Auto Financing for Bad Credit, Rebuilding Credit & More
Credit challenges should not stop you from driving. Start online and explore automotive financing opportunities through participating finance sources.
Keeping America Driving One Approval At A Time.
One request. More possibilities.
Tell us a little about yourself and begin exploring automotive financing opportunities.
Provide the information needed to evaluate available financing options.
Your information may be evaluated through participating finance sources.
A participating dealership can help you determine the next step.
Pre-qualification is not a final credit approval or guarantee of financing. Final terms are subject to lender underwriting, verification, vehicle eligibility and other requirements.
Financing should open doors, not make you feel shut out.
Whether you are rebuilding after a setback, establishing credit for the first time or simply looking for a clearer path toward your next vehicle, Keep America on Wheels is designed to help you start the conversation.
Credit Challenges Welcome
Past credit issues do not necessarily have to end the conversation. Different finance sources evaluate applicants using different programs and criteria.
More Than One Financing Path
Instead of assuming that one lender tells the whole story, your information may be evaluated across participating automotive finance programs.
Focus on What Fits Your Budget
Financing is about more than obtaining a yes. The goal is to find a vehicle and financing structure that make sense for your circumstances.
New or Pre-Owned
Depending on the finance source and final approval, financing may be available for qualifying new or pre-owned vehicles.
Start Before You Visit
Begin the financing conversation online so a participating dealership can spend more time helping you find the right vehicle.
Human Help When You Need It
Experienced automotive professionals can help explain lender requirements, documentation and the steps needed to complete the process.
Three steps toward your next set of keys.
Start online, explore possible financing options and work with a participating dealership to complete the process.
Tell Us About You
Complete the secure pre-qualification experience with the information requested to begin evaluating available options.
Explore Possible Financing
Participating finance sources may evaluate your information under their own programs and credit criteria.
Finish With a Dealership
Final approval, documentation, vehicle eligibility and transaction terms are completed with the applicable dealership and finance source.
Your credit story is only one part of the picture.
Automotive financing decisions can involve multiple factors beyond a credit score alone. Eligibility may depend on the complete application, finance source requirements, income, debt, down payment, vehicle selection and other underwriting considerations.
Know what to expect before you begin.
Is Keep America on Wheels a bank or lender?
No. Keep America on Wheels helps consumers begin the automotive financing process through participating dealerships and finance sources. Credit decisions, rates, terms and approvals are determined by the applicable finance source.
Can I apply if I have bad credit or limited credit?
Yes. The program is designed for consumers across a wide range of credit situations, including customers who are rebuilding credit or have limited credit history. Approval is not guaranteed, and underwriting requirements vary by finance source.
Does pre-qualifying affect my credit score?
Credit inquiry treatment depends on the specific pre-qualification and lender process. A subsequent full credit application or lender underwriting may involve an additional credit inquiry. Review the disclosures presented in the application before submitting your information.
Is pre-qualification the same as final approval?
No. Pre-qualification is an initial evaluation. Final approval may require a complete credit application, identity and income verification, lender stipulations, an eligible vehicle and satisfaction of other underwriting requirements.
Do I need to know which vehicle I want before I start?
No. You can begin the financing conversation first. A participating dealership can then help identify qualifying vehicles that may fit your financing parameters, budget and transportation needs.
Can I finance a new or used vehicle?
Potentially. Vehicle eligibility varies by finance source and may depend on price, age, mileage, loan-to-value and the final structure of the transaction.
What information may I need?
Automotive financing requests commonly ask for personal contact information, housing details, employment and income information, and identifying information needed for credit and identity verification. Exact requirements depend on the application and finance source.
Ready to put your next approval in motion?
Start online, explore what financing opportunities may be available and work with a participating dealership to take the next step toward the right vehicle.
Keeping America Driving One Approval At A Time.
Important: Keep America on Wheels is not a lender and does not make credit decisions. Financing is subject to credit approval by participating finance sources and may not be available in all circumstances. Rates, terms, down payment requirements, vehicle eligibility and lender stipulations vary based on applicant qualifications and other factors.
Pre-qualification does not guarantee final approval, financing, a particular annual percentage rate, payment, loan amount, lease approval or vehicle. Final approval may require a complete credit application, verification of identity, residence, employment and income, and satisfaction of all applicable finance source and dealership requirements.
Final disclosures should be reviewed and approved by Nielsen Automotive Group, 700Credit, participating finance sources and appropriate legal or compliance counsel prior to publication.
