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Bad Credit Auto Loans in Michigan

Onyx Credit is an auto loan finance company focused on helping all used car buyers find funding, specializing in low to mid-tier credit profiles. If you’re looking for a bad credit auto loan, we’ve got options for you.

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Why Choose Onyx…

“Bad” credit happens to good people and that shouldn’t stop you from getting the car you need. We promise to work hard to find the loan options, terms and payments that fit your needs.

We understand that life can be unpredictable, and sometimes your credit score takes a hit. But just because you have a low credit score doesn’t mean you have to miss out on the convenience and freedom that comes with owning a car.

We believe in second chances. Our team of experts specializes in helping people with low credit scores secure the financing they need to buy the car of their dreams. We work with a wide network of lenders to find you the best possible loan options, regardless of your credit history.

Our easy online application process, you can apply for a loan from the comfort of your own home. Our team will work with you every step of the way to make sure you understand the terms and conditions of your loan, and we’ll do our best to get you approved quickly so you can start shopping for your new car right away.

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I cannot recommend Onyx Credit enough! They have been an absolute lifesaver for me. After a divorce, my credit was in shambles, and I didn’t know where to turn. Onyx Credit not only helped me get back on track, but they also provided me with the education and tools I needed to stay on top of my credit. I am forever grateful for their expertise and kindness.

John T.

I had never had a credit card or taken out a loan before, so I was completely clueless about credit. But Onyx Credit helped me every step of the way and made the process so easy to understand. They were patient, supportive, and really took the time to answer all of my questions. I now have a great credit score and feel confident about my financial future. Thank you, Onyx Credit

Mark S.

I was in desperate need of a new car, but my credit score was holding me back. Onyx Credit came to my rescue and helped me improve my credit score in a matter of months. Thanks to their guidance and support, I was able to secure a great car loan with a low interest rate. I am now the proud owner of a brand-new car and couldn’t be happier!

David H.

As a college student, I didn’t think that owning a car was in the cards for me. But Onyx Credit proved me wrong! They helped me establish credit and find a car loan that fit my budget. Now, I am able to get to class and work with ease, thanks to my reliable car. I couldn’t have done it without Onyx Credit!

Alex M.

I had always been hesitant to finance a car because of my poor credit score. But when my old car finally broke down, I had no choice. That’s when I turned to Onyx Credit for help. They not only helped me get approved for a car loan, but they also taught me how to manage my finances and improve my credit. Thanks to their support and guidance, I am now a proud car owner and on my way to a better financial future!

Samantha D.

Financing for Everyone

We believe in second chances. Our team of experts specializes in helping people with low credit scores secure the financing they need to buy the car of their dreams.

Simple Application Process

With our easy online application process, you can apply for a loan from the comfort of your own home. Our team will work with you every step of the way to make sure you understand the terms and conditions of your loan.

Great Selection of Used Cars

We have an extensive inventory of pre-owned vehicles from a variety of manufacturers, each of which has been carefully inspected and maintained to ensure maximum reliability and performance. Whether you’re in the market for a sedan, SUV, truck, or sports car, we’ve got you covered.

Top-Notch Support & Service

We understand that each customer’s situation is unique, and we’ll work with you to find the best loan options for your specific needs. Whether you have a low credit score, no credit history, or a recent bankruptcy, we’ll do our best to help you get the financing you need to buy the car you deserve.

Low Credit Auto Loan FAQs

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What is a bad credit auto loan?

A bad credit auto loan or low credit auto loan is a type of loan specifically designed for individuals with a low credit score. This loan is meant to help people with poor credit history secure financing to purchase a vehicle.

Who can apply for a low credit auto loan?

Anyone with a low credit score can apply for a low credit auto loan. The minimum requirements vary between lenders, but typically applicants must have a credit score below 600

What is the interest rate for a low credit auto loan?

The interest rate for a low credit auto loan is usually higher than that of a traditional car loan due to the increased risk for the lender. However, interest rates can vary greatly depending on the lender and the applicant’s credit history.

Can I refinance my low credit auto loan?

Yes, you can refinance a low credit auto loan if your credit score has improved or if you are looking for a better interest rate. Refinancing can lower your monthly payments and potentially save you money in the long run.

How long does it take to get approved for a low credit auto loan?

The approval time for a low credit auto loan can vary, but typically it takes anywhere from 24 hours to a few days. The process can be faster if you have all the necessary documentation ready when you apply.