Bad Credit Loans in Fayetteville, TN

What is a bad credit auto loan?

A bad credit loan is just what it sounds like: financing for shoppers with bad credit. When conventional lending institutions like credit unions, banks, or auto manufacturer lending companies won’t approve your loan, you can get approved with a bad credit loan from our dealership. Usually, bad credit loans start off being funded by a dealership; later the loan will be assigned or sold to a finance company.

Can I qualify for a bad credit vehicle loan?

Getting approved for a bad credit loan is simple. All applicants must:

  • Have proof of at least $1500/month income
  • Be employed full-time or have a guaranteed fixed income for the duration of the loan
  • Be a current resident of Tennessee
  • Have a valid phone number and proof of residence (utility bill, credit card statement, etc.)
  • Be an American citizen or legal resident
  • Ability to purchase an auto insurance policy (or proof of current coverage)


Does anyone not qualify for a bad credit loan?

Shoppers who are employed temporarily or seasonally, paid “under the table” without proof of income, and military members currently stationed outside of North America cannot qualify for a bad credit auto loan.