All Credit Auto Lending

Connecting buyers with Local Lenders and Dealers. We provide nationwide lender-dealer connections for people who are searching for new or used car loans in the U.S. and Canada. It’s easy to start the process today from the comfort of your home.

Welcome to All Credit Auto Lending!

Quick & Easy Application

Complete our safe and secure application today. Remember, our service is free to you.

All Credit Situations

No matter your credit situation, we are here to help.

Calculate your Loan

Calculate your loan with our easy to use Auto Loan calculator.

What We Offer

We believe everyone deserves a reliable car, truck, SUV or van. To get the vehicle they need, most people need to get financing. That’s where we come in. We specialize at getting the right financing for pretty much everyone – no matter what their credit looks like.

Life can be difficult without a vehicle you can count on. If you need a vehicle but aren’t sure whether you’ll qualify for financing, you’ve come to the right place. If you’re lucky and your credit is in great shape, we can connect you with a quick loan at very competitive terms. On the other hand, if you’re like lots of people and have a few dings in your credit history, please don’t worry. We offer plenty of financing options for people just like you. So go ahead…give us a chance to prove that we truly can provide car loans for everyone. Apply Now or if you’d like more information feel free to explore a bit further.

All Credit Auto Lending Offers 100% Application Acceptance Guarantee.

We commit to a standard of excellence that is above all else..

We connect you, the consumer, with the best lenders and auto dealers in the market.

We respect you and your information and commit to always doing the right thing.

We strive at keeping an entrepreneurial spirit and staying competitive by always improving our services.

Our Work Flow Process

Submit Application

Review our information, then submit an application. Once this happens we get to working for you.

Connect You with Partner

Once we receive your application, We will review your information and connect you with a qualified dealer/lender partner.

Partner Dealer/Lender

Once received be our partner dealer/lender, they will contact you (within 24 hours) to ask any further needed questions and scheduale a time to meet with you.

Frequently Asked Questions

Company Questions

Why should I use your company?
We believe people with all types of credit should receive the same opportunities when it comes to purchasing a car. Our company will match you up with the lender or dealer partner that can help you easily secure an auto loan as well as the vehicle of your dreams.
Is my information safe and secure?
Yes, all information we receive is secured through our own servers. Also, our website and loan application is protected with the latest online security technologies designed to deter criminals and identity thieves. When you work with us, you’re guaranteed safe.
What states do you offer your services in?
We offer our services in all 50 states and Canada.
Why do you need my social security number?
We are required to ask for your social security number to be able to match you with a loan through our network partners.
Are you a Bank?
No, we are better than a bank. We are a team of professionals with many years of experience in the auto industry. We have created a nationwide customer connection network in which we match you, the customer, with one of our nationwide dealer/lender partners who best match your needs. Many of our partners are experienced in helping people with challenged credit histories.

Finance Questions

What are the minimum requirements to get a loan?
You must be at least 18 years old to get a loan with a minimum of 1500 dollars monthly income. You must be a U.S. citizen with a valid driver’s license.
How much of a loan would I qualify for?
Down payment is based on a number of factors including your debt to income and credit profile. We have lenders that offer a range of down payments options which can include zero money down. Our advice is to save at least 10% of what you are looking to spend as a down payment.
I have a trade-in, how are those handled?
Trade-ins are handled through our dealer partners. Once they contact you, they will make arrangements to be able to check the car and get a proper value for it. If there is a pay off amount, please inform them of that as well.
How much money do I need for a down payment?
First, you fill out an application through our site. Make sure all your information is accurate as inaccurate information can delay the loan process or even purge you from the system.

Second, shortly after you have submitted your application, you will receive an email notifying you we have received your application and it has been accepted and successfully match with one of our network lender/dealer partners.

Within 24-48 hours a representative with the lender/dealer will be contacting you to verify your information and set an appointment to come in.

What would my monthly payment be?
Monthly payments vary depending on the amount of the loan, how much money you plan on putting down, the type of car you are purchasing and your credit profile. Typically, newer, lower mileage cars qualify for lower payments and the more money you put down in the beginning also will help to lower your payments.

Credit Questions

I have bad credit, can I still qualify?
Yes, you still can qualify. We have partners that help with all types of credits. What will do you is match you to the best partner that can work with your profile.
What if I have a repossession on my credit?
Having a repossession on your credit will not disqualify you for an auto loan but you will have more requirements to reach. If you have a repossession within the last year, most lenders will require a larger down payment and limit the type of cars you can purchase
I have never used my credit or I have no Credit; Can I get approved?
Yes, you can, the majority of our partners have loans specifically tailored for first time buyers and people with no prior credit history. Once one of our partners has been matched with you, they will be able to discuss the loan.
If I have charge offs, will that disqualify me for a loan?
No, it will not disqualify you but it can make acquiring a loan more difficult. Depending on the amount charged off and how long ago it was charged off effects the loan factors.
Can I still get qualified if I am self-employed?
Yes, you can. Most of our lender/dealer partners require your prior 3 months bank statements to show income deposited and/or your prior years’ W2.
All Credit Auto Lending is committed to creating the best experience possible for you during your application process. If you do not see an answer to your questions, please feel free to email us with your question. Once we receive your response, One of our representatives will contact you with an answer shortly thereafter.

Who is All Credit Auto Lending?

All Credit Auto Lending was founded on the idea everyone, no matter their credit history, should have the same chance at purchasing a vehicle. The All Credit Auto Lending team wanted to make the car buying process as quick and easy as possible by matching the consumer with the right auto dealer or lending institution.

All Credit Auto Lending was founded by a group of auto industry professionals, ranging from car dealership owners to finance and bank managers, who specialized in the sub-prime lending market. The founders realized that not all banks and dealerships were created equal for the bad credit and no credit consumers. They decided to pull their knowledge together to start a company that would make it easy for people with all types of credit to get auto lending. This is how All Credit Auto Lending came to be.

No matter what time of day, you can access tools that will better help you gain knowledge of the auto industry. All Credit Auto Lending provides you, the consumer, with a vast array of automotive tools to help gain better knowledge of the car buying process. Our auto finance application was designed to be quick and easy to fill out.

Best of all, all of our services are FREE to use. If you are looking to purchase a car and have been looking for that company that can make the car buying process as painless as possible, we invite you to fill out an application and apply today.


My divorce left my credit in a bad situation. After going to a couple dealerships and getting denied, I decided to fill out an application on All Credit Auto Lending.  Before I knew it, I was contacted by a representative who helped me get into a car. Thank you All Credit Auto Lending. Charlie K.

“I put my application in through All Credit Auto Lending and heard back from a representative the same day!” Susan J.

“The time I save by not having to run around and look for financing was incredible. I was at a dealership purchasing the next day!” Jarvis G.

“Thank you All Credit Auto Lending for helping me and my family get financing for the van we desperately needed.” Jose M.

“I filled out an application and shortly after I was contacted by a dealership who understood my needs and helped me get into a car I could afford.” Halie U.

“I just graduated College and have never bought a car before. After filling out my application through All Credit Auto Lending, I was able to easily purchase a car.” Robin P.

Don't Be Shy

Apply today and let us get started working for you!