We say YES when others say NO

“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 Washington Auto Credit, we help our clients get approved for auto financing so that they can purchase a new or used vehicle. We help ALL types of credit and have interest rates as low as 0.0%

Our 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 access to over 100 loan programs including Guaranteed Credit Approval. The simple truth: We can help with others cannot.

Bankruptcy Auto Loans

Washington 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 Washington Auto Credit to get the auto financing you need to reestablish your credit. Washington Auto Credit has auto loan programs that allows 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 use a credit repair program to clean up some of the old negative items on your credit. New positive accounts on your bureau combined with credit repair will improve your credit much faster than using one method.


How to Budget And Save for Your Car Down Payment

piggy bank

Budgeting to save for a down payment for your new car doesn’t mean you have to make major life changes. If you just put a few dollars away each day, you will have your down payment saved up in no time!  Here are some easy steps to help you save your next car down payment.

Set your Goal

First of all, you need to set a goal before you can make a plan to reach it. If you are buying a $20,000 vehicle and want to save 15% for your down payment, you will need to save $3000 total. Next you need to decide when you want to make your purchase. If you are planning on purchasing in six months, you will need to save about $16 per day or $499 a month. Now that we have a solid number, we can start eliminating spending to reach it! Please note that the amount of down payment you will need for your car varies depending on credit history and vehicle purchase. If you are not sure how much you will need to save for your down payment, contact WA Auto Credit.

Find out where your excess spending is and eliminate it

We all spend money on things we don’t really “need”. One of the easiest steps to start saving more money, is to stop spending where you don’t need to. First, you need to find out if you are overpaying on some of your monthly bills. A simple phone call to your local cable provider, or cell phone provider can save you up to hundreds of dollars each month. Next, you will need to figure out where your excess daily spending is. Do you have a daily trip to the espresso stand or go out to lunch? (Starbucks?) Making coffee at home, and packing a lunch to work can add up to help you save a lot of money each month!

For example, let’s assume you spend $3 for a latte and $10 for lunch each day at work. If you work 20 days a month, that equals $260 in total monthly spending! Coffee brewed at home costs about .27 a cup, and you can easily make a home packed lunch for around $2 a day. If you choose this route instead, you can save around $214 a month towards your down payment.

Consider getting a second job

If you tried cutting your fixed bills and daily spending, but the money still isn’t adding up, consider getting a second job. Making a little excess money can be as easy as mowing your neighbor’s lawn on the weekend, or picking up a night shift at a local restaurant. There are also many ways to make additional money online by taking surveys, driving for Uber, or by opening your own online store. Finding extra ways to make cash online is as just a Google search away. 

We’re Adding a New Location in Chehalis!

Washington Auto Credit has opened an additional office in Chehalis, Washington!

The second location gives us more ways to serve our clients.

Here is the important information:

Washington Auto Credit
1500 NE State Ave
Chehalis, WA 98532
phone: 888-300-3502

Free Credit Unlimited Credit Repair Enrollment with Purchase! It’s BACK!!

Credit Repair Washington Auto CreditIn spring of 2014 we ran a promotion offering to pay the credit repair enrollment fee for our customers that buy a car. It was a very successful promo and a lot of people took advantage of our offer.

This spring, we are doing it again. If you buy a vehicle through us, we will pay your enrollment fee in Credit Unlimited’s credit repair program. This is a $99.95 value per buyer. If two people are on the loan to buy a vehicle, we will enroll both people. That is almost a $200 value.

The best way to rebuild your credit is to take out a significant loan and pay the monthly payment on time each month. If you can rebuild your credit with an installment loan (like a car loan) and have a credit repair company working for you to remove old, negative items from your credit, your credit rating will improve faster than just doing one of the two processes. Does that make sense?

Washington Auto Credit takes credit rebuilding very seriously. If you have any questions about this promotion, give us a call today!

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