Bad Credit Doesn't Mean No Car
If you've been turned down by a bank or traditional dealership because of your credit history, you're not alone, and you're not out of options. Your Time To Drive was built specifically to help buyers like you get behind the wheel of a quality used vehicle, regardless of past financial struggles.
We work with a network of lenders who understand that credit scores don't tell the whole story. What matters to them is your current ability to repay — your income, your stability, and your commitment. Apply today and let us match you with the right financing option.
What Counts as Bad Credit?
Lenders generally consider a credit score below 580 to be "bad credit" or "subprime." Common causes of low credit scores include:
- Late or missed payments on loans or credit cards
- High credit card balances relative to your limit
- Collections, charge-offs, or repossessions
- Foreclosure or short sale on a home
- Past bankruptcy
- Limited credit history
No matter which of these applies to you, there are lenders in our network who work with these situations every day.
How We Help Bad Credit Buyers
Our process is designed to remove the barriers and embarrassment that bad credit buyers often face at traditional dealerships. Here's what makes us different:
- Apply first, shop second. You get approved before you visit the lot. No surprises at signing.
- Specialized lender network. We connect you with lenders who specifically focus on subprime and non-prime auto loans.
- 140+ dealerships. Our partner dealerships have on-site finance specialists trained in bad credit deals.
- 11,000+ vehicles. A wide range of makes, models, and price points so you can find something that fits your budget.
Building Credit Through Your Auto Loan
One often-overlooked benefit of a bad credit auto loan: every on-time payment you make is reported to the major credit bureaus and helps rebuild your credit history. Many of our customers find that after 12–24 months of consistent payments, their credit has improved significantly — opening the door to better rates and more options in the future.
Ready to Apply?
It takes about 60 seconds. There are no lengthy forms, no confusing questions, just the basic information we need to match you with financing options. Take the first step today.