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

Financing your car doesn’t have to be difficult, even if you have bad or poor credit. Thanks to PA Auto Credit, you can get approved for your next car from the comfort of your home with our bad credit auto loans! As a Buy Here Pay Here location, making life easier for our customers is a top priority. You can start the process of getting approved for your low-income auto loans by applying online from your couch. We told you it would be easy!

We offer an accessible Buy Here Pay Here program that simplifies the bad credit auto loan process for residents of Philadelphia, PA, Bucks County, PA, Trenton, NJ, and the surrounding areas. You will have a 99% loan approval rate from PA Auto Credit provided you meet the following criteria: 

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.

  • Employed for at least six months
  • Verifiable net income of at least $300 per week
  • At least one positive credit experience within the past two years
  • Minimum down payment of $299*

*Plus Tax and Tag Fees

Low Income Auto Loans

PA Auto Credit’s Fresh Start Financing is an option that we offer to residents in Philadelphia, PA, Bucks County, PA, Trenton, NJ, and beyond. Poor credit is not an obstacle that we want to impede our customers from getting the car of their dreams, which is why we offer various poor credit car finance options, making it easy to obtain a bad credit auto loan.

We work with you to determine which bad credit car loan works best for you, no matter your financial situation. We consistently work with people dealing with 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 lowest possible down payment that makes it easy for you to apply for a bad credit auto loan. Once you send us your information, we will pull your credit report and share your information with a network of affiliate Peruzzi 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.

Repo Finance Options 

In addition to our bad credit auto loans, PA Auto Credit’s Fresh Start Financing program also includes options for repo loans as a means of helping you get approved for your new car. If your vehicle has been repossessed and you’re worried about how it will look on a credit application, we are here to help. Our repo finance solutions make it easy to obtain loans for your new vehicle from our affiliated partners. PA Auto Credit works with financing departments across all of our affiliate Peruzzi dealerships and can use any repo finance options available to us to help you get the car you’ve had your eye on at a price that works for your financial situation.


Payments Made Easy With Fex Pay

In addition to offering a Fresh Start Financing program and bad credit car loans, we also make it easy to maintain them. We use Fex Pay for you to make your payments online. This system allows you to:

  • Make a one-time payment
  • Set up an automatic payment schedule
  • Print receipts
  • View your account history
  • Make payments separately against all balances.

If you are interested in learning more about our bad credit auto loans, repo loans, and poor credit car finance offerings, we encourage you to reach out to us today by either giving us a call or filling out a contact form. We look forward to helping you get qualified for your next car! 1-800-736-4450

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