Credit Application

Let's Get Started

Looking for a quick and secure way to apply for a car loan in Pennsylvania? Apply for auto financing with PA Auto Credit. It is simple and straightforward, even if you have bad credit! If you're ready to find your next vehicle, follow these steps below and get started on your new journey.

STEP 1- Confirm Your Location

Before you apply, please make sure you live within our approved lending area*. You can refer to the map below to verify eligibility.

*Typically a 40 mile radius ( red circle ) from our Fairless Hills, Pennsylvania location and is sometimes extended up to 70 miles ( black circle ).

Please call us if you live in the "outer band" area. We currently do not serve the states of New York or Delaware.

STEP 2- Complete the Application

Fill out your information using our secure online credit application. It only takes a few minutes and there’s no obligation.

STEP 3- Credit Review & Dealer Match

We’ll review your credit profile and securely share your details with trusted partner dealerships in your area. A representative will contact you to schedule an appointment.

STEP 4- Choose Your Vehicle

Visit the dealership and explore vehicles that qualify for your financing terms. Our partners will help you find the best fit for your needs and budget.

STEP 5- Finalize Your Loan

Once you select a vehicle, the dealer will finalize your documents and submit them to us for quick and easy financing approval.

Please be sure to read our privacy policy by clicking here!

Concerned about bad credit ? At PA Auto Credit, we specialize in helping customers with all types of credit situations. Our goal is to make vehicle ownership possible for everyone. If you’ve been turned down before, give us a try — we’re the bad credit car loan expert in Pennsylvania.

Our experienced team will work with you and our affiliated dealers to help you find a vehicle that suits your needs and budget.