No Credit Check Car Lots, Loans & Dealers Near You – Valley Auto Loans

No Credit Check Car Loans

No credit check auto loans can seem like an interesting way to buy a car. You can skip the process of a credit check when buying with guaranteed financing sales through the dealer.

Sellers offering buyers the lure of fast, risk-free auto purchases with no credit check car financing options and the ability to pay for the car directly to the car dealer.

This service is one we will take the time to review below and discuss the pros and cons of a sale in this manner for you to clearly understand.

We will also take time to cover how we would personally rate this among other current sales programs available for you and your family.

However, several things will affect your credit status and your car purchase in a negative way. These are things that you should take time to know about that will be required! Contact us and we can offer you better options for bad credit!

No Credit Score Car Financing

No Credit Check Car LoansNo Credit Check Car LoansSome no credit check sales are set up to be a well-planned dealer scam to put extra cash in the car dealers pockets.

Zero down with bad credit car sales will fall into this same category.

Everyone shopping for a car with a low credit rating should see our “new car buying and sales guide”.

Use this to learn the facts about negotiating with sellers and selecting the best no credit check car financing when you’re ready to contact someone near you.

You will be amazed at the amount you will save and will be able to negotiate with more confidence than you ever have before.

Let’s look at “Several practical, no credit car options including credit check sales with bad credit” and “low credit score auto sales” so you can understand the facts before you apply for a no credit inquiry auto deal.

We Will Cover

  1. BHPH Vehicle Sales.
  2. No Credit Check Auto Financing.
  3. A Traditional Loan With Poor Credit.
  4. How to apply in order to find a bad credit auto loan with no obligations!

What About BHPH?

local buy here pay here car lots with Valley logolocal buy here pay here car lots with Valley logo

Buy here pay here started in the 1970’s when the savings and loan organizations were having problems.

These locations offered car buyers an opportunity to be able to purchase an automobile without having to find a financial lending institution that was able or willing to make the loan. These sales did come with a credit score inquiry.

This was a good alternative if you are self employed and could not prove your income and were shopping for used transportation.

Today, Some That Finance, Offer No Credit Inquiry Automobiles.

Today, the BHPH market offers no credit check finance options. Getting a no credit check car loan this way is mainly beneficial to the individual that either has not built up any credit history or for the consumer that has a poor credit.

  • No Credit– An example of someone that has no credit history would be a young individual such as a high school graduate who needs a car to commute to their new job. Because they have never bought anything on credit, they cannot get a car loan.
  • Bad Credit– An example of poor credit might be someone who has run into financial hardship due to high medical bills or such. They have fallen behind on his or her other bills over an extended period and missed some payments.

Neither of these situations is any fault of the borrower, and in both cases, the individual still needs reliable transportation.

Buy Here Pay Here (BHPH)

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Buy Here Pay Here and No Credit Check is an opportunity for those who cannot get bank financing or a traditional auto loan from a standard finance company.

For example, consumers with a recent bankruptcy on their credit reports.

They believe that Buy Here Pay Here is their only opportunity for obtaining a deal.

Although, a no credit deal offers limited inventory to choose from for no credit customers, and their inventory is usually limited to used vehicles.

However, if you have subprime credit, and you need an auto loan with no credit history, don’t assume that BHPH is your only possibility.

First-time auto sales with no cosigner and buyers with poor credit and no cosigner have other avenues.

No Credit Background

With the No Credit Check business, the dealership carries the loan on the vehicles they sell.

This means that you make each month’s payments directly to the dealership. Your money does not go to a major finance company or bank.

This is why they do not have to run credit checks to offer you a loan.

Typical ones that offer in-house financing create specialized finance companies just for their businesses.

These no credit auto advances carry a much higher interest rate than a typical no credit loan, and you may be required to make your cash payments in person each month.

Some in-house financiers we found on Google offer online systems and other options, such as “auto draft” payments.

There are also some new car dealers that have various buy here pay here options for their used car selections but will require a check of your automotive credit score to approve your loan.

Most times these cars have previously been traded in for a newer model, and the dealer has inspected the cars and has performed any maintenance that was found to be needed before reselling.

These in house car loan dealerships will still limit the new cars to credit check financing customers only.

Do you need a car loan but your credit score is below average?

