Bad Credit CAR Loans Service

100% Application Acceptance rate


Fast and Secure Auto Loans and Refinance Loans. Finance for All Types of Credit! Get The Interest Rate You Need Today with A Little Research 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! From start to finish we can help have you driving in as little as one business day. Forget about the payday loans, taking equity out of your home or another scam. These are BAD ideas! Spend 60 seconds applying with Valley Auto Loans and we can help secure the refinance, lease or bad credit car loan you need along with a competitive interest rate and short terms on payments.

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 with affordable monthly payments. 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! You can also view our blog or all available pages here.

facebook logoValley Auto LoansValley Auto Loans
4.9 Stars - Based on 78 User Reviews

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.

Related Reading: 10 Eligibility Requirements For An Auto Loan

Below you will find a portion of the solutions we provide for applicants with bad credit looking for an auto loan. We also provide outstanding interest rates and for those with subprime all the way to perfect credit. Using our site we can connect you with a lender or dealer near you in a matter of minutes.

Car Refinancing

Valley Auto Loans website is one of the few that can  provide car refinancing for applicants with terrible or terrific credit. Additionally, we provide several other options that you will read about below including the hard to find, auto equity loans for bad 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 party 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! Read on to learn how to lower car payment today with only 60 seconds of your time.

Of course, you can always use a refinance loan or a secured loan against the vehicle’s title (MAKE SURE there is no reference to “title status rebuilt” though!) 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 https://refinance.valleyautoloan.com/application!

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 financing auto loans we have set up to give all applicants a chance at obtaining a loan online as conveniently as possible. At Valley, loans for people with bad credit DO exist! This is the reason we are America’s number 1 website for car loans and referred to as experts in finding the best subprime auto lenders for anyone.

 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 car buying guides, auto financing tips, buying and maintenance 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, security auto 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 478,358+ Applicants And Counting

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

Scroll to Top