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Arizona Credit Connection has an exceptional record of helping car buyers get the financing they need!


If you're looking for a great finance rate, low payments or have current or previous credit problems, we over 50 years of experience in the special finance industry and work directly with special finance lenders to get you an automobile loan TODAY! The knowledge and expertise we have gained through years of bad credit car loan financing experience enables us to give you the best assistance possible for your personal situation.




Most buyers are approved in less than 1 hour! Apply Today, Drive Today! Buy Here Pay Here Used Car Financing! Auto Loans for Good Credit, Bad Credit, Bankruptcy, No Credit, or Repossessions! Bad credit auto loans in Arizona, no credit auto loans in Arizona, buy here pay here auto loans in Arizona? At Arizona Credit Connection, we guarantee fast, easy GUARANTEED CREDIT APPROVAL for an auto loan in Phoenix, Apache Junction, Anthem, Avondale, Chandler, Chino Valley Cottonwood, Yuma, Lake Havasu, Flagstaff, Gilbert, Glendale, Kingman, Mesa, Prescott, Sedona, Tempe, Tucson, Queen Creek, Gold Canyon, Maricopa, the Verde Valley, Winslow, and all of Arizona!

The world has not come to an end because of the credit crunch or the fewer options when applying for an auto loan. It has become more difficult to get a vehicle if you have bad credit but it is not impossible. The key to finding a auto loan without spending days of frustration going from dealer to dealer getting the embarrassing "I'm sorry sir, we cannot get you approved because of your bad credit" or "I'm sorry but you have been turned down by all of our banks." going to the right place like Arizona Credit Connection when you apply for that bad credit auto loan makes all the difference! We approve most people for an auto loan within 1 hour!



Good Credit Auto Loans:

Arizona Credit Connection has access to most of the major credit unions in the Arizona Credit Union network as well as many local and national lenders to get you the financing you need with interest rates as low as 5.75% APR and terms up to 84 months!!!

To fill out an application now, Click here! Good Credit Auto Loan Application!

Self Employed Auto Loans:

Self employed auto loans can be tough to find in this economy! The documentation requirements and hassles almost not make applying worth it! The truth about getting an auto loan when you have bad credit and are self employed or work for cash and can’t prove your income is pretty harsh. However, at Arizona Credit Connection, we can and do help people in finding the right car loan as quickly as possible! If you are self employed and have special needs for your auto loans, Arizona Credit Connection is here to help! Applying for a car loan for self employed people can be a big pain in the neck, but it doesn't have to be at Arizona Credit Connection!

We understand the needs of the self employed, waitresses, entertainers, bartenders and other people who have difficulty documenting their income on tax returns! Don't despair! Arizona Credit Connection can have you driving a newer vehicle, usually within an hour!

To fill out an application now, Click here! Self Employed Auto Loan Application!



No Credit Auto Loans:

Have no credit history or a limited credit history? Arizona Credit Connection can help you with your no credit car loan needs. In fact, we help more consumers get a no credit car loan than most any other dealer in the area! We have over 30 vehicles under $10,000 so you can purchase an affordable vehicle while working a dealer who has a larger network of lenders who specialize in the area of first time, credit builder auto loans!


To fill out an application now, Click here! No Credit Auto Loan Application!


Bad Credit Car Loans:

If you have credit problems, you can get the financing you need for the vehicle you want and help yourself re-establish your credit while driving a newer vehicle! Don't be taken advantage of because of your credit history. Arizona Credit Connection can arrange all of your financing through our network of 25 local and national lenders who are aggressively loaning money in this market and take the hassles out of your next car buying experience.


Arizona Credit Connection specializes in bad credit auto loans and special finance options for consumers with less than perfect credit. Arizona Credit Connection in Mesa offers bad credit car loan programs designed especially for auto, car and truck buyers with credit problems, no credit, or unique sub prime auto loan requirements. Arizona Credit Connection helps you qualify for bad credit auto loans, a bad credit car or truck loan, or a special finance auto loan regardless of your credit problems or automotive financing loan payment history. We also offer financing for customers who are going to file bankruptcy, in the middle of a bankruptcy, or discharged from a bankruptcy... GUARANTEED!


We offer bad credit auto loans, no credit car loan financing, buy here-pay here, sub prime car and truck loans, and sub prime automotive financing that most dealers can't or won't do!

We want your car buying experience to be positive, quick and hassle-free. We also want you to be aware of the power a car loan has in helping you to re- establish your credit. Our goal is to help all parties' involved work together smoothly so that everyone benefits from their involvement.


