Auto Financing Specialists

“After being denied everywhere else, Washington Auto Credit came up with several loan options that worked for me. The valued my time and gave me a fair price on a safe, reliable car.

Dana – Olympia, WA

We Can Help You Buy a Car, Even When Others Can’t

At WA Auto Credit, we help our clients get approved for auto financing so that they can purchase a new or used vehicle. Our clients often have bad credit, or no credit at all. However, we do help people with good credit with rates as low as 0.0% APR on approval of credit.

WA Auto Credit’s approval specialists help you arrange new and used vehicle financing through our network of auto dealers. We work for you to help you find the best auto loan you qualify for so you can purchase a great vehicle from a reputable dealer. We have over 50 auto lenders that we use on a regular basis to offer Guaranteed Credit Approval, and since we have such a valuable relationship with our auto lenders, we can often help when other companies cannot.

Bankruptcy Auto Loans

There has been a huge increase in Bankruptcy filings over the last couple of years. WA Auto Credit helps people with bankruptcies buy vehicles. You can buy a car if your bankruptcy is not discharged yet. We help people in both Chapter 7 Bankruptcy and Chapter 13 Bankruptcy secure auto financing to buy a great vehicle and rebuild their credit.

If you are in an open bankruptcy, consider a bankruptcy auto loan through WA Auto Credit to get the auto financing you need in order to reestablish your credit. WA Auto Credit has auto loan programs that allow many customers in open bankruptcies to buy vehicles with little or no down payment.

Improve Your Credit with an Auto Loan

The best way to improve bad credit is to make payments on time with a major installment loan, such as an auto loan. This helps you to build a good credit history on a new account. At the same time, our clients often utilize a credit repair program to clean up some of the old negative items on your credit. The combination of the new good credit and credit repair will work much faster to build you credit for you than just one by itself.


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FREE Credit Repair Enrollment

Free Credit Repair Enrollment WA Auto CreditWashington Auto Credit has joined forces with Credit Unlimited, a leading credit repair company, to better serve our customers.

Starting today, for a limited time, WA Auto Credit will offer FREE Credit Repair enrollment with the purchase of a vehicle. It is a $100 value per person. If there are two people on the vehicle purchase contract, both people can be enrolled ($200 value).

In our experience, credit repair combined with on time payments (especially on new installment accounts) result in the fastest improvement of credit. We recommend customers stay in a credit repair service for at least six months to see the biggest gains.

This offer is designed to help our customers reach their credit goals sooner. When credit improves, our customers are able to qualify for better loans and better vehicles. Credit repair from Credit Unlimited has helped many of our customers improve their credit faster. Now, instead of having our customers pay for the service on their own, we pay to sign them up.

*Disclaimers* The customer must purchase a vehicle at Washington Auto Credit on or after April 1st 2014. Washington Auto Credit is paying for the initial enrollment fees. Additional months of credit repair service are at customer’s expense at a minimum of $49.95 per month. Promotion is subject to end at any time. No notice may be given as to end date of promotion. Contact Washington Auto Credit to inquire about


Get a Better Interest Rate or the Vehicle You Want: Sooner

credit repair wa auto credit bad credit auto loans

Are your credit improves, so does your buying power.

We here this one all the time:

“If I am going to be making payments, it has to be a car that I want.”

Let’s be honest here: the majority of people with serious credit challenges are not able to buy their dream vehicle with the down payment they have available.

Generally speaking, the worse your credit is, the more a lender is going to control the vehicles you are able to purchase and the higher your interest rate will be. As your credit improves, you are able to qualify for more vehicles and better interest rates.

How to Improve Credit:

There are basically two ways to improve your credit. You can either get new, positive, accounts or remove negative items from your credit.

Nothing is as effective as obtaining a large installment loan, and paying it ON TIME each month. Auto loans, personal loans (if you can qualify), and mortgages seem to work best. Credit cards and other revolving lines of credit are not as effective.

To remove negative items, the process can be a bit more complicated. You have to repeatedly dispute items on your credit bureau with both the creditors and each credit reporting company (there are three of them). Eventually, some of the items will go away, no matter who disputes them.

The part most people do not know: Companies that specialize in repairing credit are generally much more effective than individuals who try to do it themselves.  Why is that? It is their job. They do not forget to dispute because their kids distracted them. They do not forget to follow up with each individual dispute because they are tired, or had to go to a party, or wanted to watch a movie. Most people just do not have the time to stay on top of the credit repair process.

The Magic Formula:

New Good Loan + Credit Repair = Faster Credit Improvement

The fastest way to see the biggest improvement is to simply combine building new (good) credit with repairing old (bad) credit. This formula gets you into a vehicle you can be proud of and a loan you are happy with much sooner than just doing credit repair or obtaining a new loan.

We have customers that refinance or trade in to a better car in less than six months. Really. Six. Months.

There is no hard and fast rule. Some people will take longer, but if you make on time payments for your new loan, work on repairing the existing bad credit, and do not add new negative items to your credit, YOUR CREDIT WILL IMPROVE. Credit is a marathon, not a sprint. We are just trying to help make it a faster marathon.


Big Change Coming April 1st

Washington Auto Credit is always striving to provide more value to our customers.  We have big things planned for the month of April, and we think you are going to like it.

That is all we can tell you for right now, but more info will be coming over the next week.


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The leader in bad credit auto loans since 2003.