Bad Credit Auto Loans

Just because you have bad credit or no credit does not mean you cannot get the vehicle you want. At J & S Mitsubishi we make that dream come true with special financing, rates from 0% APR* (subject to credit approval).

J & S Mitsubishi is your local leader with helping clients with bad credit secure auto financing. We want to help you.

J & S Mitsubishi has financing options available for a wide variety of new and pre-owned vehicles.

Start the process today and fill out our application below. Avoid the hassle, and apply today!


Frequently Asked Questions

Q: What if I have a trade in?
A: New Jersey Approval powered by J&S Mitsubishi welcomes trade-ins! Whether you still owe money on your current vehicle or have a clear title, we can help.

Q: What if I have a repossession?
A: Many of our customers have had repossessions in the past; our goal is to help you re-establish your credit.

Q: What if I have a bankruptcy?
A: We understand that bad things happen to good people.  So whether you have a discharged Chapter 7 or an active Chapter 13 bankruptcy, we have many lenders that specifically specialize in bankruptcy auto loans for people who have this specific need.

Q: What if I don't have money to put down?
A: We have money programs that either allow you to put little money down or even no money down at all!

Q: Do you report to the major credit reporting agencies?
A: All of our loans are 100% bank financed and payment history is reported monthly.  Some places will tell you they do.  Not disclosing that only after the loan has fully been repaid.

Q: What if I'm a first time buyer?
A: How exciting for you!  To make your first experience as hassle-free as possible, we have many programs for first time auto loans.

Make an Inquiry

*0% APR available up to 72 months on select in stock models.  With approved credit.  $13.89 per $1,000 financed regardless of down payment.  See dealer for complete details. 

All payments do not include tax, tags at signing. Available through Ally Financial, subject to approved credit and insurance. Lessee is responsible for maintenance, repairs, excess wear, and $0.20 per mile over 12,000 miles/year. Not all customers will qualify. Buyer is responsible for maintenance, repairs outside warranty. Price, terms and vehicle availability may vary. Other lease terms/details apply. Lease payments include Trade in equity of $2017 Lease for 47 months and include $6500 cash down. At J & S Mitsubishi you get transparent prices with our True Market Pricing.True Market Pricing keeps pricing competitive to offer you the lowest prices possible. You can be sure you are getting the best deals at J& S Mitsubishi because of our True Market Pricing.