Bad Cedit Car Loans Approved in Minutes

97% Approval Rate. Get Instant Auto Approval with $0 Down.
No Hard Inquiry Required to Check Eligibility.

Get Approved in Minutes

Which vehicle do you need?

Step 1 of 5 — Help us find your match

Vehicle Credit Employment Personal Contact
Car
Car
SUV
SUV
Truck
Truck
Van
Van
Please select a vehicle type to continue.

What's your credit situation?

Step 2 of 5 — We work with all credit types

Good Credit
Score 660+ — Best rates available
📊
Fair / Average Credit
Score 500–659 — Still qualify!
🔄
Bad Credit
We specialize in rebuilding credit
📋
Recent Repossession
Active or completed — No problem
🏛️
Bankruptcy
Discharged or undischarged
🍁
no credit or limited credit
No credit history? We've got you
Please select your credit situation.

Employment & Income

Step 3 of 5 — Help us find the right payment plan

Please select your employment status.
Please select your income range.
Please select employment duration.
Please fill in all required fields.

Personal Details

Step 4 of 5 — No SIN required at this stage

First name is required.
Last name is required.
Date of birth is required.
Please select your province.
City is required.
Please enter a valid postal code.
Please fill in all required fields.

Almost done! Contact Info

Step 5 of 5 — We'll send your approval result here

Please enter a valid email address.
Please enter a valid phone number.

Your information is 100% secure and encrypted. We never sell your data. By submitting, you agree to be contacted by a finance specialist regarding your auto loan application.

Please fill in all required fields.
256-bit SSL Encrypted
No Impact on Credit Score
Instant Decision
97.3% Approval Rate

Application Submitted! 🎉

Thank you! A finance specialist will contact you within 24 hours with your approval result. Check your email for confirmation.

What Our Customers Say

Trusted by hundreds of happy drivers

★★★★★

"Mike Wells got me a nice van — even with my credit history, he made it happen. Go see him if you need a good deal on a nice ride. Good cars, great people!"

R. Pope
Verified Customer · Auto Direct
★★★★★

"I can't say enough good things about this dealership. We went for my daughter's first car and everyone was extremely nice and helpful — by far the most enjoyable car-buying experience we've ever had. The team even stayed late on New Year's Eve to finish the paperwork. We will definitely be back for our next car!"

B. Fuller
Verified Customer · Auto Direct
★★★★★

"The people at Auto Direct are wonderful!! We walked in just before closing and were greeted warmly right away. The loan paperwork was quick and easy to understand. Our salesman Terry showed us two vehicles and let my husband test drive both. Terry was easy to talk to and a pleasure to work with. Everyone treats you like family — we'll be customers for life!"

B. Hall
Verified Customer · Auto Direct
★★★★★

"I had the best experience with Auto Direct! Leroy and the rest of the staff were awesome! I highly recommend them to everyone!"

F. Dunn
Verified Customer · Auto Direct
★★★★★

"This was the best car buying experience ever! They were willing to negotiate and work with my old trade-in. I got a great deal and great service even after the sale. You are the ONLY dealership that gave me what I was looking for at the price I wanted. I'll be referring everyone I know — thank you Auto Direct!"

A. Adams
Verified Customer · Auto Direct
★★★★★

"I have purchased several cars and this by far was the BEST experience I have ever had. Mike and Dan were awesome! They came across a few stumbling blocks but used those blocks to build a bridge to my new car!! I would definitely recommend them to friends and family alike!"

J. White
Verified Customer · Auto Direct
★★★★★

"My husband and I are extremely satisfied with our experience at Auto Direct. Mike Wells helped us and not once did he make us feel pressured. The whole staff was wonderful! We will be back in the future and I will recommend to anyone looking to purchase. Highly recommend!!"

J. Johnson
Verified Customer · Auto Direct
★★★★★

"I can't express how pleased I was with the service at Auto Direct! Service manager Jeremy goes above and beyond for every customer. He put my repair on hold and worked directly with my insurance adjuster without any hassle. I can truly say Auto Direct Service Center is one of the best and most compassionate businesses I have ever dealt with!!"

J. Carter
Verified Customer · Auto Direct
★★★★★

"Mike Wells was very helpful and thorough. I told him what I wanted and he brought out the best car he thought I'd love — we are now proud owners of a 2014 Kia Sorento and I'm loving everything about it! The entire staff was also wonderful, checking on us and our kids the whole time. All of them are great people!"