In most cases, if you have credit problems and go directly to a dealership other than Arizona Credit Connection, you are more than likely to have an unsatisfactory experience. First of all, once they learn your credit is less than perfect, the way they treat you will change from friendly and courteous to not so friendly. Second, they will most likely show you a very low quality, limited selection of cars....far from the type you may desire. You can avoid all these unnecessary hassles with Arizona Credit Connection and feel confident that you will already be approved before you walk into our dealership. You will then be treated with the respect you deserve.


To fill out an application now, Click here! Bad Credit Auto Loan Application!


I heard Arizona Credit Connection offers Guaranteed Credit Approval! How does that work?


So, you've been told by other dealers or lender that they cannot approve you for financing on a vehicle? Well, a guaranteed credit approval auto loan is a loan offered by us that offers Guaranteed Credit Approval to anyone who wants to buy a car, no matter what their credit history. There are some guidelines that must be met, including full time employment, length of employment, income and--most importantly--down payment. If you, as the buyer, is employed and makes enough income to theoretically make the payments on the vehicle, the buyer will get a loan if you can meet the minimum down payment requirement.


Is this a buy here-pay here program?


Yes and no. Guaranteed Credit Approval is a second chance finance program that will enable you to rebuild your credit with an automobile loan that reports to all 3 credit bureaus through our partnership with a national, Fortune 500 company. All of the elements of a "buy here-pay here" or in house financing dealership apply, including Guaranteed Credit Approval to everyone except it's more like "buy here-pay there" as all payments will be made to our lender partner, who will report all of your on time payments to all 3 credit bureaus to re-establish your credit!


I just had a foreclosure, repossession or bankruptcy. Can I get approved?


Yes! Even with a fresh foreclosure, repossession, or bankruptcy, we can approve you with our guaranteed credit approval auto loan program, usually within minutes. Now, we know you are visiting us for a reason. Relax! We will get you a guaranteed credit approval for an auto loan within minutes, regardless of your circumstances!


I found a car privately (or at another dealership), can I apply and have Arizona Credit Connection finance it?


We do not finance vehicles that we do not sell, so if you wish to take advantage of our Guaranteed Credit Approval program, you will need to purchase one of our vehicles.


I have a current car loan and I need a 2nd car; will you finance just me on a 2nd vehicle?


The quick answer is yes! As long as you make enough income to be able to make your current car payment, we will be able to get you a second or third auto loan with our Guaranteed Credit Approval Progam!


What kind of down payment do I need to purchase a vehicle from you?


Great question and we get asked this 99% of the time!

We offer Guaranteed Credit Approval to ANYONE who applies provided that they can meet the documentation and down payment requirements. This means that no matter how bad your credit or situation is, we WILL approve you for auto financing.

However, even though you are approved for financing, it does not mean you do not have to have to have a down payment. You should be prepared to come up with at a minimum 10% of the purchase price in a cash down payment or trade equity plus tax, title and license. The higher the down payment you have, the more expensive vehicle you can purchase and finance from us. However, it is important to note that if you have short time on the job, limited time in the area, low income, or recent credit issues, you will be approved for financing, but may be required to put have a larger down payment. Keep in mind that certain vehicles will require more down payment than others so the best strategy is to come in or fill out our online application so we can tell you how much you are approved for.


I don't have a down payment and I need a car now! What can I do?


We understand budgets and your ability to put cash down on a vehicle. In most cases, we can and do accept trade-ins as long as you have title and can drive the trade-in to our dealership. In many cases, your trade-in can be used as most or all your down payment toward a vehicle. However, depending on the type of vehicle you are looking to purchase, our program will, in most cases, require cash down in addition to your trade-in.

The good news is that our saying is that "Cash cures all crimes!". With our Guaranteed Credit Approval program, a good down payment will help overlook most past credit problems including a recent divorce, foreclosure, or repossession. Regardless of your past credit, you WILL be approved for auto financing!


"I have $XXX now and I can give you $XXXX more in 2 weeks."

We hear this every day. We want to help you get the car, truck, van, or SUV you want. However, asking us to have you owe us down payment while you need to make your monthly payment on time puts us in a tough position. When a customer has to make payments on down payment and has to make their 1st car payment and something comes up, it's difficult for us because we want you to make your payments to the lender, but we also want our down payment paid. We don't want to see you fail, we want you to succeed, but if you owe us and owe the car payment to a lender, you're set up to fail in most cases. We will allow you, in most cases, to give us what you are working with to hold the car until you have the required down payment. For the reasons above, we do not deliver vehicles to customers that need to make payments on the down payment until all the down payment is paid. In a situation where you need a car right away and you are working with a small or no down payment, we can refer you to our buy here-pay here partner that may be able to assist you with an auto loan with a low down payment.


I have a 2002 Pontiac Grand Am (or whatever vehicle you have) and I owe $10,000.00 on it, can I trade that vehicle in and buy one of yours?


