Been turned down before? We've heard that. We specialize in situations just like yours — no credit, bad credit, repossessions, bankruptcies, ITIN. Our lender relationships exist specifically to get you approved when other dealerships give up.
Takes 2 min. No SSN required at this step.
Keep an eye on your phone. We move fast.
Your credit score is one data point. Here's what actually matters to us and our lenders.
Income stability. Do you have steady income — employment, disability, military pay, self-employment, BAH/BAS? That matters more than a three-digit score.
Down payment. A down payment reduces lender risk. We'll tell you upfront what a realistic number looks like for your situation — no guessing.
Time at current job or address. Stability signals matter. Even 3–6 months at the same job helps significantly.
What you can comfortably afford. We won't put you in a payment you can't handle. We'd rather find the right vehicle for your budget than make a sale that creates a hardship.
A past repossession. Yes, it makes things harder. But with the right lender and down payment, it's not automatic disqualification.
A bankruptcy. Lenders like Credit Acceptance understand that life happens. A discharged bankruptcy can actually make you more financeable than an active one.
No credit history at all. If you've never had a loan, you might think that hurts you. In many cases, a blank slate is easier to work with than a damaged credit file.
An ITIN instead of SSN. Not all lenders accept ITIN — but our partners do. Tell us your situation and we'll point you to the right option.
No SSN required at this point. We just need your name, phone, and a rough idea of what you're looking for. That's enough to get started.
A real person from our team — not a bot, not a call center. We'll ask a few quick questions about your income and what you're looking to spend monthly.
This is a hard pull — we'll tell you before it happens. We submit to multiple lenders simultaneously, including Credit Acceptance, to maximize your chances.
Amount, monthly payment, down payment required. No vague answers. If something doesn't work, we tell you why and what to do about it — even if it means waiting a bit.
We match your approval to something on our lot that fits. Paperwork usually takes under an hour. We've had customers call in the morning and drive home by afternoon.
Having these ready speeds everything up significantly.
State-issued driver's license, TX ID, or passport. ITIN holders — bring your ITIN letter and a valid foreign ID or consular ID.
Two recent pay stubs, military LES, bank statements showing deposits, or a letter from your employer. Self-employed? Bank statements work.
A utility bill, bank statement, or any official mail from the last 30–60 days showing your current address.
An active phone number where lenders can reach you. Lenders verify this as part of the approval process.
Cash, debit, or card. Amount varies by situation — we'll tell you the range before you come in so there are no surprises.
Some lenders request 3–5 personal references. Just names and phone numbers of people who know you — doesn't affect their credit.
We can't promise approval without knowing your situation, and we won't insult you with a fake guarantee. What we can tell you is that Credit Acceptance has a higher approval rate than most traditional lenders specifically for people who've been denied elsewhere. If we can't get you approved today, we'll tell you exactly what needs to change and help you get there.
It depends on the vehicle price, your down payment, the loan term, and your approved interest rate. As a rough guide: a $10,000 vehicle with $1,500 down on a 60-month term at a subprime rate might run $220–$270/month. We'll give you real numbers for your actual situation — not estimates.
Typically $500–$2,000 depending on the vehicle and your credit situation. Higher down payment = lower payment and easier approval. We'll give you the honest number before you come in.
Filling out our form does not. A hard pull happens when we actually run your credit with lenders — we always ask permission first and tell you before it happens.
Possibly, yes. It's one of the hardest situations to finance, but Credit Acceptance is specifically designed for it. The more time since the repo and the stronger your current income, the better.
Fill out the form and we'll reach out within minutes during business hours.
Msg & data rates may apply.
Our team will call or text you shortly. Keep an eye on your phone.