At AutoApprove, we're on the side of drivers — connecting you with lenders and dealers who finance every credit situation, fast. Soft credit pull only.
The short form takes about a minute. We use a soft credit pull to match you with the right lender and dealer for your profile — no hard inquiry until you decide to move forward.
Real outcomes from people we've connected with the right lender or dealer.
"Had a repo from 2021 and figured I was done. AutoApprove matched me with a dealer 20 minutes from my house. Drove off the lot the same week in a 2019 Civic."
James K. · Houston, TX
"No credit history because I'm 22. Every dealer wanted a co-signer. AutoApprove found a first-time-buyer program. Approved with just my pay stubs."
Kristi R. · Denver, CO
The features that matter when you need a car and the dealer down the road said no.
Most matches in minutes. Dealer reaches out same day in most cases.
Bad credit, no credit, prior bankruptcy, recent repo — all profiles welcome.
Pre-qualification doesn't affect your credit score. Check as many times as you want.
Nationwide partner network. We match you with finance-friendly dealers in your area.
Submit during business hours and the matched dealer usually reaches out the same day. Most approved buyers are behind the wheel of a new-to-them car within a few days, not a few weeks.
Minimal paperwork. The highest approval rates in our class. Built for drivers who've been told no by the dealer down the road — and want a real yes, fast.
Get Approved →Five fields to start. No SSN required until the lender extends an offer.
Our routing matches your specific profile to the lender most likely to approve it.
Capital One Auto, Westlake, Credit Acceptance, Ally, DriveTime, Carvana — and regional credit unions.
Pre-qualification doesn't impact your credit. A hard inquiry only happens if you formally apply.
No. The initial check uses a soft credit pull. It appears on your credit report but doesn't affect your score. A hard inquiry only happens if you formally apply for financing through a specific lender.
Our network includes specialty subprime and "no credit history" finance partners. We've matched borrowers with scores below 500 and applicants with no credit file. Approval isn't guaranteed, but credit score alone is rarely the disqualifier.
Depends on the lender, the vehicle, and your credit profile. Some matches require no money down; others require 10–20%. Your pre-approval letter spells out what's expected before you walk into the dealer.
Both are common in our network. Many partner lenders specifically finance post-bankruptcy or post-repo borrowers. Discharge from Chapter 7 is usually enough; Chapter 13 may require lender approval.
Form to pre-approval: a few minutes. Pre-approval to dealer visit: same day in most cases. Dealer visit to driving the car home: a few hours. Total turnaround: usually the same day or the next.
Neither. AutoApprove is a free matching service that connects consumers with lenders and partner dealers in our network. We don't extend credit, set rates, or sell cars.
Most drivers get matched within minutes. Most matched applications go from form to keys in less than a week.
Get Approved →