Bad credit car loans · New Jersey

Bad credit? You can still drive home today.

Scores under 500, late payments, collections - our partner dealers work with subprime lenders who say yes more often.

Start here - takes 60 seconds

Tap your monthly budget

Continue

No SSN · no credit hit

How Eric helps with bad credit

Lenders that look at your job, not just your score. Income and time on the job matter more.
Down payment as low as $500 on many cars.
On-time payments are reported so your score can climb while you drive.
One application, many lenders through RouteOne and DealerTrack, so you hear more yeses with one visit.

Westlake
Credit Acceptance
Exeter
CPS
+ more

Placeholderlender names to be confirmed per dealer before launch

Under $300/mo, bad credit OK

All 45 →

New arrival1/16
2018 Acura MDX SH-AWD
162,064 mi · $11,250
$234/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/8
2014 Jeep Grand Cherokee 4WD 4dr Altitude
124,859 mi · $10,995
$228/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/15
2018 Jeep Wrangler Unlimited Sport S 4x4
126,841 mi · $12,999
$273/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
Photo coming soon
New arrival
2019 Nissan Altima 25 SL Sedan
101,434 mi · $13,995
$296/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/14
2016 Volvo XC90 Hybrid AWD 4dr T8 Inscription
68,032 mi · $13,595
$287/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/11
2021 Nissan Sentra SR CVT
133,962 mi · $7,995
$160/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/13
2019 Chevrolet Trax AWD 4dr LT
84,776 mi · $8,200
$164/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit
New arrival1/14
2017 Mazda CX-5 Grand Touring AWD
90,515 mi · $13,995
$296/mo est.
$1,000 down, 72 months at 17.9% APR. Example only, with approved credit.
Orange, NJAll credit

Payments are estimates before taxes and fees, not an offer of credit. Lenders set the real rate.

Bad credit questions

What credit score do I need to buy a car in NJ?

There is no single minimum. The lenders our dealers work with approve scores under 500 when income, time on the job and down payment fit.

Will checking my options hurt my credit?

No. Pre-qualifying asks for no SSN and runs no credit check. Your credit is only pulled later, with your permission, when you apply for a specific car at the dealer.

How much down payment do I need with bad credit?

Many cars start at $500 to $1,500 down. A bigger down payment lowers your monthly payment and can help approval.

Can I get a car after a repo or bankruptcy?

Often, yes. Lenders look at how long ago it happened and what your income looks like today. Tell Eric your story and he will match you with the right lender.

Bad credit? You can still drive home today.

How Eric helps with bad credit

Under $300/mo, bad credit OK

2018 Acura MDX SH-AWD

2014 Jeep Grand Cherokee 4WD 4dr Altitude

2018 Jeep Wrangler Unlimited Sport S 4x4

2019 Nissan Altima 25 SL Sedan

2016 Volvo XC90 Hybrid AWD 4dr T8 Inscription

2021 Nissan Sentra SR CVT

2019 Chevrolet Trax AWD 4dr LT

2017 Mazda CX-5 Grand Touring AWD

Bad credit questions

Other situations we help with

Under $300/mo, bad credit OK

2018 Acura MDX SH-AWD

2014 Jeep Grand Cherokee 4WD 4dr Altitude

2018 Jeep Wrangler Unlimited Sport S 4x4

2019 Nissan Altima 25 SL Sedan

2016 Volvo XC90 Hybrid AWD 4dr T8 Inscription

2021 Nissan Sentra SR CVT

2019 Chevrolet Trax AWD 4dr LT

2017 Mazda CX-5 Grand Touring AWD

Bad credit questions

Other situations we help with