Bad Credit!

You can buy a car regardless of your credit!


If you  have a bankruptcy

and need a car, no problem!

No Credit!

Even if you have no credit 

and need a car, we can  help!

How does it work?

Get Quick Approval on Used Car Loans – How does it work?

Refresh Auto Credit is a leader in Buy Here Pay Here. The reason is simple: We take great care of our customers, we help you with funding when everyone else turns you down, and our short and long term loans give you the opportunity to OWN the car you buy!

Will loaning with Refresh Auto Credit help me fix my credit?

Yes, we specialize in helping people in a bad situation get put in a better one! The first step would be getting a loan with Refresh Auto Credit. Making sure you pay on time every single month. Then the next step, when you are ready to upgrade to a new car we will use your payment history with us to secure Tradition Bank Financing! 


How long does it take?

The quickest way to know exactly how we can help is to visit one of our awesome locations and spend 5-10 minutes and complete a credit application. We do not care about your credit, and approval is easy! We have a zero-pressure sales process because our #1 goal is to help you succeed!


How do I get Approved?

The process is simple, just come to one of our dealerships or Apply Online to get started on getting a customized approval. This goes without saying, but it is very important and required that you can afford a payment within your situation and budget. You have the option to upgrade your car if you can afford the payments and down payment. We are very motivated to help our customers succeed and would never put them in a bad situation with a payment they can’t afford.

Schedule an appointment today to come into the nearest location to get you started on the road to your new car purchase!


What should I bring in to get a quick approval on used car loans?

There are several important and easy things: driver’s license - yes we accept Tax ID forms, or driving privilege permit cards, proof of address (utility bill), and some sort of pay stub showing your income.  You can also get these later, but this will save you time to bring them in advance. If you don't have some of these things, that's fine! We can help!