How does the program work?

In today’s economic times a lot of people are struggling financially and keeping up with their everyday payments. There are many factors that may lead to non-payments over time that could affect your credit score and ability to borrow money. Just because you may have bad credit doesn’t mean a person shouldn’t have the opportunity to correct their past financial situation and rebuild their credit trust with lenders. Credit Acceptance understands that good people can incur bad credit. We have teamed up with Credit Acceptance which will allow you to purchase a better vehicle than you would pay cash for. Additionally, we can help you increase your credit score by making on-time payments on your automobile loans, as Credit acceptance reports to all major credit Bureaus.

Down Payment: Cash or Trade-Ins!!

A lot of lending partners require some kind of down payment. If you do not have a down payment a trade is considered money down!! Down payment amounts  is typically the driving factor that could either increase or lower your monthly payments.

Try to Avoid Buy Here Pay here!!

Some people might read the heading “Guaranteed Credit” and think that we are a buy here pay here used car dealership, which is FALSE! When getting approved for a car you will be making payments directly to Credit Acceptance which is a lending company. Buy here pay here places do not restore your credit as they don’t report to the credit bureau when you make monthly payments. Before going that route give us a try at getting you into a vehicle.


I’ve had a repossession. Can I still get approved?

Yes! Even if your repo was yesterday, we will get you approved for a loan.

How Much income do I have to prove?

The minimum is $800 per month, before taxes are taken out.

What Types of income is acceptable to get approved?

  • Paystubs
  • Unemployment
  • Fixed Income- Such as SSI, SSD
  • Workers Comp

I’ve had a bankruptcy. Can I still get approved?

Yes! Even if your bankruptcy was discharged yesterday, we will get you approved for a loan

What if I’m Self-Employed?

That is fine, as long as you can prove your income with bank statements showing deposits, or canceled checks that you received.