Bad Credit Car Loans for New or Used Cars

Web2Carz Review

Rating:  4.5 / 5 stars

One of our top recommendations for new and used bad credit car loan quotes is now Web2Carz, a relatively new company that features an online portal chock-full of useful information about everything and anything related to buying and financing a car purchase.

• The company claims to approve more than 99% of applicants which is an astoundingly high rate of approval.
• Large network of participating car dealers that gives consumers access to new cars, used car dealers, buy here pay here lots (be careful) and rent-to-own car programs.
• Some of the participating dealers work with individuals who have filed for bankruptcy
• Nationwide service

Summary:

Web2Carz connects consumers regardless of credit with car dealerships that offer auto financing. Web2Carz’s philosophy is that the best option for a customer with bad credit is to work directly with the car dealership.  They have developed a nationwide network of dealers who offer auto financing regardless of credit, making this one of the easiest ways to shop around for a bad credit car loan without having to leave your home.

My favorite aspect of the system is that they bring the dealers to YOU.  If you are looking for a loan quoting system that will allow you to purchase a car direct from an individual this is not the service for you.

This means that you will get a far better deal than if you were to pull out the yellow pages and start calling dealer by dealer. When car dealers are forced to compete for your business, you are guaranteed to get a much better deal and save money. This is why I highly recommend you try online quoting systems before you visit any dealer.

All you have to do is submit one short car loan application and Web2Carz will take care of sending that application to every dealership in your area that can offer you a loan.  Web2Carz claims to approve more than 99% of applications.  Do let us know your experience. We value your feedback!

It’s fast, easy, and best of all its free.  Oh and there is no obligation. If you are not satisfied with the offers you get, you can just walk away which you should always do if you are not happy or comfortable with any financing offer.

PS – We are looking to hear from customers who have used this service to purchase a car. Please do contact us to share your car buying experience!

Would you like to buy yourself a new car but don’t have the cash on hand to do so? Worried your credit may get in the way of getting an auto loan? If this sounds like your situation, consider BarNone, the auto financing company that will help you identify a dealer that will work with you and make buying the car you need fast and easy.

You’ve probably seen the BarNone ads on TV.  It’s no wonder BarNone Auto Finance is fast becoming one of the leading providers of auto loans for people struggling with credit challenges.  BarNone makes it easy for anyone to purchase a much-needed car. Let BarNone put you behind the wheel of a new vehicle.  New and Used Cars Loans Available for all Credit Types.

If you have No Credit, Good Credit, or Bad Credit consider BarNone.

*** NOTE: Individuals with previous bankruptcies, judgments or liens  should try our new bad credit car loan quoting system *****

A Preview of the BarNone online application. It is short and easy to fill out!

BarNone Auto Finance – As Seen on TV!

BarNone Auto Loans  – Frequently Asked Questions (FAQ’s)

How much does this service cost?

BarNone’s auto loan quotes is a 100% FREE service and there is absolutely NO obligation.  If you don’t like the dealers who approach you or aren’t satisfied with the offers made, you can simply walk away, no questions asked. You are in control.

How long does it take to complete the application?

The BarNone application is very simple and brief. It shouldn’t take you more than 60 seconds to complete. Best of all, you get an INSTANT response regarding your approval status.  With more than 99% of applications approved, you really can’t go wrong with Bar None.

How long does it take for them to get back to me?

Well, the system is designed to get you an instant car approval response after you submit the application. After that, you should hear back from a rep within 24 business hours in regards to your appointment.

What happens after I apply?

After you complete the quick application, a BarNone representative will contact you to schedule an appointment.  The next step takes you straight to the dealer of hour choice where you can drive off in your new car on the same day.

Can I apply with other dealers or submit applications with other quoting systems?

You are not bound to work with BarNone.  By all means do shop around to get the very best deal you can.

What lenders are available through the BarNone auto loan program?

The dealers that participate in Barnone’s extensive car dealership network have access to a large list of lenders who specialize in providing auto financing to individuals with bad credit. When you apply via Barnone you will have immediate access to the following participating lenders:

1st Investors Financial Services

722 Redemption

A-L Financial Corp.

ACE Motor Acceptance

American Auto Financing Inc

American General Auto Finance

Auto Credit of Florida

Auto Use

AutoBanc

Automotive Credit Corporation

Capital One Auto Finance

CAR Financial Services, Inc.

CARFINCO

Central Credit Corp.

CitiFinancial Auto

Coastal Credit

Community Choice Financial

Community Finance Company

Condor Capital Corporation

Consumer Portfolio Services

CPS

Credit West Corporation

Crescent Bank & Trust

Dependable Credit

Diamond Finance Company Inc

Drive Financial Services®

Exeter Finance Corp.

Financial Services

Financial Solutions (Bulk Purchase)

Fireside Bank

Flagship Credit Corp.

Freedom Financial Group

Friendly Finance

Heritage Funding Group, Inc.

Honor Finance

Inofin

Key Auto Finance

Liberal Finance Service

Lobel Financial

Lydia Cladek, Inc

MVA

Mid-Atlantic Finance

Financial Services Corporation

Nationwide Acceptance

New City Funding Corp.

Nicholas Financial

Preferred Automobile Credit Co.

Reliable Auto Finance

Security Auto Loans, Inc.