April Johnson
Verified Customer · Auto Direct
★★★★★

"Auto Direct just completed service work on my dad's car! They went over and above to make sure his car was fully repaired. Extremely nice customer service and the price seemed very reasonable. Highly recommend their service department!"

Denise Blackley Loucks
Verified Customer · Auto Direct
★★★★★

"Good people and good service! Simple as that — Auto Direct delivers every time."

Kori Hood
Verified Customer · Auto Direct
★★★★★

"Best customer service with a true family atmosphere! All inventory is carefully inspected and looked over closely before it hits the lot. I will absolutely be back for our next car. Thanks Travis and Brandon!!"

Jana France
Verified Customer · Auto Direct
★★★★★

"My car had issues (not even purchased here) and Jeremy took great care of it. Fast, friendly, and knowledgeable — he even fixed two other minor issues that weren't the reason for my visit! Highly recommend Auto Direct for all your service needs!"

Amanda Harris
Verified Customer · Auto Direct
★★★★★

"I went to test drive a vehicle I saw posted by Mike Wells and ended up buying it! He was professional yet funny — it was a GREAT experience! The entire process went smoothly and I appreciate Robbie and Dan who processed and closed out the sale. I will definitely send customers there!"

Cassandra Echols
Verified Customer · Auto Direct
★★★★★

"Excellent service — very attentive and quick and easy. Love my new car, couldn't have asked for anything else. Travis was so nice and a wonderful salesman. Highly recommend!"

Isabella DiO'rio
Verified Customer · Auto Direct
★★★★★

"Excellent service — very attentive and the whole process was quick and easy. I love my new car and couldn't have asked for anything more. Travis was so kind and a great salesman. Would recommend Auto Direct to anyone!"

Rhonda Riley
Verified Customer · Auto Direct
★★★★★

"Dan worked very hard to get my loan approved and Travis is a great sales person. I love my Ford Fiesta! Definitely recommend Auto Direct — they make the whole process easy and stress-free."

Sandy Lamm
Verified Customer · Auto Direct
★★★★★

"Had a great time and great service. I was helped by Leroy Walthower — a truly great person who did everything in his power to make sure I was taken care of. I would recommend this place of business every single time without hesitation!"

Jason Conyers-Price
Verified Customer · Auto Direct
★★★★★

"Love, love, love them — this is my 3rd car from Auto Direct and they have never let me down. I always leave with a car I love! Keep up the good work. I might just have my future kids and grandkids coming to y'all too!"

B. Davis
Loyal Customer · Auto Direct
★★★★★

"Wesley was amazing!! He gave me options all while listening to exactly what I wanted in a car. The whole process was easy and comfortable. If you are looking for a new car, come see Wesley at Auto Direct in Zebulon — you will not be disappointed!"

Stacey Herwick
Verified Customer · Auto Direct
★★★★★

"Great bunch of folks — they really want to work with you to find the best car and loan to fit your needs. Perry was our salesman and we highly recommend him. Thank you Auto Direct for making this such a pleasant experience!"

Jenny Hopkins
Verified Customer · Auto Direct
★★★★★

"I had a wonderful experience and will highly recommend Daquan Perry to anyone interested in buying a vehicle. He worked with me every step of the way. I greatly appreciate the respect and outstanding service I received from Auto Direct — truly exceptional!"

James Kelley
Verified Customer · Auto Direct
★★★★★

"Highly recommended! Daquan Perry was AMAZING and so was Manager Mike. He found me a car exactly in my price range — no overcharging, no overselling. He truly had my best interest at heart. Great customer service! You will not be disappointed — give them a try!"

Madison Ricketts
Verified Customer · Auto Direct
★★★★★

"I was referred to Auto Direct by a friend and the process was extremely easy. I work all the time and barely have time off, but Leroy handled most of my info via email and phone — so when I came in, it only took about 1 hour to finalize everything. He made the whole experience stress-free. Go see Leroy!"

Charlie Rod
Verified Customer · Auto Direct
★★★★★

"I called just asking questions about refinancing my vehicle and Mike Wells took the time to share so much helpful information with me. I was surprised he gave me that much attention over the phone. With his guidance, I was able to get my car refinanced with a lower monthly payment and interest rate. Thanks so much!"

