income
  • Other Financial Issues

This variety of services puts us a step above other auto finance companies offering bad credit car loans.

If you need to replace your vehicle due to an accident, mechanical breakdown or you are thinking of replacing your car with a newer model, be sure to visit our resource page where you will find tips, guides, auto loan tools and reviews. We have also added a Used Car Buyers Guide and a guide for planning a simple auto loan budget.

We offer knowledgeable assistance and direction of the various types of bad credit auto loans and advice when shopping for deals on new cars. From our new car buying guide and other financial information, we are the best place to get a car loan with bad credit and specialize in helping car buyers trying to fix their credit rating.

We can show you how to get money for a divorce or child custody attorney that is fast and easy. Or you may just need to pay for a lawyer retainer fee and don’t have enough in your savings.

We also provide  pre-qualified bad credit auto financing for a guaranteed car loan amount before you hit the car dealership. You can get your credit approval and loan terms before you pick out a car or talk to the sales person. This is a great benefit for those seeking a new car loan with poor credit history. They can apply online in the privacy of their home and avoid the pressure and embarrassment of discussing their personal finance history with the sales person.

Many credit bureaus such as Experian, Equifax, and Transunion, use different indicators to assign your credit rating and many times the credit rating the dealer looks at is different from the one you see from the same bureaus listed on your credit report.

This is why pre-approved credit financing is more convenient than finding out your loan approval did not go through at the car dealership, or they try to charge an unreasonable interest rate or tell you that you need a cosigner to get approved.

Poor Credit Auto Loans

To qualify for a good APR with a bad credit or poor credit car loan requires a little hard work.

The rates you pay for any loan largely depend on your credit score. With poor credit, auto loans are going to come with higher rates and higher monthly payments. This makes it even harder to shop around for cars and to find the vehicle that you want in your price range.

No matter how much we hate being put into credit categories, the fact remains that if you want to purchase things on credit, your credit score will come up. Your score will play a major role in determining how much of your hard earned money will be used for interest payments.

Poor Credit Auto Loans

Typically, A Credit Score table will put you in one of these categories.

  1.   400 – 525     (Bad Credit)
  2.   525 – 550     (Poor Credit)
  3.   550 – 575     (Subprime Credit)
  4.   575 – 600     (Below Average)
  5.   600 – 620     (Less Than Perfect)

You have an easier time buying a car when your credit is good since you do not have to worry as much about the financing part, and the APR they give you does not seem so offensive.

Now you CAN get a Poor Credit Auto Loan to bring your credit score up!

Fortunately, there is a way for those with poor credit scores to work their way toward better auto loans and higher credit ratings.

In a short time, you will be able to say goodbye to subprime rates or auto loans for poor credit and enjoy a lower APR.

Valley Auto Loans provides loans to help people with a poor credit rating rebuild their credit. Your car loan is based more on your income and your ability to pay back the loan, not on your credit score. If you have proof of income (your employment or income information) and a steady residence, you have most of what your poor credit auto loan application will require.

With most money lenders, the information needed to qualify will very. But if you can meet these few requirements, you have a good chance to get the financing you need for that new car loan.

How To Get A Car Loan With Bad Credit

If you have bad credit, financing a car is probably your best option to change your credit rating.

If you have bad credit, and you need a car, we can help you finance your new vehicle in spite of your past credit problems. At Valley Auto Loans, we work with bad credit and bankruptcy auto loan lenders and banks who understand people’s need for a reasonable car loan.

Can you meet these simple criteria?

  • Your gross monthly income is $1,500 or more.
  • You are a resident of the United States  (you can be stationed overseas) and have a social security number.
  • You can insure the vehicle in your name
  • You have full time employment or a fixed income that can be documented.
  • You have an established residence with a street address. (PO boxes are not acceptable for a residence address.)
  • Have a working phone number where you can be contacted.
  • You have a work or business phone number to verify your employment.
  • Your vehicle information (Make, Model, Mileage and loan amount) if you are refinancing or purchasing from an individual.

