Get a pre-approved auto credit loan even with no credit rating

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A couple of months ago my old trusty Datsun truck finally gave in. It’s funny how you develop a relationship with your car/truck over time. I had my Datsun since I was 17 and drove it till after college. We shared so many good (and bad) memories together. It is in my Datsun that I first kissed the girl of my dreams, while we looked out over lovers’ lane. That road trip, after high school with my mates in the back of my truck I will never forget.

Although old and unfashionable I loved my truck but as everything in life there comes a time when you have to let go, and after 10 years of loyal service, I had to finally say my goodbyes. Laugh all you want at this but I loved my truck, I really did.

Anyway I was suddenly faced with a bit of a problem. I tried to apply for automobile financing through numerous banks but all my auto credit loan applications got declined because I had  no credit rating. Jeez, what do you expect from a guy who just finished college? I was a poor student still looking for my first job. Like most students I had very little money to my name thus buying a new or used car was not something I could afford. I was in need of automobile financing but no one wanted to approve my loan. I really needed some wheels.

It started getting very embarrassing having my mom drop me off at my girlfriend's home and then my girlfriend driving me back home again. I started to worry just a bit. I needed to find an auto credit loan and fast!

I did ask my dad to lend me some cash, but his answer was we spent a small fortune on your student loan already – I felt bad about this so I was not going to push him.

Then it occurred to me. My friend Andrew, who was not much better off financially than I was at the time, recently bought a very nice used car. How on earth did he manage to get an auto credit loan, I thought to myself?

I decided to give Andrew a ring to find out how he managed to get automobile financing for his used truck. He said I could have saved a lot of effort for myself had I called sooner.

He told me about this great auto credit lender called Auto Credit Financial who is willing to give students with no credit rating a chance, to get some automobile financing. Big up to them, I might add, someone needs to give you a break if you have no credit rating. I mean how can you start building a credit rating if no one wants to give you any loans to start with?

Long story short I followed Andrews advice and went on over to Auto Credit Financials homepage.

I read up on everything I needed to know, it was pretty straight forward. I then went on, to apply for my auto credit loan, and guess what...they were willing to help!

They were willing to give me a pre approved loan, at a low interest rate. They offered me flexible and affordable repayments which I could payback over a period of 32 months (That’s 4 years!)  They even went as far as saying they would keep record of my timely monthly repayments to help me build a credit score. How nice!

With the help of Auto Credit Financial I now drive around with a 2008 Mazda Bantam truck. It is a pretty descent truck and I enjoy going on long Sunday afternoon drives with my new set of wheels .

I love my new Mazda truck and slowly I am getting over the loss of my old and trusty Datsun truck which I had for so long.

A big thank you to Auto Credit Financial for believing in me, while no one else did, and giving me the chance to get an auto credit loan even though I had no credit history. I would definitely recommend Auto Credit Financial to anyone struggling to find affordable automobile financing.


Hope you enjoyed reading.

Blog posted from Detroit, MI, USA View larger map
©Mark Hergert
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Credit Information Before You Buy


After years of delays, the credit industry finally agreed to give consumers access to their personal "credit scores." This is important, because lenders use credit scores to determine who to give credit to and at what rates. Knowing your credit score can be empowering,If it's low you can take steps to improve your credit worthiness and if it's high you may be able to use it as leverage when shopping for your next car loan.