Security National Automotive Acceptance

Sixth Gear

Small Dealers Assistance (SDA)

Sport Leasing & Financial

Summit Financial Corporation

Tidewater Motor Credit

Travelers Leasing Corporation

United Auto Credit Corporation – UACC

VFC Inc.

Vehicle Acceptance Corp

Wells Fargo

Western Funding Inc.

Westlake Financial

Recommended Bad Credit Car Loan Quote Sites:

• Apply for a Rent to Own Car
• Apply for a Bad Credit Car Loan

Introduction

When one is in need of a car, and bad credit begins to get in the way of an individual’s ability to get a car, people tend to find themselves in a vulnerable situation. Most who are in this type of situation often opt to purchase a car in cash, but those who do not have enough cash on hand to purchase a car are left with limited options.   Many used car dealerships located across the US that cater to people having this kind of life experience because of bad credit. They are known for being able to finance just about anyone for a car.

Unfortunately, some buy-here, pay-here car dealers have a long record of consumer complaints.  Here’s a recent complaint we recently found on facebook:

THIS COMPANY DOEN’T BACK THEIR CARS. MY FRIEND AND I ALONG WITH OUR KIDS WERE ALMOST KILLED THIS WEEKEND. THE TIRE ONHER CAR FLEW OFF AS SHE WAS DRIVING TO WV. THE STUDS BROKE OFF. THEY WONT FIX IT BECAUSE THEY SAID WE LOOSNED THE LUG NUTS OURS…ELVES. THIS CAR HAS BEEN IN THE SHOP 4 TIMES IN 1 MONTH AND STILL UNDER WARRANTY. THEY STILL WONT FIX THE DAMAGE.   June 15 at 12:57pm ·  *Review found on Facebook*

Buy-Here, Pay-Here Car Dealers: The Good, The Bad and The Ugly

THE GOOD

1. Credit for Almost Anyone – Horrible Credit, Bad Credit, Good Credit, No Credit.

It seems that the only reason these type of companies are so well known is because they provide car financing to people with bad credit who cannot qualify for a car loan anywhere else.  Practically, every circumstance you can imagine is acceptable including a recent bankruptcy, divorce, or even a repo.  This is the real benefit, if you absolutely need a car — which most everyone does in order to make a living — and you can’t find a loan anywhere else, you can count on buy-here, pay-here car dealer.

Unfortunately, they also serve people who THINK they have horrible credit and are afraid of even trying to qualify for a car loan elsewhere. The sad thing is that quite often these type of people, who may have had credit issues in the past, are often eligible for car financing with many dealerships, even for new car purchases.  This is why I often recommend that my readers use our car loan quoting system or try a service like Auto Loan Bailout before contacting any car dealer.  The great thing about these types of service is that it allows you to complete a brief application which is then submitted to a huge network of car dealers and car lenders.  The car dealers or lenders who want to do business with you will contact you directly. This saves you time, money, and the humiliation of having to go from dealer to dealer and be turned down, plus you can always turn them down if you’re not happy with the offers your receive as their is no obligation.

THE BAD

1. Too Much Emphasis on everything but the Car – From the minute you make contact with a salesperson, they immediately begin talking about the second chance program that is supposed to help individuals with bad credit rebuild their credit with the purchase of a used car.   Even if you try getting them to focus on the cars available, the sales reps seem to be trained to sell one thing, and one thing only the second chance finance program.  The cars seem to be a secondary concern, something I found troubling when shopping for a car.

2. Don’t Expect an Immediate Test Drive – Don’t think you can just walk in and test drive any car you see on the lot.  First, you will probably have to fill the paperwork and talk with a representative. They do this to figure out how much you qualify for. Once they determine the magic number, they will tell you which car(s) you can buy.  This is why it is far better to let the dealers compete for your business before you consider this option. This way, you can pick the car you want and work with dealers who are willing to work with your special credit situation. Why waste time going from dealer to dealer?  You can get several dealers competing for your business using an online bad credit car loan quoting system.

3. Lawsuits -There have been numerous suits filed against the company and the internet is filled with consumer complaints regarding business practices and collections.  This does not inspire much confidence.  Most complaints are about the poor quality of the cars and collections practices.

The Ugly? The cars… though to be fair they do a lot of business and move a lot of cars, so I guess the fact that they don’t always have a bunch of nice looking cars sitting on the lot could be a good sign.

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Bad Credit Car Loan Reviews

BadCreditChannel.com – Bad Credit Car Loans

12 of 13 people found this review helpful.

“thank you so much for putting me in touch with ********** *******.   I got a decent rate on a used Mazda.”  – Melinda Minaya, Kissimmee, Fl.

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Web2Carz.com

36 of 70 people found this review helpful.

“I found my current car thanks to web2cars.com. I filled out the application and about 2 days later got a call from a nearby dealer who asked me to come in for an appointment…” Jill, Atlanta, GA.

“Nice car.” Anthony H. , Chapel Hill, NC.

AutoLoanBailout.com

12 of 30 people found this review helpful.

“I really didnt think I was going to be able to find a dealer to work with me but this site worked it out for me. Chris, Virginia Beach, VA.

“Thanks for helping me out with my new car.“ Alana,  Miami, FL.

“I bought a used Toyota corolla from a dealer. It was a little far from my house, but they were able to help so i didnt mind. ” Anthony H. , Seattle, WA.

AutoLoanATM

New  review.

“they connected me with me with ******** finance company.  I was approved for a used car loan.”  – Henry B., Detroit, MI