VISIT US · 8146 E 8 Mile Rd, Detroit, MI 48234

Bad Credit Car Loans in Detroit

Good credit, bad credit, no credit or a past bankruptcy: we work with all of it. Approval is based on your income and your down payment, not just a score.

Apply For Credit Call 313-891-8000

Used car financing built around your income

Matthew's Stop and Look Auto Sales has helped Detroit drivers get into reliable used cars for more than 18 years. A low credit score is not the end of the conversation here. We look at what you earn and what you can put down, then match you with cars on our lot that fit that budget.

We accept every kind of steady income: W-2 paychecks, self-employed and 1099 income, SSI and disability, retirement and cash income. First-time buyers and people rebuilding their credit are welcome.

What you need to get approved

  • A valid State ID or driver's license. That is the only must-have.
  • Proof of income and proof of residence if you have them handy. They can speed things up but are not required.
  • A down payment that works for you. We have $0 down options available on select vehicles.

Most customers drive home the same day. Applying online first takes about two minutes and means we can have options ready when you arrive.

Rebuild your credit with every payment

On-time car payments are reported and show lenders you are reliable, which can raise your score over time. Many of our customers use their auto loan as a first step toward rebuilding credit.

Have a trade-in? We take any make, any model, in any condition, running or not. Its value can lower your down payment or your monthly payment.

Cars you can finance today

See all used cars for sale in Detroit

Common questions

Can I get a car loan in Detroit with bad credit?

Yes. We work with all credit situations, including bad credit, no credit and past bankruptcy. Approval is based on your income and down payment, not just your credit score.

Do I need a down payment with bad credit?

Down payments vary by vehicle and income, and we have $0 down options available. Tell us what you can put down and we will show you cars that fit.

Will applying affect my credit score?

Our credit application is a hard inquiry, which can affect your score. We still encourage you to apply, because approval depends mostly on income and down payment.

How fast can I drive home?

Most customers drive home the same day. Bring your State ID, pick your car and we handle the paperwork on the spot.

Ready when you are

8146 E 8 Mile Rd, Detroit, MI 48234 · 313-891-8000