Is it possible to get a car loan without a credit check?

My credit history is lousy and I know it'll hurt my chances of getting a car loan. Can I avoid a credit check when applying for a loan?

Answer
Yes, there are many lenders that are willing to work with people based on factors other than a good credit score. However, when it comes to getting a car loan without a credit check, it is harder to qualify for one and you should be prepared to prove that you have the monthly income necessary to pay back the loan. Having a large down payment, using a cosigner, and/or pledging additional collateral will also help.
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Johnny Puckett
Answered on Mar 12, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
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