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Interest Rates are near Historical Lows!

Loans for Consumers with Good and Bad Credit

A critical success factor (CSF) for purchasing a vehicle is to do your homework regarding your credit history and auto loan interest rates. Do not go into a dealership show-room without being armed with this knowledge.

The worst mistake you can make is to buy a car on the spot and rely solely on the dealerships financing. For dealerships, auto financing provides a significant source of their profits and the deal they offer will be with their best interest in mind rather than that of the consumer.

You need to realize that once the price of the car is agreed upon, you have every right to obtain your own financing. Don't let the dealership pressure you into using their financing department. If they do insist that you use their own financing, you have every right to walk away.

While the interest rate is the primary variable in the monthly payment calculus, you must also focus on the term of the loan. For example, a loan that is extended out five years or 60 months, will have a cheaper monthly payment that a loan for the same amount paid over a short term. For example, if a loan is offered at 7% for four years (48 months) and the monthly payment might be $200 (obviously depending on the purchase price of the car. A loan officer could offer a seemingly lower monthy payment of $180 that actually includes a higher interest rate. For example, a loan officer could charge you 8% but extend the term of the loan out to six years (72 months).

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Now there's a way to get financing for a new or used car even if you have had bad credit. With our Special Finance Auto Dealer Associates, there is no hassle, no waiting, and no pressure. In fact, you can submit a financing request online! We're the experts on bad credit, so let us make it easy for you.

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country:  USACanada
 
Nationwide our service has closed over 1 Billion Dollars Dollars in special finance auto loans for over 116,000 people with bad credit. We're the only company processing special finance auto loans inside select new and used car dealerships across America. We overcome most bad credit problems by providing simple, non-threatening services for first time buyers, people with slow pay, repossession, bankruptcy, or no credit.

ACE dealers work with the largest special finance auto loan lenders to ensure each applicant gets the right auto loan based on their credit history.

ACE is not a direct special finance auto loans lender. We are an car buying service for people with bad credit.

"Your finance expert really made a big difference. He was able to evaluate my situation and find a lender to accept me the same day."

Sandra G.,
Sterling Heights, MI
Our Mission

We strive to help consumers who need a helping hand in these trying economic times.

Our technology allows us to match your financial needs with experts who can help you meet your financial goals.