No Credit Check vs. No Credit Rating Loan Advantages

There are many advantages of purchasing a car with a bad credit auto loan that differ from a dealer that offers a no credit check loan.

  1. First, no credit cars give someone the opportunity to build or repair their credit history. But only if that lender reports your car loan to improve your credit history. This is practical for the first auto loan for a young person just starting out that has no credit history. It gives them the chance to get a car loan with no credit and build some credit history. This is also practical for the person that has been hit with a life-altering experience and have dropped to a subprime credit rating. It will help them build their credit score back up.
  2. The second advantage of no credit over no credit checks is that usually the loan repayment terms are structured differently than a traditional loan. For example, the length of the loan could be longer which could give you a lower monthly payment.
  3. A third advantage is that many times the dealer will sell and finance the car from their inventory. The dealer/ lender only requires the proof of income from the buyer with no credit. That is all that would be needed to qualify for the loan.
  4. Another advantage of no credit cars is that this may be the only alternative for you at this time. If you have no credit history, it will be difficult to get a car loan. After you have made some payments and gotten your credit rating up, you can qualify for auto refinancing quote for lower payments.

Buy Here Pay Here; No Credit Score Check Disadvantages

Unlike new car dealerships, you will be limited to shop in person from one location to another looking for financing with dealers who do not review your credit report.

When you obtain no credit loan financing for a large purchase such as a luxury vehicle you probably try to make the regular payments on time and in full to build your credit rating.

If you purchase your car from a BHPH location or a dealer who offers no credit reviews, you will not be helping to rebuild your credit.

Your good payment history is usually not reported to the registered credit bureaus.


Bad Credit Auto Loan dealerships or No Credit Auto Loan Lenders can be found online.

By using a loan broker like us to match you to the best car loan, you will have your loan approval in-hand and can shop at any dealership you like. 

No Credit Inquiry Car Remove Loan History

Cars that do not review your credit score removes the history about how likely the borrower is to repay the auto loan.

As a result, the finance lender needs to treat everyone as if they were an extremely risky borrower.


Everyone who applies for a car with no credit inquiry will get the worst possible loan term because the lender has nothing to base your ability to pay on.

That is because the interest rates on such a loan is based on the worst possible borrower will be the highest in the market. The lender does not want to run the risk of having to repossess the car with no profit.

Also, there is the danger of losing the car, and the uncertainty of not being able to trust the borrower.


First-time car buyers with no credit are trying to build a credit history.

Most no credit check financing will not help the borrower build credit or improve their credit score.

Long-Term Costs For Auto Loans With No Credit Score Inquires

The bad thing about car loans that don’t check your credit is you will be charged extra-high rates for the duration of the no credit auto loan because they charge more to compensate for the additional risk your car loan will carry.

People who get no credit check car financing will be treated like you have the lowest possible credit score, and you will be re-paying on the most expensive car loan than any other source of financing.

After a short time, you will need to lower your car payments to prevent giving more than the car is worth.

No Credit Check Security Measures

Many of these no credit check options also carry out security measures to guard against people who may “skip” with the car. For example, dealers who skip the credit report inquiries often install a remote control device that they can use as a GPS tracker to find the car.

They can also disable the car’s ignition from a remote location.

If you are late on a payment, you may find yourself walking to work or taking the bus until you can get the amount in question squared away.

Because they are taking a greater risk in financing the vehicle, they will usually charge a higher price rate than the traditional lenders will charge.

Because of this, the buyer will pay more for the automobile over the full term of the loan than they would with a conventional loan and vehicle of the same value.

Generally speaking, used car dealers that offer in-house financing with no credit report check, obtain their inventory from attending car auctions.

Many of the cars available are reliable and dependable, but often the cars are only cleaned up, and the engine and drive train are not thoroughly inspected and repaired, and there is no warranty.

This puts you at a definite risk of buying bad quality cars.

Many of the security measures make it possible for them to offer a car loan without checking a persons credit history.

Effects on Your Credit History with No Credit Inquiry Loans

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If you have no credit or poor credit history, getting a car loan paid off is a way to bring up your credit score.

However, for no credit loans without credit inquiry policies, the lender does not report the transaction and its history to the appropriate credit authorities.