If so, we can almost certainly help you finance your vehicle. These simple qualifications prove your current ability to make a car payment even if you are looking for low income car loans. That is all you need to prove to a lender that you can and will meet your obligation. Unfortunately, typical auto loan lenders rely more on your recent credit profiles than your current financial and employment situation. This is why poor credit auto financing is better for you than traditional auto lenders if you want the best APR for your credit status.

Our Auto Loans for Bad Credit

Poor Credit Borrowers Proof of Income

To qualify for most poor credit or bad credit car loans you will need to have a gross income of $1,500 a month or more.

Your gross income (your income before taxes are removed) will need to be verified through documents like your income tax records. If you are on a fixed income and receive Social Security checks, disability insurance, retirement funds, alimony payments or child support or any other regular income that can be verified, you will also need to include this amount as part of your gross monthly income.

If you are a college student with poor credit, you can show your part-time employment, but it must be equal to $1,500 or more a month or be prepared to have a cosigner available. Bad credit borrowers with temporary employment or seasonal job holders need to show steady income for more than six months.

Starting Out with a Poor Credit Score

Poor Credit Auto Loans BankIf you already have subprime credit or are a first-time buyer with no credit at all, you may not qualify for financing through a traditional bank.

Many bad credit lenders understand this, and that is why they set up first-time car buyer programs. You may pay a little higher monthly payments if you do not have a high credit score but over time your credit rating will go up, then you can get a better auto loan by refinancing your poor credit car loan.

Another drawback could be the dealership’s financing office. Even though you have the ability to make payments on a loan, some car dealerships will reject your application. Auto lenders are now using an auto enhanced report offered by the credit reporting agencies called a FICO auto industry option credit score to evaluate your loan request. This score can look very different than your regular credit score because it puts significant weight on your past auto loan history from your credit profile.

If you have had a problem in the past with paying your auto loan, you will probably have a lower score than you think. This does not mean that you have to buy your car from a questionable dealership that promises to approve everyone, but it does mean that you will have trouble getting poor credit auto loans from that dealership.

Our fast and safe credit acceptance systems operate on an exclusive nationwide network of bad credit auto lenders and dealers experienced in car loans and auto refinancing for people with poor credit scores. These partners have a reputation for quick service without inflated interest rates and fees for bad credit car loans.

When it comes time to look for that new car, allow Valley Auto Loans to give you informative guides from negotiating with car dealers to landing that perfect auto loan tailored to your bad credit car loan needs in order to get the best deal for you.

Our many services offered at Valley Auto Loans includes helping customers with bad credit get zero down car loans, refinancing, student auto loans and bad credit car loans for the cars of their choice. Individuals with a poor credit history or need to repair their credit fast deserve to use the best financing options available. Valley Auto Loans specializes in providing bad credit auto lenders that do just that.

Customers and Bad Credit Car Loans

Bad Credit Auto Loan Customer SupportValley’s mission is to help customers when buying a car with bad credit, find financing and improve their credit scores while working to get out of debt. We want every applicant to have the best interest rates and the most affordable monthly payments possible.

Our proprietary application process uses a unique algorithm to find the best financing options from thousands of bad credit auto lenders and finance providers. This is what makes it possible to get a car loan with bad credit for the loan amount you need at loan terms you can live with while you improve you credit rating.

Apply For a Poor Credit Auto Loan and Take It To The Car Dealer.

 You can take your approved loan to any dealer or private seller you like!

At Valley Auto Loans, you can still obtain financing for the loan that you need and then go to any dealership to purchase your car. The only limit is to find a car that’s within your approved price range.

At first, this sounds like the typical procedure for obtaining auto loans for poor credit but if you have done some comparative shopping for poor credit auto loans you have discovered that auto lenders operate differently. Many guaranteed poor credit auto loan lenders are only given a “loan package” if you use their approved dealers who can only fill out your loan paperwork to their loan terms.

Valley Auto Loans will match you to a loan that you can use at a car dealer you choose. Many times the best deal is not found at a dealers lot at all. You even have the ability to purchase a car from a private individual if you like. Moreover, they do not have to know your poor credit history or your financial business at all.

Rebuilding your poor credit history is probably going to give you a higher interest rate than you would like. However, if you play your cards right and follow through on the advice in the rest of this article, you will only have to suffer the high-interest rate for a short time.