Excellent Question! While we will accept any vehicle in trade, in most cases, our lenders will require you to come up with any "negative equity", or the difference you owe and what the vehicle is worth. Now, if your credit is better than average, we may be able to place your loan in a different loan program where we may be able to take your vehicle in trade and add the difference to your new loan. However, in our Guaranteed Credit Approval program, we will require that any negative equity be taken care of by the applicant before they will approve a new loan. Guaranteed Credit Approval is not intended for rolling over negative equity loans.


Can I buy the $30,000 BMW I saw on your website in this program?


Another good question! Our lender partners will look at your income, down payment, and ability to make the monthly payment. However, Guaranteed Credit Approval is a second chance auto finance program that will usually keep your loan to around $10,000 or less and your monthly payment between $250-400 a month. This program is not intended for $30,000 auto loans, however, we may have other lending programs that would work for a more expensive vehicle.

Therefore, for your protection and ours, they will limit you to a payment that is in your budget, most times an auto loan for between $8000- $10,000. Now, if you have a good income and down payment, we may be able to qualify you for more under a different lending program than Guaranteed Credit Approval. Please understand that this is an opportunity for you to rebuild your credit and, after purchasing a vehicle from us and making on time payments on this loan for 12-18 months, we may have the opportunity to trade you out of this vehicle and get you into the vehicle you really want to purchase. However, in most cases, if you wanted to buy this example vehicle, while you could buy this vehicle, you would have to come up with the difference as a down payment to bring the loan down to the lender's limit.


I put in my application and you said I need more down payment to buy the car I chose....


Again, We offer a guaranteed credit approval to ANYONE who applies provided that they can meet the documentation and down payment requirements. However, this does not mean you can buy a $30,000 vehicle without a down payment or with a low down payment. Our underwriting system will determine the down payment required based on how expensive a vehicle you choose, your monthly income and ability to repay the debt. Just because we can guarantee a credit approval, it does not mean approval on a specific vehicle you choose unless you can put the minimum down payment required by our lender partner. However, if you can put the minimum down payment required by the lender, you very well may be approved for financing on the vehicle you choose.


OK! I'm ready to do this- how do I get my Guaranteed Credit Approval? *:


To fill out an application now, Click here! Guaranteed Credit Approval Application!


I need a car TODAY! What do I need to bring in to drive home NOW?


* Down Payment (Amount down is determined by vehicle and credit application.)

* Trade title or lien release for your trade in

* Completed Loan Application

* Minimum $800.00 a month income (must supply 2 recent paystubs with tax deductions)

* If on SSI, award letter or 3 months bank statements

* If receiving child support, court order + 3 months bank statements showing deposits

* If receiving per capita income, current direct deposit stub + 2 months bank statements

* If receiving Alimony, court order or 3 months bank statments showing deposits

* Proof of Residence (utility bill, bank statement, phone bill) in YOUR name

* Current Home or Cellular Phone Bill

* Current Bank Statement (checking and/or savings, if applicable)

* Proof of Child Support, Social Security, Disability Benefits (if using as income)

* Bankruptcy - if you have filed bankrupty, you must supply proof that it has been discharged, or supply a letter from the Trustee's office stating that the new loan will not be included in the bankruptcy.

* Minimum of 6 references (NO PO Boxes, must have full street address and phone number).

* Proof of Insurance ($500 deductible, Full Coverage Required)

* Co-Buyer/Spouse - must supply all of the above

* Self employed or "CASH" job? All we need is your last 3 months personal bank statements showing consistent deposits to prove your income. We do NOT necessarily need tax returns in this program! If you have any questions, please call us!


Is there anything that will disqualify me for a Guaranteed Credit Approval?

1) Our lenders do NOT accept Unemployment, Student loans or Aid, Foster Care or non court ordered child support or alimony as sources of income. As a rule, if it can't be proven on a bank statemnet, court order or tax return, our lenders do not consider it income. We do accept many different ways to prove income, so if you have any questions, please call or stop in.


2)If you have a P.O. Box for an address, you MUST be able to prove that you live at a physical residence with a recent utility bill that can be tied to that address. Failure to provide will cause your application to be declined. Also, if you live at a hotel/motel, that will cause your application to be declined for an irregular residence. However, once you get a permanent residence, we can re-consider your application.


3) Prior loss, repossession or charge-off with us or our affiliated entities will cause you to be declined until prior balance(s) with us are paid in full.


Once you have submitted your application, you will be notified via e-mail the status of your credit approval and we will set an appointment with you to get you your new vehicle!




If you have questions, just click here to send us an e-mail: I have a question




* Not all vehicles will qualify for this program. Valid Driver's License, Minimum income and down payment requirement apply. Documents required by lender must be provided for approval to be issued. Applicant responsible for any negative equity in trade in. See us for details!