Federal Auto Loan Good credit. Bad credit. No Credit. All Good.
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#1 Fill out our simple application.
#2 Get personalized loan options.
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FederalAutoLoan.com can help you get the car loan you need... even if you have bad credit!
Our stress-free, trustworthy process is fast, easy, and free! You’ll be glad you used Federal Auto Loan!
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Welcome To FederalAutoLoan.com!

We'd like to welcome you to the best place on the web for new or used car loans, bad credit auto loans, or a low rate auto loan that you can afford... FederalAutoLoan.com! If you’ve been searching for an auto loan lender or a local auto dealer who is willing assist you with car financing for your particular situation, we can probably help you. Our company has developed a nationwide network of car loan lenders and new and/or used car dealers who specialize in helping people who don't have perfect credit. Our program matches you with one or more dealers or lenders in our network that wants to help you with your financing needs and to help you get the car you need. The general car loans and bad credit auto financing that our affiliates can provide to you offer low auto loan rates and special financing programs. And while credit problems may not allow you to get the exact car you want, our program can connect you with a lender or dealer who will do their best to help you get financing for a vehicle to fit your needs. Federal Auto Loan is not a lender or car dealership and we do not approve loans or represent any government agency. We are a private company that was established specifically to help consumers get a car loan and the car they need through our consumer connection program! We're also all about helping our consumers be informed and knowledgeable. Our web site contains lots of information to assist consumers in being better educated about car loans, car purchasing, bad credit car loans, and much more. Fill out our safe and secure credit application today and get your free no obligation auto loan options from our lender or dealer affiliates. You could be driving that car or truck by tomorrow! Note: The FederalAutoLoan.com application is a credit application so make sure you fill out all the information accurately and completely.

100% Acceptance Promise

At FederalAutoLoan.com, we want to help you get connected to the financing you need…. especially if you have credit challenges. That means getting you connected with a financing specialist in our network that has the ability and desire to help you get financed – because driving from dealership to dealership and getting turned down is both frustrating and embarrassing. That’s why we promise to accept and submit every legitimate application made through our site to our affiliate networks without filtering out for things like bankruptcy, being self employed, bad credit and other factors. And while we can’t guarantee that you’ll receive loan approval, we can say that our 100% acceptance promise could improve your chances because you know your application is being submitted rather than tossed aside due to some negative factor. FederalAutoLoan.com is a privately-owned Consumer Connection company that is dedicated to helping our users get connected to the financing they need. Plus, our web site offers great research and information on car buying, vehicle financing, bad credit car loans, and more. We’re also a BBB accredited business with an excellent rating. Best of all, our service is totally free with no obligation on your part whatsoever! Thank you for working with FederalAutoLoan.com!

auto loans for bad creditCommonly Asked Questions

Does it cost any money for me to make a financing request using the FederalAutoLoan.com process?

No! It costs nothing for you to submit a credit application to the FederalAutoLoan.com network. Our service is free to the consumer with no obligation on your part whatsoever. We are compensated by the affiliates in the networks we work with.

Do I have a good chance of connecting with a lender or dealer who can help me get car financing?
Yes you do! We have a national network of lenders and dealer affiliates who are all about helping you get accepted for financing. When we forward your application to them, they'll do their best for you.

I’m a self employed person, can I still qualify for a car loan through one of your lender or dealer affiliates?
Yes you can! Self employment often makes getting a loan more difficult, but depending on your circumstances, being a person who is self employed may not necessarily be a problem.

Can I put zero money down?
You may be able to do so! We have a number of lender and dealer affiliates that offer programs that may allow you to put no money down on your car loan based on qualifying credit.

I've had a car repossessed in the past. Does that mean I can't make a financing request?
Not at all! You CAN still make a financing request through our network! Our network of lenders and dealer affiliates offer special loan programs that could help you even if you have  a repossession in your past. It's our goal to help you get a solid loan connection even if you have a difficult credit situation!

What if I am going through bankruptcy or have gone through bankruptcy?
Even if you're going through bankruptcy or have a bankruptcy in your past, we may be able to help you! We have many lenders and dealer affiliates in our network that specialize in vehicle loans for people who have gone through bankruptcy or are currently in the middle of a bankruptcy.

Can a private party purchase loan be obtained?

Typically not through our program. But you may wish to submit a credit application anyway and see what other options may be available to you.

Can I get a loan for either a new or used car?  

Yes you can! Our lenders and dealer affiliates offer car loans for both new and used cars!

Does "Guaranteed Acceptance" mean that I am guaranteed to get approved for a loan?

