Bad Credit CAR Loans Service

100% Application Acceptance

Fast, Secure and No Obligation Auto Loans and Refinance Loans for All types of Credit! Get The Car Loan You Need Today with A Little Help for bad credit loans from Valley Auto Loans!

Why Choose Us

How did we became America's #1 Auto Finance and Refinance lead provider? Regardless of your circumstances, bills, bad credit history, job loss or if you are in the process of rebuilding your credit - Valley Auto Loans is in the business of helping people. Bottom line, "The Customer Comes First!"

New and Used car purchase options, refinancing and more. We are here to help you get a loan you deserve from a lender that will not require an unreasonable loan payment. To begin simply fill out our auto loan application and get back on the road in no time!

Experience & Skills

In business since 2011

Expert Technology

Entirely Safe and Secure

No Fee Service

There is no cost to apply!

Guarantee Services

100% Application Acceptance

Trusted Work

4.9 Star Rating on Facebook

High Quality

We ONLY work with the best

Car Loans For People With Bad Credit

Low interest auto loans for 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? Need to know what is a good credit score to buy a car or qualify for a car loan?

Valley Auto Loans is one of the few subprime auto finance companies that understand your situation. We have a long track record of helping shoppers secure loans for poor credit and the bad credit auto financing they need for a vehicle, regardless of their current credit score. Though we are not a financial institution ourselves, we are considered by many to be the premier source of providing loans through credit unions, banks, dealerships and more while minimizing the chance of a higher interest rate than most lenders charge during the life of the loan.

How Valley Auto Loans Can Help You

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. Our specialty is providing a service to provide loans for people with poor credit.

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 poor or subprime credit. For more information on about Valley Auto Loans please be sure to read on!

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

Bad Credit and Special Financing Auto Loans

Valley Auto Loans offers an extensive variety of services for situations of all kinds. We are not like most companies that judge you based on your application information. We understand that life happens! Sometimes the most unexpected things can come up, no matter how well we plan, and because we work with such a large group of lenders, we can meet the needs of almost all our applicants.

Below you will find a portion of the solutions we provide for applicants with bad or perfect credit.

Car Refinancing

Valley Auto Loans website is one of the few that can provide car refinancing for applicants with terrible or terrific credit. We have labored long and hard over the course of several years to build our exclusive network of lenders. This network consists of banks, credit unions, private lenders and more. You will not find a better solution to refinancing your current vehicle than our website. In addition to our first class auto refinancing service, we also have articles with helpful and educational material to help you know what it means to refinance a car as well as tips on the when the best times to refinance are while you currently have a loan on it. Refinancing is a great way of lowering your car payment each month and potentially decreasing your interest rate, saving you money all the way around!

Of course, you can always use a refinance loan or a secured loan against the vehicle's title to provide some extra cash flow if you have already paid the car off. Financing in this way is similar to and often referred to as a “cashout refinance” where in which you refinance the vehicle with the purpose of taking a loan to use the money for other purposes.

To begin the process, start today and fill out our 60-second application located at!

Special Forms of Auto Financing

Life can come at us all from a variety of ways. That is why we have tried to make auto financing possible for everyone. Below are a few of the special finance programs we have set up to give all applicants a chance at obtaining a loan online as conveniently as possible.

 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.

Expert Advise and Experience

We offer expert assistance and direction of the various types of bad credit auto loans and advice when shopping for deals on new vehicles. 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 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 salesperson. 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 salesperson.

Many credit bureaus, as indicated in the terms and conditions of the website, 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 distinct from the one you see from the same bureaus listed on your credit report. Items such as installment loans, credit cards, mortgages and automobile financing all contribute to this rating. However, as you read through our website you will learn that certain types of lenders do not always report your payment history. A great example of this are typically referred to as Tote The Note car lots as well as infamous the the buy here pay here dealers, so be sure to ask if they 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.

Over 335,518+ Applicants And Counting

Making Us One of The Most Trusted Websites for Bad Credit Car Loans, Leasing and Auto Refinancing Online.

Scroll to Top