Who Needs Sub-Prime Loans?

People who need a second chance
Bad credit doesn't have to be a life sentence! If you're currently employed and need a second chance to re-establish your credit this is the program for you.

We will look at your unique situation and determine your ability to make payments on your loan today- regardless of any past credit difficulties!

Anyone seeking a Pre-Approval
If you're not sure if you qualify for a loan or would just like to know what you can afford we can help! Establish your credit limit in advance so you won't have to guess how much you can borrow.

New to the Country Applicants
We specialize in working with recent immigrants! If you're not sure what would be the best way to establish credit, or if you've had a recent job transfer, we can help.

Frequently Asked Questions

I see a lot of places offering 'Guaranteed Credit Approval'. What makes FMAutoCredit different?
Many corner car lots that offer 'guaranteed approval' with 'no credit checks' use in-house financing exclusively. Essentially you're borrowing their money to finance their cars and they'll charge you the maximum interest allowed by law.

Additionally, most corner car lots and 'Auto Finance Centers' don't report your payments to the 3 major credit bureaus (or if they do most credit agencies have little regard for them). Without credible banks reporting your payments you'll never improve your credit.

FMAutoCredit.com works with national lenders that report your payments to help you improve your credit.

What kind of vehicles do you offer.
FMAutoCredit only works with a select group of local new car dealers who offer late-model new and used vehicles in excellent condition and low mileage. Our lenders require we find you a dependable car so that you'll be able to afford the payments and not find yourself having to pay for high-dollar repairs.

If you would like more information please feel free to call us at (888) 377-9212 Toll Free or complete your application online.