Valley serves customers with damaged credit scores through strong relationships with dealers and lenders all over the United States. By partnering with reliable lenders, we can provide some of the lowest possible interest rates available to responsible applicants regardless of bad credit history. Valley accepts all applications and does everything possible for candidates to get low monthly payments on auto loans for bad credit at great interest rates.

Leave It To Us for Bad Credit Auto Finance!

Valley Auto Loans is one of the premier brokers for auto loans with bad credit in the nation. We have worked endlessly to make our approval process as fast, secure and convenient as possible. This hard work has resulted in a loan application that is easy to use and provides the quick results applicants need regardless of their credit profile.

Valley Auto Loans understands credit problems and the struggles that thousands face who do not qualify elsewhere. It is our mission to provide visitors the high risk auto financing they need when others cannot. Valley Auto Loans offers low-interest auto loans for bad credit customers who are trying to rebuild their credit points. We will do our best to help you find a competitive interest rate on your next car loan from a reputable money lender. The auto loan process starts as soon as you apply.

Our Customer Reviews

Couldn't Have Asked for More!

★★★★★
5 5 1
Even with my terrible credit these guys were able to get me not only a "budget car" but a car that was actually dependable and one that should last me for years to come. Rather than being embarrassed to be seen in my car It's actually a joy to drive thanks to the help from Valley.

Better than my last provider

★★★★☆
4 5 1
I enjoyed dealing with Valley Auto Loans, previously I had dealt with another well-known finance company, and had a nightmare. Using Valley however was very straight forward and the staff were pleasant to deal with.

Simple & Beneficial

★★★★★
5 5 1
Great company to work with on obtaining a car loan. I would recommend this company to my friends and family. If your in need of a competitive car loan I would choose Valley Auto Loans!

Lending Options for Bad Credit Car Loans

Shopping for a new or used car can be a tremendous amount of fun. Finding that perfect car is also easy, with so many ways to search for a car. You can hunt the local new and used car lots, use websites like ours or look for a private sale in the local classifieds.

Planning For Your Next Low-Interest Auto Loan For Bad Credit Situations

Buying your dream car can be a little more difficult if you need a bad credit car loan. You should put more research into making a major purchase like a new car than just looking at what is available and agreeing to take the finance offer. You would rather have a lower payment than a higher one, of course. You’d also like to get into something for as little money up front as possible.

Getting pulled in by guaranteed auto financing ads is not the best long-term solution for most people. It is easy to get roped into this by car dealers with guaranteed funding, but a little homework can save you a lot!

When starting to think about the loan options that will help you get your financing, you will probably wonder whether you should finance the vehicle, lease it, or rent to own. Most people do not know which option is best if they have a low credit score. The financing option you choose depends on your personal situation and your goals. Leasing and funding are two very different methods and have very different benefits and disadvantages.

The Credit Balance

auto loans for poor creditMany poor credit borrowers do not realize that there are two types of loans you might have on a credit report. One type is called, “revolving credit.” This refers to the credit you get from a credit card. It is called revolving credit because the amount you owe and the amount you have to pay each month can vary.

The other type of credit is referred to as “installment loans.” These are the times when you borrow a large chunk of money, then make regular payments from month to month until you finally pay it off.

Student loans, auto loans, and mortgages are all examples of installment loans. Traditional lenders refuse loans because the applicant is not credit-worthy based on the credit reporting agencies associated with these types of loans.

Check your Credit Report your self for free. Don’t take the word of others, that your credit is poor and you are stuck with high payments.

The credit bureaus look favorably on people who have both types of credit available in their credit profile. It helps them to see that you are well-rounded and able to handle many types of bills.

Credit cards can be relatively easy to get, but it is harder to have installment loans. When you get an auto loan through a bank that specializes in people with poor credit, you broaden your credit report and give the bureaus more information on which to rate you. This could be especially important if you have not had any installment loans on your credit report in the past.

Choose Poor Credit Car Loans That Will Help Your Credit Score, Not Just Get You A Car Loan

So-called “Selected Loan Package Dealers” will be more prone to stuff the deal with nonessential goods and services. These include extended warranties and service contracts to compensate for the high-risk loan they offer the poor credit customers.

