Is there an application fee?
No. Badcreditoproblemo does not charge a fee to apply for a loan.

Who are the people of Badcreditonoproblemo.Com?

We are a credit application acceptance corporation. We are in the business of finding the best loan for you and the best car dealer to do business with. We realize that everyone needs a vehicle but not everyone has perfect credit to obtain the loan for that vehicle. Our goal is to make your car buying experience a smooth and positive one regardless of credit history.

What are the basic requirements to get approved?

To get approved, you must meet the following requirements:
• Be at least 18 years of age.
• Have a valid Drivers License.
• Make at least $1600 per month income. Pensions, child support, alimony, disability, social security, rental income and spousal income all count.

What should I bring with me for my consultation?

• Your drivers license.
• Current pay stub / proof of income.
• Current utility bill / proof of residence.

I've been turned down elsewhere, is it still worth applying for a car loan?

Yes, we accept over 92% of customers who have been turned down by other lenders every month. We deal with specialist lenders for people with a less than perfect credit history and take your application very seriously.

I speak Spanish / Portuguese. Will there be a native speaker available to answer my questions?

Yes, of course. We will try to make you as comfortable as possible.

How long will it take to get approved?

Your approval during normal business hours will usually happen in 1 hour or less. If you contact us over the internet or by phone after hours, we will get back to you the next morning at the number or e-mail address you have listed as the most convenient way to reach you.

How many cars can I to choose from?

We deal with some of the county’s largest dealers and dealer groups that have inventory in the thousands. We will not refer you to a dealership that is doesn’t care about your satisfaction.

How much will my payments be?

Our job is to fit the car you want into your budget. Your car payment will depend on the loan term, down payment, car selection and severity of credit. We will work with you to establish comfortable payment schedule.

How much do I have to put down?

You may be able to qualify for a sign and drive – a no money down – loan. Severity of credit along with desired payments effect the amount you will need to put down.

What interest rate will I pay?

This is dependant on your financial circumstances — every car loan application is credit checked and will be placed with the appropriate lender. Interest rates start at 0% and do not exceed 29.99%

What are the documents I need for delivery of my new vehicle?

Although each application is different, most applications required a copy of your Drivers License, copies of pay stubs, a utility bill to verify your residence, all pages of a recent phone bill, 10 references with name address and phone number, and down payment in cash or money order

How secure is my information?

Once you submit your application it is encrypted for transmission and then stored with industry-leading security on our servers. Netscape Navigator, Microsoft Internet Explorer and other web browsers are compatible with this form of encryption. All the application pages will display the "secure icon" in your browser indicating that the information you enter on these pages will be transmitted securely. Finally, Badcredit maintains a rigorous Privacy Policy and contracts for regular, independent audits of our processes and systems to ensure that we adhere to these standards