Find the best Buy Here Pay Here and
Bad Credit Auto Loan dealers in Arizona and Las Vegas.

  • No Credit Check
  • As Low As $299 Down
  • Rent to own options available
  • Hundreds of vehicles
  • Bad Credit, No problem
  • No Obligations

Serving Phoenix, Mesa, Tempe, Chandler, Glendale AZ and all of Las Vegas.


1. Submit Info

We have over 20 buy here pay here and rent to own auto dealer locations thoughout Arizona and Las Vegas. With down payments as low as $299 down and every option available to get you approved for an auto loan even with bad credit.
One easy no credit check application and only approvals. No obligation and no hassle, only an offer with which ever dealer you choose.


2. Get Approved

After you submit your information online, we will automatically find the lenders and car dealerships that can help you based on your current situation and then get you pre-approved.
Once you are approved the preferred sales person from the car lot will contact you to confirm your approval and answer any questions that you might have. After that the choice is up to you.


3. Start Driving

With 20 new and used auto dealer locations in the United States and Canada and thousands of used cars, trucks and SUVs in stock, you are bound to find the one that’s right for you.
All of our bad credit auto dealer locations in Arizona offer easy financing incuding, rent to own and buy here pay here options with minimal approval requirements and the nicest cars in town.


Who We Are

Arizona Auto Exchange is a company that is devoted to helping those in bad credit situations apply quickly and easily for auto financing. Regardless of any repossessions, bankruptcies or negative marks in your credit history, we want to help you get approved for financing.

We are not a lending institution and we do not make credit decisions with regard to the loans provided. Our main focus is to help those in poor credit situations get matched up with preferred lenders that are qualified to help you get approved so you can purchase a car. There are no obligations during this entire process.


Regardless of your credit, you will have access to experts in the field of getting loan approvals. You don’t have to worry about getting judged for your past choices and can still get the approval you require to maintain your job. Whether you’re in Phoenix, Mesa, Chandler, Glendale or even Las Vegas – we got you covered!


What We Do

Our company works with certified dealerships that have had great success in offering dealer financing to those individuals in similar situations. If you’re in a situation with bad credit and you have a job, we would like to help you get approved for an auto loan.

We work to connect you with a preferred lender in order to get you behind the wheel of a car. Filling out our application is fast, easy and secure and you have everything to gain.

No matter your credit history, our company will work to connect you to the largest selection of lenders and dealerships who offer bad credit auto loans to individuals with no credit check required. Whether you are looking to get financing with a buy here/pay here dealership or want to rent to own the vehicle – we are here to help. Typical requirements for someone applying for a bad credit auto loan are as follows:

  • Monthly income of at least $1,500 gross
  • Copies of your last 2 pay stubs
  • 18 Years of Age or Older
  • Valid Drivers License with another proof of address

Our dedicated lenders can help in any situation, regardless of your credit past. Don’t let your bad credit hold you back from obtaining the car you deserve. Our authorized staff is skilled in offering the help you need to get you driving today. With our rent to own dealers you simply pay every two weeks to drive the vehicle until all your payments are made before you own the car. Great option for someone with a multiple amount of repos or hard to prove income.

You can get approved with no credit check and in some cases, no money down. Our representatives want to see you in a car today, so what do you have to lose? In the long run, on time payments are only going to serve to increase your credit rating. Trade-ins are welcomed and may prove to be a hefty bonus toward your down payment.

The integrity we place in our business makes us provide our customers with our trusted network of lenders and dealerships who will fight to secure a loan for you today. It may seem strange to have bad credit and have companies fighting for your business, but we want you to have the same car buying experiences as people with excellent credit.


Bad Credit Auto Loan Dealer Inventory – $299 Down

A bad credit auto loan dealer is one that specializes in getting financing for those in poor credit situations. These professionals work hard to create an effective solution tailored to your situation with the end result of getting you behind the wheel of a car.

Our preferred lenders and dealers have excellent track records in getting people like you approved for auto loans, no matter what negative information is contained in your credit report. Finding a qualified professional that is willing to help doesn’t have to be a daunting task. You will get expert advice from helpful representatives who will work toward helping you get approved.

Good Option If

  • Have poor credit history with a score below 620
  • Have been denied financing by a bank or credit union
  • Past Bankruptcies

Bad credit auto dealers exist to help those who need vehicles with their second chance auto financing. This option offers those with scores under 620 the opportunity to get financing and drive off in the car of their choosing.

Bad credit auto loan financing is done by trained professionals who possess the knowledge and skills in assisting people just like you. These experts make it their business to obtain financing for those in similar situations. They want to help you, so you have nothing to lose.