If you choose to finance through a car dealer, finalize all terms before you sign a sale contract and take the vehicle off the lot. Many times buyers are later informed that their financing did not go through, and you will need to pay more, or you need to pay more for a down payment. People who fall into this trap usually have to pay a higher interest percentage for auto loans for poor credit.

Add other credit to your score

Of course, if the new car loan is now the only active thing you have on your credit report, you will also want to balance it out with a credit card. Try to find a place where you could get a credit card. This is not always easy if you have bad credit, but you might want to start out by applying through the bank you currently bank with or through a local credit union.

If they are turning you down due to bad credit, as a last resort consider applying for a secured card. In this type of credit card, you make a down payment in the range of $200 to $500, and then the bank extends you credit for that amount. After a certain number of months, you are sometimes able to get that deposit back and still use the card, but in some cases, you will have to cancel the card to get the deposit back. If you are going this route, be sure to look carefully into monthly maintenance fees or other hidden charges.

Don’t Wait – Apply Today!

Bad Credit Auto Loans Application

Lease or Finance?

auto loans for bad creditBefore you choose between leasing and auto loans for bad credit, weigh the pros and cons. You need to know what kind of vehicle you want and whether you plan to buy a new or pre-owned vehicle. Narrow down your choices by making a list of your “needs” and “wants” when it comes to your car model.

If you have decided to buy a pre-owned vehicle, your decision is made for you. Leasing is not available for pre-owned automobiles, so you must either finance the car, pay cash or apply for a “rent to own” loan. Of course, if you are in a position to pay cash you are going to do that to get a lower price on the vehicle, even from bad credit car dealerships. Most people need to finance their pre-owned vehicle with the help of bad credit auto loans. Financing a car under these terms can be a good option, and you will probably find that you can own the vehicle you love for a very reasonable monthly payment.

Differences

When you finance an auto loan with bad credit, you will own the car outright at the end of the loan term. You will receive the title to the car and can do what you choose with it. When you lease a vehicle, you must return it or purchase the automobile at the end of the lease term. Your lease is reviewed to see if you have any penalties owed like going over on your mileage. You do not own the vehicle. The dealer retains ownership.

Payments

Bad Credit Car Loans PhotoMonthly payments tend to be higher for short term financed vehicles because you pay off the entire value of the auto loan over the course of the loan term. Finance lenders and certain kinds of online auto loans services ask for a down payment in addition to taxes, registration, and various fees.

On the other hand, when you lease a car, you are usually asked only for a security deposit, first month’s payment and taxes. Occasionally a lease agreement will require a down payment. This is usually lower than the down payment for financing a vehicle. Lease payments are lower because they cover only the automobile’s depreciation and fees related to the contract. This can look more favorable than the payments you will make for car loans for bad credit drivers.

Trade-Ins

A good trade-in may lower your down payment when financing. You may also qualify for rebates or other incentives for individual vehicles. Be sure to ask about trade-in value and incentives before making a decision about auto financing for bad credit or leasing a car with bad credit.

Your Automobile Or Not?

car loans 2 (credit lease or refinance)When you get a bad credit auto loan to finance your vehicle, you are free to care for it or not as you wish. You may put as many or as few miles on it as your life demands. The condition of the car and the mileage will affect the resale value, but they do not impact your loan or the amount you pay for the car. When you lease a car, you agree to a mileage limit during the time you have the vehicle. You must also return the car in good condition or pay costly fees for any damages. If you use bad credit car loans to purchase your vehicle, you receive any value left in the car concerning the trade-in or sale value.

At The End Of Your Lease

When you lease a car, you can be less concerned with the vehicle’s resale value. However, at the end of the lease, you are left empty-handed. You will not have a car to drive. You will also not have a vehicle to trade in or sell to put money toward your next automobile. However, you may find that leasing a car fits your financial needs better than car loans for bad credit borrowers because of the lower costs. You may intend to continue leasing. In that case, you do not require a trade-in or down payment.

If you tend to drive your car for 15 years, you will probably feel that a lease does not fit your life and the way you purchase and treat your auto.