R. Hill
Verified Customer · Auto Direct
★★★★★

"Leroy ensured I had an amazing vehicle purchasing experience. He was professional and knowledgeable from start to finish, communicating effectively and addressing every question in a very timely manner. I would highly recommend Auto Direct to family and friends and will absolutely continue to do business with them in the future!"

M. Lloyd
Verified Customer · Auto Direct
97.3% Approval Rate

Budget-Friendly Payment Plans

We find payment plans that fit your monthly budget.

Flexible Budgets

Payment plans tailored to your monthly income

Build Credit Fast

Improve your credit score with every payment

Quick Approval

Get approved in as little as 24 hours

256-bit SSL Encryption No Impact on Credit Score Instant Decision
Fast-Track Application
Secure Process
97.3% Approval Rate

Why Choose Our Car Loan Service?

Compare and see the difference

Features Our Service Traditional Dealers Banks
Convenience
We connect you with dealers according to your profile
Generic dealer matching
Limited dealer network
Time
Same Day Approval
4-6 weeks approval process
2-3 weeks waiting
Offer Duration
6 months offer validity
30 days or less
60-90 days
Delivery
Free delivery to your door
Pick up only
Dealer pickup required
Interest Rates
From 4.99% – Lowest possible rates
8-15% average rates
6-12% rates
Get Your Pre-Approval Now

Join thousands of satisfied customers · 97.3% approval rate

The Approval Grid

1.

Bankruptcy Car Loans

Discharged or undischarged. We get you driving.

2.

$0 Down Options

Hundreds of 0 down cars available.

3.

New or Limited Credit Profile

No credit history? No problem. Start building today.

4.

Bad Credit / Consumer Proposal

We look at your future, not your past.

Our Process

Your Journey to a New Car

Follow our simple 3-step process to get behind the wheel of your dream vehicle

1
Step 1
2
Step 2
3
Step 3
🚗

Choose Your Car

Browse our extensive inventory of premium vehicles. Filter by make, model, budget, and features to find your perfect match.

Key Points:

  • Access to 500+ vehicles
  • Real-time availability
  • Detailed specifications

Get Pre-Approved

Quick and easy online application. Get approved in minutes with our streamlined credit check process — no impact on your credit score.

Key Points:

  • Instant pre-qualification
  • Flexible financing options
  • Transparent pricing
🎉

Drive Away Happy

Complete the simple paperwork and drive off in your new car. Your assigned Finance manager will handle all the details including insurance and registration.

Key Points:

  • Same-day delivery
  • Secure transaction handling
  • Post purchase support
Why Choose Us

Why Choose Us?

Fast, secure, and customer-focused auto financing for all Canadians

Fast Approval

Get approved in minutes

Low Rates

Starting from 2.9% APR

Secure Process

Bank-level security

$2,000 Trade-In Bonus

Maximize your trade-in value

Get Your Car Now!

We makes it easy to find a car, get pre-approved for financing, and find insurance—all from the comfort of your home.

Call us to get Pre-Approved at 919-421-4084

Fast Pre-Approval

Get pre-approved in minutes and move forward without delays.

Flexible Loan Terms

We offer repayment plans tailored to your budget, making your loan manageable.

Transparent Process

No hidden fees or surprises. Everything is clear from start to finish.

Get Started
Car Image

Frequently Asked Questions

We've got answers to your questions

How much can I borrow?

You can borrow based on your income, credit profile, and the value of the vehicle. Our financing options range from a few thousand to over $80,000 depending on your situation. Apply online to get a personalized estimate in minutes.

Can I apply with bad credit?

Absolutely. We specialize in helping Customers with all credit types — including bad credit, no credit, bankruptcy, and consumer proposals. Our 97.3% approval rate speaks for itself. We look at your future, not just your past.

What is Auto Credit Now Easy Finanicing?

Auto Credit Now Financing is our streamlined loan process designed to get you behind the wheel fast. We match you with the right dealer, handle the paperwork, and deliver your car to your door — all with no Hard Pull Required to Check required to check eligibility.

What is the interest rate?

Our rates start as low as 4.99% and we always aim to secure the lowest possible rate based on your credit profile. Rates vary depending on loan term, vehicle type, and credit history. We guarantee full transparency — no hidden fees.

Start Your Approval Journey Today

Safe, transparent, and fast. Check your eligibility in seconds — with zero impact on your credit score.

Start Your Approval