No... but it may very well improve your chances! When you work with Federal Auto Loan we make sure that every application we receive will be submitted to our lender/dealer network. We don't "filter out" applications for things like self-employment, bankruptcy, bad credit or other negatives like some other companies do. So while we can't guarantee that you'll be approved, we'll do all we can to match you with an affiliate who will do their best to get you the auto loan for the car you need!

Is Federal Auto Loan a lender, auto dealer or government entity?

No... we're better! We're a privately held "Consumer Connection" company that helps connect you with dealers and lenders who want to help you get a car loan and get a vehicle to suit your needs! We have a nationwide network of lenders and car dealers, many of whom are specialists in helping credit challenged consumers with all types of problematic credit situations. That's why we say "Good Credit... Bad Credit... No Credit... ALL GOOD!"

Note that Federal Auto Loan works with a significant number of auto dealers and lenders in the affiliate networks integrated on our platform. Across the country, this represents hundreds (and perhaps thousands) of lender and/or dealer affiliates in those networks. Federal Auto Loan only works with affiliate network companies that have good reputations and only with companies that have networks that they represent with direct relationships. Even though we do this to help get our consumers connected with only good and reputable companies, it is simply not possible for us to monitor the many and varied affiliates in these affiliate networks. Given this situation, we strongly encourage you to thoroughly review and research any lender or dealer you are considering obtaining financing through (or purchasing a vehicle through). This includes talking to experts and individuals with knowledge in the auto finance world, checking online reviews and information about these companies, doing your own personal research about vehicle financing and car purchasing, and talking to your tax and/or financial advisors before entering into any deal with any dealer or lender (whether we connect you with them or not). And remember… you are under no obligation to work with any lender or dealer that we connect you with. If you don't feel that you should work with them, don't. Thank you again for applying with FederalAutoLoan.com.

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Auto Finance Glossary
The auto finance and car-buying process can be confusing... Especially if you aren't familiar with all the terms associated with buying a new or used car. Here at Federal Auto Loan, we have compiled many of the terms and definitions you may come across when purchasing a vehicle and financing that automobile. Check out our Auto Finance Glossary.

Bad Credit Auto Loan

A bad credit auto loan or car loan for bad credit is auto financing that is extended to a consumer who has a low credit rating because of bad or negative information on his or her credit history report. Borrowers who have credit scores below approximately 660 will generally need to consider sub-prime or bad credit auto financing when purchasing a new or used vehicle.

Stay up to date on everything you need to know about auto financing and car loans with bad credit.
Visit our blog today!

Featured Videos

Here at Federal Auto Loan, we not only strive to help people get the good or bad credit car loans they need... We also do everything we can to educate people on the car-buying and auto loan process. Our helpful car loan video guides provide you with information on how to buy a car, how to find a great rate on a car loan, how to avoid car loan scams, and much more.

Finance Your Bad Credit Auto Loan

“... At FederalAutoLoan.com, we understand the difficulties that consumers with poor credit face. We know that many lenders and auto ... ”

Auto Loans with Bad Credit

“... How much are you willing to pay for a car? If you have bad credit, what you're willing to pay and what it really costs are two very different things ... ”

Bad Credit Auto Loans

“... It can be tough to know where to begin when you’re looking for an auto loan. ... ”

Car Loan for Bad Credit

“... If you're looking for a car loan for bad credit, you'd better be ready for the additional costs that come with it. ... ”

Auto Loans for People with Bad Credit

“... If you are in need of a new vehicle but struggling to get approved for the auto loan you need due to poor or questionable credit, Federal Auto Loan is here to help. ... ”

Apply for a Car Loan with Bad Credit

“... As if it isn’t exhausting enough shopping for a car, trying to get approved for a car loan when you have bad credit takes that exhaustion to a whole new level. ... ”

Get Auto Financing
in Three Easy Steps

#1 Fill out our simple application.
#2 Get personalized loan options.
#3 Get your auto loan... It’s all good!

Zip Code:
bad credit auto loans

Bad Credit? We Can Help!

Having bad credit doesn't mean you can't get the auto loan you need! Here at Federal Auto Loan, we specialize in helping individuals with less than perfect credit. With the help of bad credit car loans, and Federal Auto Loan, you can easily become a car owner! So don't be hesitant to fill out our application for a bad credit auto loan because of your credit history. Click below to visit our bad credit car loan page.