Bad Credit Car Leasing and Financing

car loans 3 (can you meet criteria)You will need to know your credit score before you shop for a lender or car loan for bad credit. You can receive a free credit report from each of the three major reporting firms each year through the United States Federal Trade Commission’s website. You should not pay for a credit report unless you have received all of your free reports within the past year.

Credit Karma is a legitimate and credible site for checking your credit score.

You should know that most leasing companies and lenders will look at both your credit history and your credit score. This is how they decide not only your likelihood of approval but also the interest rate you will pay.  Bad credit auto lenders rely on different criteria. They are more interested in how long you have had a job and your ability to pay back the loan with your income history.

Building Your Credit

With an auto loan for poor credit and possibly a credit card under your belt, you are ready to start building your credit score. The good news is that the creditors in the United States report both good and bad behavior, so it will not take long for you to start seeing a difference in your score.

In many cases, it will be just a few months before you start seeing slight increases in your score.

poor credit car loansOn-time payments for your auto loan with poor credit is incredibly important for improving your score, so you want to make sure that you pay those bills on time. Don’t wait until the due date approaches to make the payment.

Online payments can sometimes take a few days to process, and the Mail can be slower than you think. Instead, try to send in your loan payment as soon as the bill comes to you or at least a week or two early. This is where a simple budget can come in handy.

A simple monthly budget will assure the money will always be ready for the bill when it comes due. It can be helpful to mark the bill-paying date on the calendar or always to pay the poor credit car loan bill at the same time each month.

Consider signing up for automatic payments if the creditor offers the option. This means that you will never have to worry about forgetting to make your payment.

One way car buyers with poor credit are trying to build a credit history is by using only a small amount of the credit available to you through your credit cards. Resist the urge to use your credit card to make purchases you cannot afford.

Your score will go down if you come close to the limits on your credit cards. Instead, use your credit card responsibly as a tool to repair your poor credit rating. Make a few small necessary purchases like gas or groceries each month, and then pay off the balance in full. With most credit cards allowing you to view the account and make payments online, it is even possible to pay back the money on your credit card just a few days after you have made the purchase.

Not only will paying the bill off in full help your credit score, but it will also help you avoid paying any interest charges on the money. You could use the card as a tool to buy your groceries or gas for your car each week and then pay off the amount every month. It is easier than cash, and if you pay off the balance monthly, you will not have any finance charges while you build credit.

Monitoring Your Score

If you want to get motivated by seeing your hard work with your auto loan for poor credit pay off, you will have to sign up for a service that allows you to monitor your credit score. First, you can view your entire credit history by ordering a copy through AnnualCreditReport.com.

This is the government-sponsored site that doesn’t require you to sign up for credit monitoring services. However, it will only show you your report, not your score. When using this site, you would have to pay to see the actual score.

We offer a free credit check where you can get your credit score as part of our helpful resources. There are also other credit card companies that also offer you the option to view your credit score for free like Credit Help Cards. You can also get a good estimate at CreditKarma.com and by using the budgeting site Mint.com.

While some websites are not usually giving you an actual FICO score, and your “real” score may be a bit higher or lower than the scores they are showing you, it is an excellent opportunity to look at the general trend of your credit score. With consistent good behavior, you should see it going up.

If you are interested in viewing the real score from one of the major credit bureaus, order them individually through the AnnualCreditReport.com site. Many other “free” sites require you to sign up for a “monthly trial” of a credit monitoring service. Doing this can be risky because if you forget to cancel it, you will get charged around $50 per month for a service you probably don’t need.

Refinancing Auto Loans for Poor Credit

Even with poor credit, you have auto loans for poor credit options.

After a year or two of paying your bills on time and being responsible with your credit cards, you should see a significant difference in your credit score. This difference is likely to be enough to get you a better rate on your current poor credit car loans. At this point, it is smart to look into your options for replacing that car or if you like the car but need a better finance rate than your auto loan with poor credit you can refinance your loan.

