Do you have bad credit? We're here to Help! Helping people with bad credit since 1998
Every day, we help people like you secure loans regardless of your credit rating. We’re here to help you find solutions to your financial needs.
Free To Try. There is no cost to request a loan on our site.
Responsible Lending. We are committed to educating our customers.
Privacy and Security. We protect your information with advanced encryption technology
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• 1 Application with up to 4 loan offers in minutes
• Apply online, 24/7 in the convenience of your home or office
• Lowest interest rates available – average customer saves $2000 in interest charges
• Get approved and have financing in place before going to a dealer
• Refinance and lower your current interest rate and payments or even skip a payment
• Also offering Private Party and Lease Buyout loans
• Fast & free - No fees or obligations
• Private, secure and confidential
The following list represents the general qualifications for the successful processing of a loan offer request.
You and/or co-qualifier must be at least 18 years of age
Minimum income of $1,800 per month or $21,600 per year
Lives in a state where we are currently doing business, (we are in 48 states, not in Alaska or Hawaii)
MinimumVehicle Requirements: 125,000 maximum mileage, 10 years old or newer
Minimum Loan Amount $8,000.00 to Finance or Refinance
FICO scores of 500 or greater
Applicant has not submitted a loan offer form in the past 31 days for the same loan type
Customers intent when submitting the loan offer form was to finance a new or used vehicle or refinance an existing vehicle
Note: These guidelines are Horizon Digital Finance, LLC's general qualifying guidelines and not those of participating Lenders or Credit Providers. These guidelines are subject to change without notice at any time. You can still submit a request for offers even if you do not meet one or all of the above guidelines. Meeting these guidelines does not guarantee approval or acceptance of a loan or financing product by Horizon Digital Finance or participating lenders. If you do not meet all or part of the above guidelines and submit a request for offers the ability for us to match your profile to a participating Lender or Credit Provider is greatly reduced, we may not be able to identify a lender to forward and review your request for an offer.
When you open your account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
2 Bureau Rental Reporting Rental Reporting Program -Do you rent a home or apartment? -Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credif profile and increase that credit score. -Report the past two years of rent payments for a possible boost to your credit score! -Pricing: $8.95 Monthly (Keeps Trade Line Open) - $25 One time set up fee - Optional: $99 Historic Reporting -Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy! -We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score. -You’re spouse or roommate can also enroll and gain the same benefits of rental reporting. Plus you score a free $15 gift card for each person you refer and enrolls with Rock the Score!