Fresh Start Financing and Bad Credit Auto Loans from PA Auto Credit


About Our Program


Financing your car doesn't have to be difficult, even if you have poor or bad credit. Get approved for your next car from the comfort of your home with PA Auto Credit. Experience life made easy by PA Auto Credit, a Buy Here/Pay Here location. Most dealers agree that making life hassle free for their PA customers would be ideal, but for PA Auto Credit, a Buy Here/Pay Here location, it is our top priority. Start your car loan approval from the comfort of your home or office by applying online. Now that’s easy!

We offer our Buy Here Pay Here Program and simplify the bad credit auto loan process for residents of Philadelphia, PA, Bucks County, PA, Trenton, NJ and each of the communities surrounding those areas.

Remember: if you have been employed in PA for at least 6 months and have a verifiable net income of at least $300 per week, and at least one positive credit experience within the past two years and the minimum down payment of $299* then you have a 99% car loan approval rate from PA Auto Credit! Once you are approved, we make paying easy with the ability to pay online.

Low Income Auto Loans

At PA Auto Credit, our Fresh Start Financing is an option that we make available to residents of Philadelphia, PA, Bucks County, PA, Trenton, NJ, and the communities surrounding those areas.

For our customers, bad credit is not an obstacle that will impede you from getting the car of your dreams. We make it easy to obtain a bad credit auto loan.

We work with you to determine which auto loan works best for you no matter what your financial situation may be. We consistently work with people dealing with issues such as going through a divorce, discharged bankruptcy, tax liens, judgments and foreclosure. With our quick approvals, you can rely on us to help you leave our lot with a vehicle.

At PA Auto Credit, we believe that every driver should be able to buy a car. We provide you with the possible lowest down payment and make it easy for you to apply. Once you send us your information, we will pull your credit report and share your information with a network of affiliate auto dealers who will reach out to you. They will then help you pick out a qualifying vehicle, finalize everything and send us your paperwork for financing.

In addition to offering a Fresh Start Financing program and low income auto loans, we also make it easy to maintain them. We use Autostar PortalPay for you to make your payments online. This system allows you to make a one-time payment or set up an automatic payment schedule. You can also print receipts, view your account history and make payments separately against all balances.

If you are interested in learning more about our low income and bad credit auto loan offerings, we encourage you to reach out to us today by calling us or filling out a contact form. We look forward to helping you get qualified for your next car!

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