As a result, despite all the hard work of repaying a loan in full at max interest, the credit rating will not change. The borrower will not be able to improve their credit score.

Paying off the loan is an uphill battle due to the unfavorable terms, but the loan does not enter their credit history.

Yes, the credit bureaus will not know the loan ever occurred. Even though the borrower managed to pay off a very costly auto loan, the car loan will not affect their actual creditworthiness.


Car loans are not just a way to own a car. They can act as a bridge to other loans, such as home mortgages, student loans, or credit cards. Credit bureaus are improving the way they look at auto credit.

Most dealers and auto lenders use something called an auto credit report. This report can even give them a credit score that is different from the one you thought you had.

However, because no credit check loans and BHPH loans never enter a credit report, it cannot improve the borrower’s credit score.

 Down Payments For No Credit Check Cars


No credit check car loans will also require a larger down payment than any other auto financier.

The reasoning is that the lender does not know if the borrower will be able to pay back any of the loan at all – they could default on the first payment.

That would force the lender to repossess the car right away. To repossess a car is an expensive process.

These particular dealers and lenders need to set the down payment large enough so that it can pay for the cost of that repossession process.

Otherwise, the auto lender could take a loss on the loan.

Related Reading: No Down Payment Car Loan Advice

The down payment needs to cover that risk and provide the bank and dealer with some profit if the down payment is the only money the vehicle lender will ever receive from the customer or borrower.

High down payments are always associated with car loans for people with no credit.

“No Credit Car Loans” can rebuild your credit rating, but it must be done with a reputable no credit car loans company.

Build Your Credit!

Car loan lenders who check a persons credit level, while irritating and embarrassing to customers, is an important part of the auto loan qualifying process.

Credit inquiries let the auto lender know how creditworthy the borrower is.

This information then affects how the lender structures the loan.

  1. The interest rate.
  2. Down payment.
  3. The length of the loan.
All depend on the credit score of the borrower and their personal finances.

However, bad credit car loan lenders look closely at the borrower’s ability to pay back the loan and not so much, his or her credit score situation.

  • How long you have had your job.
  • What is your monthly salary?
  • How permanent is your residence?

All these factors help no credit car loan lenders decide if you are a risk or not and if you have the ability to pay back the loan.

Your credit score is used for any loan, but especially so for auto loans, which are some of the largest loans, any consumer will take out.

Car loans with no credit check give the lender nothing to base your interest rate and a down payment on so they will charge the maximum amount possible.


If you are shopping for cars an you don’t want your credit report pulled, chances are, you believe that your credit is not good enough to qualify for a conventional car loan.

no credit check auto financeno credit check auto financeThe problem may be that you are not looking for the right auto loan lenders for your loan. You could miss an opportunity to build your credit score and repair your credit history.

Would you like to know just how low of a credit score will qualify you for a car loan?

Valley Auto Loans will match your credit needs to the proper bank so that you will get a reasonable loan for no credit financing.

Even if you have enough credit for credit check loans, this will also allow you to shop for a car at any lot you choose.

That way you are not left with only taking a car that someone with bad credit can qualify for.

Many no credit applications are excepted daily and reviewed by our lenders to find the best possible auto loan for the applicant.

You could also pre-qualify with bad credit for your loan, so you know how much money you have to purchase with. This will ensure your loan approval for any of your car choices. 

The process for a person to get pre-approved today is a very quick process.

They also can assist you in refinancing your auto loan with bad credit. If you need to lower the payments or access the equity, you have in the car for other expenses you have, refinancing online is a good option.

There is no application fee, and there is no obligation.

Our “How can I lower my car payment if I have bad credit” page can answer any questions you may have about refinancing your auto loan to lower your car payments.

Advantages of a Traditional Loan

When you get a traditional no credit car loan, you will likely have the option of making your payments through their website, the mail or even over the phone.

You may also have the option of setting up automatic debit payments if the finance company offers the service.

Also, with a traditional loan, your payment history is reported to one or more of the three major credit reporting agencies.

As you make your regular and on-time payments, your credit rating improves over time.

Paying off the vehicle gives your credit score a big boost. Explore traditional financing options before settling for a We Finance establishment.

Many times, college students will consider a no credit check auto dealership that promises to approve everyone because of their lack of credit history.