Bad Credit Auto Loans

car loans with bad credit

Auto Loan Calculator

Purchasing a new or used car, outside of buying a home, is one of the largest purchases most people will make. Calculating what your car payment will be is a key component of the car-buying process. Know just how much you can afford to spend on an auto loan or bad credit car loan! Our simple auto loan calculator will show you how much your monthly payment will be based off the numbers that you input.

Bad Credit Auto Loans

secrets to getting an auto loan with bad credit

FREE Guide: Secrets to Getting an Auto Loan if You Have Bad Credit

(in PDF format)

Featured Guide: “... This manual was created to help consumers understand their options and get information on how to get a car loan even if they have credit problems. We’re excited to provide you with this guide and hope that it helps with ideas and strategies to improve your chances of getting a car loan even if your credit isn't where you’d like it to be ...”

Secrets to Bad Credit Auto Loans

Featured Articles

Right Side Up on Car Loans for People with Bad Credit

Posted 9/6/2013

Living in the world of bad credit can be crazy. And hard. Because people who have difficult credit situations and need a bad credit auto loan to finance a car can really feel like they’ve been dropped in a hole with no way out. If you’re like one of these people and you aren’t sure what to do, perhaps this article can help you.

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Evaluating Your Credit is CRITICAL Before Getting a Car Loan

Posted 9/5/2013

A true and honest review and assessment of your personal credit situation is critical if you want to really understand what kind of borrower you are and what options in terms of borrowing money are available to you. The real question is, what type of car financing will be available to you? Good credit car loans are reserved for high quality borrowers while bad credit auto loans are about all you can get if you are a lower quality borrower. The good news is that it isn’t that difficult to determine your borrowing status… and there are a number of tools available that you can utilize to determine your individual credit situation… and even how to improve it.

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Apply for a Car Loan with Bad Credit

Posted 4/30/2013

As if it isn’t exhausting enough shopping for a car, trying to get approved for a car loan when you have bad credit takes that exhaustion to a whole new level. You may wonder if the car you need is even within reach. Well, it can be. Don’t give up yet, because it can be free, easy, and safe when you begin your search with FederalAutoloan.com. We can help you on your way to apply for a car loan with bad credit.

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Car Financing for Bad Credit

Posted 4/19/2013

Now that you’re in need of a new car, you probably have some questions about bad credit car loans. We want to answer those questions as clearly and as simply as possible. And not only do we want to answer your questions, but we want to help you on your way to approval for that car loan, and make it easier on you than you may think. We can probably help you receive car financing for bad credit.

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Where to get an Auto Loan with Bad Credit

Posted 4/19/2013

For those with less-than-perfect credit scores, there are options out there for auto financing… You just need to know where to look. It is also important that you know the difference between the various bad credit car loan options. Don’t feel like you have nowhere to turn. First, read about your options, and then let FederalAutoLoan.com try to set you up with one of those options. We’ll help to tell you where you can get an auto loan with bad credit.

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Auto Sales and Car Loans for Bad Credit

Posted 4/19/2013

If you have bad credit, you may wonder whether or not you’ll be able to find a lender or dealer who will help you buy a car. Of course this is a legitimate concern, because it can be difficult—especially if you try on your own. Shopping around, feeling trapped, and insanely high interest rates are just a few of our customers’ worries about finding a lender or dealer without much direction. But we at FederalAutoLoan.com may be able to improve your chances of finding car loans for bad credit, and want to match you with the best lender or dealer to find you the car you deserve.

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Top Bad Credit Car Loans

Posted 4/19/2013

Anyone living under the cloud of bad credit knows what a constant headache it is. The costs of doing anything credit-related is higher than those of someone with good, or average, credit, leaving some higher end purchases out of reach until old problems get fixed. Car loans currently allow for a little more flexibility for the bad credit consumer with lenders going so far as to market their products directly to people struggling with bad credit. But, how do you find out who has the top bad credit car loans?

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Auto Loans with Bad Credit Better Your Chances of Approval

Posted 1/17/2013

How much are you willing to pay for a car? If you have bad credit, what you're willing to pay and what it really costs are two very different things. You may have your heart set on a car that runs about $20,000 – not a terribly high price to pay on a car. But, have you considered the total cost of the car loan to pay for it? Buying a car means paying taxes, license and registration, insurance, finance charges, and interest payments. This will add severa...

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Car Loan for Bad Credit Making a Wise Decision

Posted 1/17/2013

If you're looking for a car loan for bad credit, you'd better be ready for the additional costs that come with it. There are more lending companies than ever marketing their services to people with bad credit since over a quarter of the buying public have lower than average credit. While this market is competitive, this doesn't mean that you'll find a cheap deal – at least, not the kind of deal people with good credit get. In many states, interest rates on car loans can go as high as 12.5%. On average, you'll be paying about 8% interest on...

