how our system works blogs How Our System Works


How Our System Works!


We have the knowledge and expertise to help you get the auto financing you are looking for. We specialize in helping people with bad credit get excellent loans and establish safe payment plans to help them get rid of debt. If you’re interested in signing up for our services, you should check out how it works! Not only do we provide a free car payment calculator for you to check out, but we encourage you to use it to determine what the right car loan is for you. There are many different types of loans, and lengths of time to pay off that loan. Once you’ve figured out the right amount and length of time, it’s pretty simple from there!



Click ‘Apply Now’!


Once you’re satisfied with your results from our payment calculator, you can click on “Apply Now!” just up above. You will be taken to a form where you can fill out our online car loan application. It only takes a few minutes!

Once you’ve applied, we will begin searching through our large network of lenders and dealerships to match you with the perfect car loan for your situation. We can find the right loan to suit your needs. You will then be approved quickly, and you’ll be on your way to a car lot with the knowledge that you already have the funding you need to purchase the perfect vehicle!

Things to Think About when Trying to Calculate Your New Car Payment


There are a few things you should be aware of when trying to calculate your new monthly car payment. First, you’ll want to determine exactly how much you want your monthly payment to be. Make sure to plan ahead and be extra sure that you can meet the payments each month. Don’t overstretch yourself, but instead be realistic, and consider all of your other financial commitments.

Next, you’ll want to know that most dealerships seem to magically get you into the monthly payment amount you need to buy the car you want. But in reality, it’s not magic - what they’re doing is altering the length of time you’ll be repaying the loan.

That means you can get a lower car payment in 3 different ways:

- By getting a lower interest rate
- By buying a cheaper car (This is our recommendation!)
- By extending out the payments over a longer period of time to lower monthly payments (This can cause more interest on the car than is worth it!)

This is why we recommend that you slow down, use our calculator, adjust some of your payment variables, and find a car that actually meets your needs. The last thing you want to do with bad credit is break the bank!

Apply with Us Today!


With our free online car payment calculator, you can determine just how much you have to spend, and what your monthly payments will be. We don’t want you to get caught in a situation where you end up paying high interest rates or skipping out on monthly payments. With almost 30 years of experience, we have the knowledge and resources to help you get into the perfect car loan. Apply with us today, and you’ll get approved for the perfect payment plan, no matter your credit situation!