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.

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*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.