Refinancing your auto loan is a bit like the initial application for an auto loan, except that you do not have the pressure of trying to find the right car along while attempting to find the right loan. You will have to ask your current lender to tell you the balance, and this will be the amount that you are financing. You will also have to provide the companies with proof of your income and any other types of financial information you had to provide when you first applied.

It is a good idea to start your search with your current lender, Assuming you have been good about paying them back. However, our experience shows that your lender will not be as eager to give you a better deal than they offered you the first time.

This is what makes us different; Valley Auto Loans is an online broker. We have many lenders who evaluate your application. We are confident that we can find you a refinance lender who will restructure your auto loan poor credit history.

This option puts your application up in front of several lenders for review without running your credit report several times. Then you can choose the loan you like without any obligation to the loans that you are offered. The good news is that even the poor credit car owners can qualify for a car refinance loan.

Don’t be fooled by refinancing companies offering lower payments or cash back offers

Don’t be fooled by companies trying to lower your monthly payment by lengthening the term of the loan. If you have already paid off two years of a loan that was originally a four-year loan, you ideally want to refinance the loan for a new two-year period.

Some companies may offer you car loans for poor credit options for two, three and four-year loans, but if you do this, you will be paying more in the long run. Many companies will offer you cash back to refinance. Don’t be fooled by the “cash back” incentive. If you do not have much equity built up, the money they offer is added to the new loan, and you will probably owe more than the car is worth. You will be upside-down on that loan.

After you rebuild some credit and refinance your poor credit loan to get a lower payment, don’t jeopardize your better credit and lower payments by borrowing cash back on the new loan. If you have moved away from poor credit auto loans or bankruptcy, but you are not in the clear yet.

Building and maintaining good credit is something that you should be doing throughout your life. You’ll never have to worry about not qualifying for exceptional rates again, but there’s often ways to improve and get even better rates. “Poor Credit Auto Loans” are a good place to start rebuilding your credit profile today.

What If You Do Not Have a Down Payment?

Many individuals who can lease a car choose to do so because the agreement does not require a down payment. Bad credit auto lenders do not always need a down payment. We want you to know why you will come out better if you come up with a down payment.

Finance companies require a down payment to reduce their losses in the case of default on the loan. Traditional lenders are more concerned with a down payment if your credit report shows repossession, bankruptcy or late or missed payments or if you have no established credit or a low credit score.

Leases are less likely to require a down payment because of how lenders and leasing agencies use the down payment. When you finance a vehicle with a down payment, the money you paid reduces the purchase price of the car. This lowers your monthly payment and moves you closer to owning the car.

With a leasing program, a down payment reduces your monthly payment and applies toward the depreciation of the vehicle. If the down payment does not cover all the depreciation or if you exceed the allowed mileage, you will settle those fees at the end of the lease, not the beginning.

Auto Loans for Bad Credit Options Available When Financing Your Car

If you do not have the money for a down payment on your vehicle, there are some ways you may still be able to purchase your perfect car or truck. First, ask about factory rebates, cash back or other dealer or factory incentives. These incentives can be used to make the down payment on bad credit auto loans. Many incentives are widely advertised and well-publicized. You can build a simple budget to get your down payment in a few weeks.

auto loans with bad creditIf you are trading in your old auto, ask to use your trade-in as your down payment. It is critical to know what your car is worth before you talk to the car dealer.

Car appraisers like Edmunds can help you with your cars trade in value. If your old car is not worth much, you may be required to provide a down payment. Often, the lender will accept your trade-in in place of money down, or you can try to qualify for a no money down auto loan.

Your Consumer Resource Center

Valley Auto Loans has built a reputation for helping people get new and used car financing and is well known as a leader in finding people the right loan for their situation but did you know you can get all kinds of useful “How-To” information that no car owner should be without.

The ease of smartphone access puts all the How-to information is at your fingertips like;

Also, much more available at our resource page.

So if you need to get a new car loan with bad credit, auto financing information or solve a problem we are here to assist you. Whether you choose to lease, finance or refinance, whether you have excellent credit or poor credit, or you need a cosigner, Valley Auto Loans can help. You can fill out an application on-line today at no cost to you. We want you to have a low-interest auto loan to improve your bad credit history. Begin the process by filling out our bad credit auto loans application today!