How To Qualify for Subprime Financing

Customer searching for car on dealership website

Did you know that subprime auto financing is available to every consumer, regardless of whether they have bad credit or no credit history? Car buyers may qualify for subprime auto finance programs even if they have:


  • Fixed income
  • Multiple open car loans
  • Self-employment
  • Non-related co-signers
  • Bad credit
  • No credit (first-time buyer)
  • Short time in job or residence
  • Temporary employment
  • Bankruptcy Chapter 7 or 13 (with Trustee/Court approval)

If you qualify for subprime financing and need credit approval to purchase a car, an enrolled dealer with Credit Acceptance auto finance program can help you get started.