In addition to the standard bad credit car loan guidelines with all online lenders:

 Car Loan Applicants must be a minimum of 18 years old.

 Loan Applicants must have a current valid US drivers license.

 Individual Car Loan Applicants must earn a minimum of $1,600.00

 Joint Car Loan Applicants must ear a combined income of $2,400.00

 Minimum Car Loan acceptance of $7,500.00 is required.

 Cash Vouchers, also known as Bank Drafts, must be used at a *franchised car dealership.

* (only by exception can a cash voucher be used with a strong independent dealer)

When underwriting a bad credit car loan for approval/decline decision these factors are considered:

 Car Insurance must be verified or purchased at delivery.

 Car payment cannot exceed 20% of gross monthly income; new vehicle payment totaled with your current monthly payments must not exceed 50% of your gross income.

 Chapter 7 or 13 Bankruptcy must be discharged.

and, of course:

 Equity deficit in your current vehicle must be paid or traded prior to new purchase or incorporated into the refinance of a new loan on your current vehicle.

 The severity of your credit may affect down payment requirement on a new vehicle.

 All Bad credit car Loans are subject to lenders approval.