Club Auto Credit | (855) 542-4840
About Club Auto Credit

(855) 542-4840

Financing help for good people with bad credit scores

Car Loans for Good People with Bad Credit Scores!

Loan Approvals Based on Verified Income - Not Credit Scores

Here's how it works:

The Club Auto Credit program is a unique and improved way to buy a used car as compared to a typical car dealership transaction. Here are the differences:

  1. The first major difference is your credit score does not matter and does not play a role in the car loan approval process. The main qualification for approval is your verifiable income and proof of residency.
  2. The second major difference is that your choice of a specific car is very limited. Unlike the traditional shopping methods, the finance company will only approve one or two vehicles for you. Many factors come into play; the car must have a specific ratio of blue book value to current market value. The vehicle must have acceptable miles, condition, and be certifiable. It must be affordable for you based on your income, down payment, weekly payment and term of the loan. A multitude of combined factors reduce down to a very small number of vehicles that the bank will actually finance for you.
  3. The way to envision the limited vehicle choice is this: just think of renting a car. When renting a car, most people make a reservation for a type and category of car given how much they can afford. When they arrive at the rental agency, they are given a car that fits their needs. The Club Auto Credit program is very similar. Club Auto will qualify you based on a category of car (sedan, SUV, minivan, work truck) and affordability - (based on your income - how much down payment, weekly payment, and how long the term of the loan). The combination of the vehicle category and affordability will dictate the car. The majority of loans are between 1 and 3 years.
  4. All cars are inspected and certified as safe for the road and certified as reliable transportation. However, they are not perfect - they are used cars with some dings and scratches and a few minor imperfections. But they are safe and reliable and will provide you with solid transportation until you get your credit re-established. You can't be too fussy. This program is designed to give you reliable and affordable transportation. Like the old expression says: You can't expect "champagne" on a "beer" budget. But you will get the best "beer" possible!!

Paperwork we'll need:

Here are the documents you will need to provide us:

  • 2 recent paystubs verifying your income
  • Proof of residency - copy of a utility bill or bank statement.
  • Full Insurance coverage on the car
  • Fax 203-569-6577 or scan and email to: paperwork@clubautocredit.com

Ready to get pre-qualified? Get started below!

Financing Through Club Auto Credit

Auto Loans in Stamford, CT from Club Auto Credit

General Information

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Privacy Policy Agreement

By submitting this electronic form I certify that everything stated in this application is correct and that I have read, understand, and agree to the Privacy Policy.
I authorize the seller, its agents, assigns, and other financial institutions to check my credit and employment history and to answer questions others may ask about my credit record with the Lender in order to evaluate the financing options that can be provided. I understand that I must update credit information at the Lender's request if my financial condition changes. I have also read and fully understand the disclosures specific to my state of residency.

Detailed Information

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Employment Information

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* Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.

Previous Employment Info

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State Required Disclosures

CALIFORNIA RESIDENTS: A married applicant may apply for an individual account.

MAINE RESIDENTS: Consumer reports (credit reports) may be obtained in connection with this application. If you request, the creditor will inform you: (1) whether or not consumer reports were obtained, and (2) if reports were obtained, the names and addresses of the consumer reporting agencies (credit bureaus) that furnished the reports. You have the right to choose the agent and insurer for the insurance required by this transaction, but the insurer must be approved by the creditor.

NEW YORK RESIDENTS: A consumer credit report may be requested in connection with this application or in connection with updates, renewals, extensions or enforcement of any credit granted as a result of this application. Upon your request, the creditor will inform you whether or not a consumer credit report was requested, and if so, the name and address of the agency that furnished such report.

OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

RHODE ISLAND RESIDENTS: A consumer credit report may be requested in connection with this application.

VERMONT RESIDENTS: I authorize the creditor to obtain credit reports on an ongoing basis about me from credit reporting agencies in connection with this extension of credit transaction. The creditor may obtain credit reports about me on an ongoing basis in connection with this extension of credit transaction for any one or more of the following reasons: (1) reviewing the account; (2) increasing the credit line on the account; (3) taking collection action on the account; or, (4) any other legitimate purposes associated with the account.

WASHINGTON RESIDENTS: Please advise us if the creditor should investigate your credit references and/or credit history under another name.

MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral settlement agreement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision.