Published on 24 August 2013 Hits: 1783

Car Loan Repayment Help Center

Auto Loan Quote


What happens if I cannot afford my payments?


You may have finally come to the realization that you can no longer afford your current car truck or SUV loan, leaving you in a situation that's very frustrating.  However, there are options available to you short of getting your auto repossessed and ruining your automotive credit.


At Auto Credit Financial USA we have plenty of resources available to assist and help you.  We can get you pre-approved for financing, we can try to get your current payment lowered and we can help you apply for an emergency repayment loan.  We can also help get you a new vehicle altogether.  Apply online with us and let us help you solve your automotive financing problem.

Auto Credit Financial ®

Auto Credit Financial  

Emergency Auto Loan Repayment Options

Buying and Selling a Car to Get Control of your Debt.


Auto Credit Financial can assist you with your repayment loan application. Please click here to apply to lower your car payment or get pre-approved for a new loan and get the new car that will assist you and your family in today's economy.




  Auto Credit Financial ®

 a Mark Hergert Company 2014-2015

Published on 24 August 2013 Hits: 5210

Special Finance Lender Directory

Credit Acceptance Corp
25505 W. Twelve Mile Road, Suite 3000
Southfield, MI 48034
Dealer Contact Form
Phone: 800-873-0512
Site: Visit Web Site
Get More Information
1st Investors Financial Services
675 Bering Drive, Suite 710
Houston, TX 77057
Phone: 888-622-9210
Site: Visit Web Site
722 Redemption
7901 Vine Street, Suite 200
Cincinatti, OH 45216
Phone: 888-721-2800
Site: Visit Web Site
AFS Acceptance LLC
101 NE 3rd Avenue, Suite 2000
Fort Lauderdale, FL 33301
Phone: 877-223-3254
Site: Visit Web Site
American Credit Acceptance
340 East Main Street, Suite 500
Spartanburg, SC 29302
Phone: 866-441-0251
Site: Visit Web Site
American General Auto Finance
2768 Eastern Blvd, 
Montgomery, AL 36117
Phone: 800-457-3741
Site: Visit Web Site
AmeriCredit Financial
4001 Embarcadero, 
Arlington, TX 76014
Phone: 888-556-4616
Site: Visit Web Site
Automotive Credit Corporation
26250 Northwestern Highway, 
Southfield, MI 48076
Phone: 800-810-2202
Site: Visit Web Site

Auto Credit Financial Services (ACF) 

75-5737 Kuakini Hwy Suite 202

Chamber of Commerce Center

Kailua-Kona,HI 96740                  Auto Credit Financial

Phone: 866-554-8322
Site: Visit Web Site

 Capital One Auto Finance    
3901 Dallas Parkway, 
Plano, TX 75093
Phone: 800-227-3863
CAR Financial Services, Inc.
600 Westpark Drive, 
Peachtree City, GA 30269
Phone: 877-570-8857
Site: Visit Web Site
Chase Custom Finance
201 N. Central Avenue, 19th Floor
Phoenix, AZ 85004
Phone: 800-223-5050
16355 Laguna Canyon Road, 
Irvine, CA 92618
Phone: 800-304-6812
Site: Visit Web Site
Crescent Bank & Trust
1000 Veterans Blvd, Suite 100
Metairie, LA 70005
Phone: 800-264-4381
Site: Visit Web Site
Drive Financial Services�
8585 N. Stemmons Freeway, Suite 1100
Dallas, TX 75247
Phone: 888-540-5626
Site: Visit Web Site
Exeter Finance Corp.
222 W. Las Colinas Blvd., Suite 1800
Irving, TX 75039
Phone: 877-393-8379
Site: Visit Web Site
EZ Dealer Finance
8998 RT. 18 N., Suite 210
Old Bridge, NJ 08857
Phone: 866-343-6714
Site: Visit Web Site
Fifth Third Alternative Finance
925 Freeman Avenue, MLD 009014
Cincinatti, OH 45202
Phone: 877-782-8102
Financial Solutions (Bulk Purchase)
2446 Durham Manor Dr, 
Franklin, TN 37064
Phone: 615-414-6708
Site: Visit Web Site
Friendly Finance
6340 Security Bulevard, Suite 200
Baltimore, MD 21207
Phone: 800-872-2877
Site: Visit Web Site
Interim Funding (Funding Insurance)
1 South 270 Summit Ave, 
Oak Brook Terrace, IL 60181
Phone: 888-495-7300
Site: Visit Web Site
Lender To Lender Financing LLC
27322 23 Mile Road, Suite 5
Chesterfield, MI 48051
Phone: 586-598-1634
Site: Visit Web Site
Mid-Atlantic Finance
15500 Lightwave Drive, Suite 201
Clearwater, FL 33760
Phone: 800-793-9661
Site: Visit Web Site
Nationwide Acceptance
3435 N. Cicero Avenue, 
Chicago, IL 60641
Phone: 800-622-7605
Site: Visit Web Site
Nicholas Financial
2454 McMullen Booth Road - Bldg C, 
Clearwater, FL 33759
Phone: 727-726-0763
Site: Visit Web Site
Regional Acceptance
1202 East Fire Tower Road, 
Greenville, NC 27858
Phone: 252-321-7700
Reliable Auto Finance
950 28 th Street SW, Suite C, PO Box 9700
Grand Rapids, MI 49509
Phone: 800-373-9933
Service Finance
1956 NE 5th Avenue, Suite 8
Boca Raton, FL 33431
Phone: 866-336-1504
Site: Visit Web Site
Skopos Financial, LLC
P.O. Box 143454, 
Irving, TX 75014
Phone: 214-520-4600
Site: Visit Web Site
Tidewater Motor Credit
6520 Indian River Road, 
Virginia Beach, VA 23464
Phone: 800-216-6862 x6932
United Acceptance Inc.
2400 Lake Park Dr. SE, Suite 100
Smyrna, GA 30080
Phone: 888-951-9512
Site: Visit Web Site
United Auto Credit
1071 Camelback Street, Suite 100
Newport Beach, CA 92660
Phone: 866-300-5053
Universal Special Auto Finance
5690 DTC Blvd., Suite 340W
Greenwood Village, CO 80111
Phone: 303-773-44200

Virtual Lending Source
7084 Miramar Road, Suite 400
San Diego, CA 92121
Phone: 800-400-9192
Westlake Financial
4751 Wilshire Bulevard, Suite 100
Los Angeles, CA 90010
Phone: 888-211-6010
Site: Visit Web Site





























Published on 22 August 2013 Hits: 1003

How to Get Bad Credit Auto Loans after Bankruptcy


Auto Credit Financial ®

Auto Credit Financial 

You have probably heard a lot of rumors about getting credit after filing bankruptcy especially when it comes to car loans, You canstill get quality bad credit auto loans with reasonable terms even after you declared Chapter 7 or 13 bankruptcy.

Mark Hergert CEO, Managing Director


A major key to getting a loan is to have steady employment. Ideallyyou have been at the same job and residence for at least a year. Alsoyou must make sure a judge has finalized or “discharged” your bankruptcy case before you can legally apply for any type of auto loan.


If you are still paying debts under a Chapter 13 plan you cannot legally apply for any kind of credit without a judge’s permission a judge will probably approve your request if you truly need to get into another car.


Auto Credit Financial

Click to Apply


If you had good credit before bankruptcy but just ran into some hardfinancial times you will be able to get a car loan with a fairly lowdown payment and interest rate in some cases you can get a loanwithout a down payment or trade in. 


However the best types of car loansthese days require a down payment even if you have good credit generally you should plan to trade in another vehicle or pay about$1,000 toward a getting into an auto loan.

What if I have filed for bankruptcy in the past? If your current bankruptcy has been discharged and you are currently employed you will most likely qualify for an auto loan.


Please use our free auto loan application, submit your auto loan application and see whether you qualify for an auto loan. This is the easiest way for you to determine whether you qualify for a car loan and whether you can get your car credit application approved especially if you still have your recent bankruptcy showing in your credit reports.

Bankruptcy Special

Apply Online Now



Auto Credit Financial®

A Mark Hergert Company 2007-2014

Published on 24 August 2013 Hits: 3359

Auto Loan Services & Benefits

Poor Credit History Financing Information

Auto Credit Financial ®

Poor Credit History Auto Loans

Our auto financing options are specially designed for individuals who have a less than perfect credit rating.  This allows them to obtain their car with affordable rates, while re-establishing their credit.

An affordable auto finance loan can offer a second chance to people who would like to start out fresh, make timely payments, and rebuild a strong credit score (FICO). Our national network of lenders believes that bad credit and low interest rates can go hand in hand. Your rate may be a bit higher than average, but they will be affordable.

Will you need a cosigner if you have bad credit? Sometimes, but nevertheless, there certainly are plenty of no cosigner car, auto & truck loans available. How, you ask?

Our lender network of more than 400 auto lenders and dealerships nationally almost always has auto loans with no co-signer options available. It really depends on your own circumstances and how low your credit rating really is.

The lender or dealership will do a credit check, look at your credit score and give you more than one option. These options could involve a cosigner, a down payment, or neither if your income makes up the difference to make the lender feel secure.

 What is a Bad Credit Auto Loan?

Bad credit auto loans are specially designed for individuals who can't get pre approved for an auto loan with customary lending sources; for instance credit unions, local banks, or the lending arms of auto manufacturers. These lending sources generally don't lend to individuals with low or bad credit history, recent bankruptcy, low earnings, low down payment, or previous vehicle recovery. That being said, many dealerships have a special finance department in place to facilitate auto loans for bad credit for people that have a less than perfect credit history.

How do I Get Eligible for a Bad Credit Auto Loan?

The essential qualifications are:

  • Monthly provable earnings of minimum $1,800 monthly gross income.
  • Presently reside in the United States.
  • American or Canadian citizen or legal resident.
  • Capable of getting automobile insurance.
  • Permanent employment or guaranteed fixed earnings for the term of the loan.
  • Most lenders need a working phone number and proof of residence, for instance a utility bill or credit card statement.
     A Mark Hergert Company 2016
Published on 22 August 2013 Hits: 2503

Michigan Automotive Finance


Bad Credit Auto & Truck Loans

Detroit | Grand Rapids | Flint | Traverse City | Battle Creek | Cadillac+

Auto Credit Financial ®

Michigan Bad Credit Auto Loans

Auto Credit Financial of Michigan provides automobile financing for people with bad credit, no credit or in bankruptcy.  Apply for loans online with same day approval, no money down and low rates. We also provide financing for the self-employed, 1099 employees, military, students and first time buyers.

We're based in Traverse City & Kona Hawaii and understand the economic situations facing everyone in Michigan.  Contact us for help and assistance in re-building your credit.  Our extensive network of qualified lenders and auto dealers will work with you and your specific credit situation.  When you apply with us, we will give you at least four free quotes on auto loans in Michigan from some of our lending partners. Our quotes are always competitive and you will be able to quickly compare different loans.

We are not a lender and we do not have a vested interest in which lender or dealership you select. Thus, you can trust our information to be fair and accurate. By using our site you can get all the information you need to choose the right auto financing for you. 

No Sale No Fee

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Serving the following Cities in Michigan


Cities with populations over 10,000 include: Adrian, Alpena, Ann Arbor, Battle Creek, Bay City, Benton Harbor, Big Rapids, Burton, Cadillac, Dearborn, Detroit, East Grand Rapids, Escanaba, Farmington Hills, Fenton, Flint, Grand Haven, Grand Rapids, Holland, Ionia, Jackson, Kalamazoo, Kentwood, Livonia, Marquette, Midland, Monroe, Mount Pleasant, Muskegon Heights, Muskegon, Niles, Norton Shores, Owosso, Pontiac, Port Huron, Portage, Rochester Hills, Roseville, Saginaw, Sault Sainte Marie, Sterling Heights, Sturgis, Taylor, Traverse City, Walker, Warren, Wyoming and Ypsilanti


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Auto Credit Financial of

Traverse City

Traverse City Automotive Finance©



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Credit Information Before You Buy


After years of delays, the credit industry finally agreed to give consumers access to their personal "credit scores." This is important, because lenders use credit scores to determine who to give credit to and at what rates. Knowing your credit score can be empowering,If it's low you can take steps to improve your credit worthiness and if it's high you may be able to use it as leverage when shopping for your next car loan.