We do not originate loans, and, therefore, we do not do in-house financing. We do not offer financing for private purchases either. What we do is connect car buyers to a dealership in their area that specializes in helping people with lower credit scores. When you apply through us, we match you with a local dealer within our network that feels confident they can work with your situation.

Most lenders that provide financing to people with subprime credit are indirect lenders. They only purchase finance contracts from the licensed auto dealerships they are signed up with. Smart Car Loan makes the process of finding one of these dealerships easy and hassle-free.