Buy Here Pay Here Dealer Inventory – $499 Down

Those dealerships that are considered “buy here pay here” lots are those that extend credit to individuals in bad credit situations. These dealers offer you the ability to obtain in-house financing that you may not otherwise receive. If you are unable to meet the standards set forth by other traditional lending institutions, you don’t have to lose hope.

Most of the larger financial institutions consider you a credit risk if your credit score is below 620. This is an unfortunate reality, but dealers that offer in-house financing exist to offer you an approval decision so that you know all of your options.

Buy Here Pay Here dealers provide in-house financing that help to get your auto loan approved regardless of your credit.

With the rate of subprime, or poor credit, borrowers increasing, these options have become more and more popular for credit challenged people. Subprime auto loans are geared toward those in similar situations as you. Even if you’ve filed for bankruptcy, you can still discuss your options with an expert who has your best interests in mind.


Rent To Own Dealer Inventory – $499 Down

Our preferred network offers rent to own plans for those who suffer from negative credit situations. These options allow you to rent the car for a fixed payment amount that is paid weekly to the dealer. Depending on the entire price of the vehicle rented, this option allows you to pay anywhere between $75.00 and $100 weekly. 100% of the payment amount is applied toward purchasing the vehicle, which is yours at the end of the agreement.

Using a rent to own plan offers you the ability to make regular weekly payments on a mechanically sound vehicle that you may not otherwise be able to buy. When you have finished making your payments, the vehicle becomes your property.

Good Option If

  • If you can’t prove your income
  • You’ve had more than 3 repossessions

Just like a buy here pay here, you don’t have to undergo a credit check to get a car. It’s as simple as going to the lot, test driving a car, signing paperwork and taking the car home. You can also ask the lender to report your positive payment history to the three major credit reporting agencies. This ensures that you are building your credit for your future loan needs. At the conclusion of the rental term, you own the vehicle free and clear.

If your denied in other places, then you may want to consider a rent to own plan. This offers you the transportation you need without credit checks.

A qualified professional will walk you through the steps of obtaining a rent to own vehicle. Be sure to ask how much of your payment will be applied toward the vehicle’s overall purchase price. Arm yourself with knowledge and take control of your future credit situation.

Gone are the days when bad credit equated to having no viable options in buying a car. Now, there are more doors opened to you in the realm of vehicles that you can rent to own.


Past Bankruptcies Or Repossessions? We Can Help.

Even if your credit history includes a bankruptcy filing, that should not stand in the way of getting you connected with a professional who can help you. Your credit history is not a factor in getting you in a reliable car.

We understand that certain situations happen and we don’t believe these obstacles should prevent you from getting the car you need. We get that most people need transportation to get to their jobs and we know how hard it can be to get financing for a car loan. Despite any troubles you’ve been through, there is help.

Your job is your credit and you will not be held back because of a bad financial situation. We match you with a preferred lender who is eager to help put you in a reliable car.

The rate of bankruptcy filings in the state of Arizona has decreased fifteen percent each year for the past three years. The highest cited reasons behind these bankruptcy filings were due to medical expenses, divorce filings and loss of income. Sixteen percent of those who have filed for bankruptcy protection are statistically more likely to file again in the future. If you are among those who have filed for bankruptcy, there is still help in getting you approved for a car loan.

If you’ve had a repossession or a bankruptcy on your credit history, you already know what it feels like to be turned down for credit. There is help for your situation and you deserve to deal with a lender that cares about your car loan needs.


How We Can Help

Obtaining financing for a car loan can be a challenge, but you can still take advantage of the years of experience these trained professionals have in this field. You will be presented with the best options that are tailor made to suit your specific financial situation.

Your job is your credit and once connected with a preferred lender, you can discuss your approval options.

If you know how to prepare and where to get help, then obtaining auto loan financing is no longer a chore. You are already half-way there to getting approved for a car loan. You already have a great job, why not use that to your benefit and drive off in a reliable car that you choose?

Our company shops around to get you connected with one of our preferred lenders, so this provides a valuable service in saving you time driving from dealer to dealer. Whether you’ve suffered a health problem or other setback that prevents your credit from being stellar, we can offer you the best solutions around. We pride ourselves on our high level of customer service and our goal is to get you into a reliable car.

You deserve help and you can be connected with a preferred lender so you can drive home in a car today.


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Hundreds of used cars, trucks and SUVs available with dealership locations in Phoenix, Mesa, Tempe, Chandler and Glendale AZ. Bad credit, buy here pay here, in house and rent to own financing for as low as $299 down. Apply online, get approved then pick your car! Choose from popular makes and models: Ford, Chevy, Dodge, Jeep, Honda, Hyundai, GMC, Nissan, Toyota, Mazda, Kia, and more.

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