It may get them a car but will not help them establish good credit.

Car Selection

One of the greatest benefits of obtaining a no credit loan from a lender is the fact that you get to pick out your new or used vehicle! In fact, you can shop around for your car before you even apply for your loan.

We specialize in matching consumers with less than perfect credit with lenders who offer them excellent financing options.

How to Get a Loan Without Having Your Credit Reviewed
no credit car loansno credit car loans

Most of the time, the No Credit Auto Loan Requirements are easy.

  1. First, expect the seller to require you to have a valid driver’s license. If you do not have one, they will not even consider going forward with the sale of a car.
  2. They will also require some proof of income.
  3. A steady history of employment with validation, such as a recent pay stub.
  4. They may also require a minimum weekly take-home amount of $2,000 a month from that source of income.

Our lenders offer some programs for low-income car loans that will approve someone with a gross monthly income of $1,500 a month or more.
They will usually require proof of residence, and will not accept a P.O. box.

They will require it to be a physical residential street address. Once the sale is made, they will also need insurance that would cover the cost of the car if it is involved in a wreck.

Should You Choose This Option?

We would recommend that you do your research before you decide on this option. Don’t just assume that you cannot get a traditional loan.

We would recommend that you apply for subprime loans first, and then you could be approved even for first-time car buyers.

You will be able to fill out your auto loan application and get your credit check online to be pre-approved.

Subprime, bad credit loans are looked at differently than credit card loans by the credit bureaus so check your credit score annually to see your auto credit ratings.

Remember that a bad credit auto loan lender looks closely at your job status and residence than your credit score, debt or credit profile.

It is important to fill out the application as accurately as possible and try not to leave any form fields blank.

You will improve your chances of getting accepted if you have a steady income for at least the past year and the car loan is over $7,000.00. A bad credit auto loan will rebuild your credit over time.

If you find out that you are not accepted after you have applied, then maybe a buy here pay here loan is the only option for you, but your goal is to get a car and rebuild your credit.

What are my best options when it comes to personal loans vs car refinance?

We can show you a real-life example of which is better in the long run.

no credit check autono credit check auto

The bottom line on car loans that don’t require a credit score profile check is that they add several additional costs and remove many benefits compared to a conventional auto loan with no credit and are a better choice.

Credit checks are much easier and less invasive to perform now than they used to be.

Online no credit car loans do not even need an in-person appearance, which removes the embarrassment of public rejection. Just fill the application out online.

At the very least, a loan that requires a credit check will appear on the borrower’s credit history, so repaying the auto loan on time will go a long way toward repairing your credit.

Planning an auto loan budget ahead helps you make the payments on time and prevents unwanted money problems for you and your family. You can use our resource tools like an auto loan calculator to help plan the car payments.

Questions and Answers

Where Can I Buy A Car With No Credit Check?

Valley Auto Loans specializes in lenders extending credit to borrowers with poor credit scores through connections to financial providers and other institutions for that purpose. We can show you how to get a car loan with no credit.

This eliminated the need for in house financing and provides you with the best possible financing options. We know those stressful situations can damage a person’s credit, even when they are acting responsibly.

Sometimes they cannot have total control of their financial status. 

Lucky for you Valley Auto Loans cares about your financial needs, But it does not stop there.

We can explain how to buyout a leased car and when is a car lease buyout a good choice with the correct financing.

We compare leasing vs. financing your next car and show the advantages and disadvantages of these choices.

When no credit car loans seem to be your only option, turn to Valley Auto Loans.

We will search for the best auto loan institution that will provide a loan for you and, in turn, will begin the process to repair your credit score.

Experience and dependability give us the ability to offer fast and safe car loans for all, so nobody will pay more than he or she should for a monthly payment or the down payment.

Final Thoughts on No Credit Check Car Loans

Valley Auto Loans can find a lender for almost every loan applicant.

This is valuable not only to those with bad credit but to credit-challenged people who are just starting out on their own and don’t have any credit history at all.

Approval is fast; there is no application fee, and there is no obligation.

Many auto loan lenders are reserved to take a chance on such untested consumers, but we are confident that we can find you an approved auto loan or lender willing to offer you an auto refinance.

Also, you will not be limited to just “no credit profile car dealerships” or those only offered for people with bad credit.

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