HASSLE-FREE FINANCING

At J & J Used Auto, we make car buying easy and enjoyable, even if you have credit challenges. With our Guaranteed Credit Approval and subprime financing options, we tailor solutions to your financial needs, helping you drive away with your dream car.

UNDERSTANDING OUR GUARANTEED CREDIT APPROVAL PROGRAM

WHAT IS GUARANTEED CREDIT APPROVAL?

Guaranteed Credit Approval at J & J Used Auto means a commitment to every customer that they can obtain financing for their car. We are committed to finding a loan that works for you, regardless of your credit score.

WHO IS ELIGIBLE?

J & J Used Auto welcomes applicants with various credit backgrounds. Our program is designed for those with bad credit or no credit, offering tailored financing solutions to help you secure the vehicle you need.

FAST AND EASY APPROVAL PROCESS

We’ve streamlined our application process to be quick and hassle-free. You can get pre-approved online in minutes, bringing you one step closer to your dream car.

CATERING TO ALL CREDIT HISTORIES

Our team specializes in finding financing solutions for all credit situations. We work with various lenders to ensure we can accommodate your specific needs.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT APPROVAL

WILL IT HELP IF I HAVE A CO-SIGNER ON THE LOAN?

Having a co-signer with good credit can enhance your chances of getting pre-qualified. It can provide additional assurance to lenders, potentially leading to better loan terms.

CAN I GET A LOAN IF I HAVE A REPOSSESSION?

Many of our customers have had repossessions in the past. Our goal is to help you re-establish your credit and obtain reliable transportation. We work with understanding lenders who consider your current financial situation.

CAN I GET A LOAN IF I HAVE A BANKRUPTCY?

Whether you have an open/discharge Chapter 7 or an active Chapter 13, we collaborate with lenders specializing in auto loans for individuals in these situations. We aim to help you navigate these challenges to secure a loan.

DO I NEED A DOWN PAYMENT?

We offer several programs that allow you to put zero money down. These options are designed to make vehicle ownership accessible, even if you cannot make an upfront down payment.

HOW MUCH INCOME DO I NEED TO GET A CAR LOAN?

The typical minimum income requirement to qualify for a car loan is about $1,800 monthly. However, this can vary depending on the lender and your credit circumstances.

EASY ONLINE APPLICATION

Discover the convenience of our process. Fill out our online application form and get pre-approved in minutes.

GET PRE-QUALIFIED TODAY

Ready to take the next step towards owning your dream car? Click here to fill out our simple and secure pre-qualification form. Our finance team will review your information and get back to you with the best financing options available for your situation.

HAVE QUESTIONS? CONTACT US

Our dedicated team is here to help with any questions or concerns you may have. Fill out our contact form, call us at 517-879-2253, or visit us in person for a more personal experience. One of our friendly staff members will happily assist you and contact you shortly.