Bad credit, no credit - ok with us
Apply for a car loan
Save 1 hour at the dealership. Fill out our secure application to lock in your rate today.
Are you applying for financing for yourself, or jointly with a co-borrower?
When you’re pre-approved you get to call the shots in the car-buying process
A pre-approval is a car-shopper’s best friend. It turns you into a cash buyer, gives you a negotiating edge, and takes all the stress out of financing. It’s car shopping on your terms. Not the dealer’s
15+ lenders competing for you
We have exclusive, long-term relationships with banks and credit unions — some that focus 100% on car loans. And we have no problem pitting them against each other to make sure you get the best rate available.
Buy with confidence
With a pre-approval, you’ll know what your monthly payments will be. It takes all the guesswork out of buying a car. You’ll never be stretched too thin ... and you may even be able to get a nicer car than you thought.
Faster financing
A pre-approval helps you fly through the financing process. You’ll already know how much you can borrow, your rate, and your monthly payment. There’s no need to waste time crunching numbers in the back office.
You’re approved
Our goal at Carmel Motors is to get you approved regardless of your credit history. Our lenders specialize in getting the best rates whether you’re just building your credit ... or trying to rebuild it
Same day rates
Want to know how much you can borrow? Find out right now. Just fill out the form above and you’ll have your loan rate within 24 hours. You could be driving a new car by tomorrow!
Frequently asked questions
I have a pretty bad credit score. Can I still get pre-approved for a loan?
100% yes. We’ve spent years building relationships with 15+ lenders who specialize in securing loans for all types of credit histories — even pretty bad ones. At Carmel Motors, we know how important it is to start building your credit back up and we want to help you get there.
How long does the pre-approval process take?
We won’t make you wait long. Promise. Our online application will take about 2 minutes to fill out and then you can expect an offer from us within a day.
Do you approve first-time buyers?
Absolutely. Our lenders offer a variety of special rates and financing for first-time buyers and students. Buying your first car is a major milestone and we’ll work hard to make sure you get the car you want at a rate you love.
Is being pre-qualified just as good as being pre-approved?
Definitely not. A pre-approval guarantees you a car loan. It provides you with a loan amount, rate, and term. A pre-qualification is more like a guestimate with no guarantees of a loan.
Are there any fees associated with getting pre-approved?
None whatsoever. At Carmel Motors, our pre-approval process is fast, secure, and always FREE.