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Bad credit does not mean you cannot get a car loan. Dozens of lenders and dealer networks specialize in auto financing for credit scores in the 500s — and many offer pre-qualification with a soft pull so checking your rate costs you nothing. This guide covers the best options for 2025.
Best Auto Loans for Bad Credit in 2025
Compare multiple auto loan offers in minutes. New and used vehicles, refinancing, and private-party purchases. Pre-qualification available with no impact on your credit score.
- New cars, used cars, and refinancing
- Min credit: ~500 (varies by lender)
- Compare up to 5 offers at once
- Soft pull pre-qualification
- Loan terms: 24–84 months
Compare Auto Loan Rates — No Credit Impact »
Soft pull only · Results in minutes · No obligation
Auto Lenders Compared
| Lender | Min Credit | Loan Type | APR Range | Best For |
|---|---|---|---|---|
| LendingTree Auto | ~500 | New, used, refi | Varies | Comparing multiple lenders |
| AutoPay | 580 | Refi + purchase | 2.99%+ | Refinancing existing auto loans |
| RefiJet | 550 | Refinancing | Varies | Lowering your current car payment |
Tips for Getting Approved With Bad Credit
A larger down payment (10–20%) dramatically improves your approval odds and reduces your monthly payment. Having a co-signer with better credit can also unlock lower rates. Focus on used vehicles under $20,000 — they are easier to finance with imperfect credit and carry less financial risk.
Frequently Asked Questions