Your job is your credit dealerships near me

Q: Is your job really your credit?

Where youre job is your credit” essentially means we take into consideration factors beyond your credit score when determining credit worthiness and interest rates. Do you have a job? Have you been working at the same place and dutifully making utility and rent payments for years?

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Get approved for auto financing in 3 easy steps
It's time to get in the driver's seat
Jaleise Detroit, MI
Lauren Cleveland Heights, OH
Joe and Wendy Grass Lake, MI
David Flat Rock, MI
Floyd Redford, MI
Leslie Roseville, MI
Mia Athens, OH
Kyle Buffalo, NY
Car buyer resources
How can I get a car with a credit score of 500?
Can I lease a car with no credit?
Is your job really your credit?
What do car dealers mean by your job is your credit?

Get approved for auto financing in 3 easy steps

Over the past 30 years, car dealers enrolled in the Credit Acceptance program have approved nearly 3 million bad credit and first time car buyers for auto financing. Here's how you can get started!

Fill out this quick form to start your credit approval.
Get connected with three local car dealerships enrolled in our program.
Visit one to get approved for your next car!

Fill out this quick form to start your credit approval.
Get connected with three local car dealerships enrolled in our program.
Visit one to get approved for your next car!

It's time to get in the driver's seat

Whether you've had bad credit from a few bumps in the road on your financial journey or are a first-time car buyer with no credit, neither should stop you from getting approval to purchase a vehicle.

The Credit Acceptance program gives enrolled car dealers the ability to say 'YES' to every customer, regardless of your credit history. And, since we report to the three major credit bureaus, you may be able to improve your credit with on-time car payments!

Jaleise Detroit, MI
When I got my first car, unfortunately I got into an accident with that car which caused me to file bankruptcy. Being able to get past all of this with bankruptcy, I'm thankful. And I'm more so thankful because Credit Acceptance allowed me to do that.
Lauren Cleveland Heights, OH
Early in life when I was 18 I got offered a lot of credit cards, and I didn't really understand the importance of credit and the role it would play in my life today and ultimately destroyed my credit. The work that Credit Acceptance does is truly making a big impact on people's lives. It definitely made a big impact on mine.
Joe and Wendy Grass Lake, MI
We needed a new car for our family, but didn’t believe anyone would give us credit. It meant a lot when Credit Acceptance gave us an approval for a reliable vehicle. Credit Acceptance treated us respectfully and with understanding to help us improve our financial (and emotional) situation.
David Flat Rock, MI
When we got approved it had a positive impact for me. It was nice to know Credit Acceptance was willing to take a chance on us, and I really appreciate it.
Floyd Redford, MI
Nobody really understands the struggle until you have to personally go through it. If it wasn't for Credit Acceptance, I can't say that I would be where I am today.
Leslie Roseville, MI
I was happy to be financed. After a period of time and by making on-time payments, my credit score, it went up, and now it's at almost 700. I realize I'm blessed, and I am thankful for Credit Acceptance.
Mia Athens, OH
Student loans can come back to bite you a little bit…Buying a car was nearly impossible…
Kyle Buffalo, NY
After graduating high school, I knew I needed some type of transportation to get to and from college. I had no idea what a credit report was, or what my credit score was. I don't think I'd have what I have if it wasn't for Credit Acceptance offering me that hand. Thank you, Credit Acceptance, for giving people with no beginning a start.

Car buyer resources

Valuable tools and resources designed to help car buyers with bad credit or no credit purchase a vehicle and learn more about building a positive credit history.

Credit Q&A >
Available payment options
Auto Loan Calculator >
Estimate monthly payment or auto price
Videos >
Frequently asked customer questions
Blog >
Information on credit scores for consumers

Videos >
Frequently asked customer questions
Blog >
Information on credit scores for consumers

How can I get a car with a credit score of 500?

With a credit score of 500-509, you should qualify for a subprime APR rate, which will be higher than someone with a 700 or 800 credit score. The average rate for a used car loan in the 500 to 509 credit score range is 16.85% (56.8% higher than the average rate for a new car).

Can I lease a car with no credit?

Yes you can get a car lease with poor credit. Simply complete our online application for personal or business leasing. We will ask you to submit some additional information to assess your ability to afford the monthly lease payments. Your poor credit history is therefore not an obstacle to car leasing.

Is your job really your credit?

“Where you're job is your credit” essentially means we take into consideration factors beyond your credit score when determining credit worthiness and interest rates. Do you have a job? Have you been working at the same place and dutifully making utility and rent payments for years?

What do car dealers mean by your job is your credit?

Instead of using your credit to approve you, these dealers are more interested in your income, hence the "your job is your credit" advertising. Basically, all you need to get approved is a steady job that earns you a qualifying income, a down payment, and a stable residence history.