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FederalAutoLoan.com: Your friend in the business of car financing and car buying

Posted 8/13/2012

FederalAutoLoan.com is a great place on the Internet to access vehicle financing, learn about vehicle buying and vehicle loans, get information about all manner of subjects with regard to cars and loans, and much, much more. When you fill out an application on our web site, we will transmit that application to one of the dealer or lender affiliates in our network. In most cases, we will only transmit your application to one affiliate… but in some cases, it may be more than one depending on what services you are asking for.

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Why FederalAutoLoan.com is the better choice for you

Posted 8/13/2012

FederalAutoLoan.com offers a free, no obligation service to our customers. We want to thank you for using our site and hope that it serves you well for all your car buying and auto finance research and needs.

At FederalAutoLoan.com, we want to make sure that you, as a consumer, are well informed about all aspects of the vehicle financing and buying process. That includes understanding about what we do and how our program works. Our web site is filled with all manner of articles, calculators, videos, and research data and more to help you make a better decision when it comes to car purchasing and obtaining financing for the vehicle you are buying.

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FederalAutoLoan.com presents: 10 Tips on Getting Financing for a Car

Posted 8/13/2012

FederalAutoLoan.com is all about helping you get the loan you want for the car or truck you need. Our national network of lenders and dealers are experts in helping people with less than perfect credit get a car and the financing to enable you to buy it. But perhaps you’re uncertain whether or not you can qualify for a loan. Well the fact is that there are things you can do to help improve your chances of qualifying for a car loan. And while the list below is by no means exhaustive, it does give you some good ideas on how to improve your chances of getting a loan approval – even a bad credit car loan.

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Recent Articles

The Recent Articles section of Federal Auto Loan is dedicated to providing you the most recent information on car buying, auto loans, and vehicle refinancing. If you are looking to buy a car, refinance an auto loan, or simply find financing for an auto purchase... our recent articles and information may be able to help you through the processes! At FederalAutoLoan.com, we are dedicated to helping our users find the auto financing or car loan refinancing they are looking for. We are a consumer connection company that is all about helping you get great auto loan quote options from our national network of lenders and dealers.

 Car Insurance Coverage Options

Posted 5/5/2014

Auto insurance is designed to assist us when unexpected financial issues arise as a result of an accident or other auto-related problems. Most of us are not financially able to handle huge medical bills or expensive car repairs, so that’s where insurance comes in. Though you probably have car insurance, how can you know your options and the difference between them? Keep in mind that specific laws regarding insurance will vary from state to state, but here are some of the basics.

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 Negotiate the Price of a New Car

Posted 4/14/2014

New cars are known for their high price tags and their significant depreciation within the first couple of years. So, down the road, much of the money you dropped for that new car would be wasted because the value of that now not-so-new car has gone down so much. So, if your heart is set on buying a new car, you must negotiate that sticker price in order to save some money.

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 Don't Get Turned Down for a Bad Credit Car Loan

Posted 4/4/2014

Frustration, and even embarrassment, can sometimes go hand in hand with bad credit car loans. See, if you have bad credit, and are in need of a car, you may already know how difficult it can be to get the loan you need. It may seem as though no lender is willing to listen to you, and understand your situation. This is why FederalAutoLoan.com would like to help. With these tips, we hope that you can avoid being turned down for a bad credit car loan… and perhaps we can even connect you to the lenders and dealers who want to work with you towards auto loan approval.

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 Online Car Connection Scams-Dont Let it Happen to You

Posted 3/31/2014

The Internet has made life easier in the form of giving us access to millions of products and services—and we don’t even need to leave the comfort of our own couch. We have so much available at the tips of our fingers, but so much can go wrong when you are desperate to get a car loan with bad credit. Though there are legitimate online car loan connection companies, there are some that would not have your best interests in mind. There are more and more online car loan connection scams that target those with bad credit—and we don’t want it to happen to you. So, here are our tips in avoiding a scam that could further your credit score struggles.

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 Bankruptcy Terms and Getting a Car after Filing

Posted 3/24/2014

As though filing for bankruptcy isn’t hard enough, you may have to give up your car to pay off your debts. Then, getting to where you need to be becomes an incredible hassle. Still, you may be able to get a car loan while you are going through a bankruptcy, or after you’ve filed. Here are some of the most common terms you will hear when going through a bankruptcy, and then suggestions for getting a car after filing.

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