Do you want to finance a car but only have less money to afford the down payment? Here are 7 car dealers in the US offering $500 down on a car no credit check.
Auto City Credit
Locations In Texas:
- 612 N Collins St, Arlington, TX 76011
- 6575 C F Hawn FWY., Dallas, TX 75217
- 3715 Forest Ln, Garland, TX 75042
- 940 N. Interstate 35 E, Lancaster, TX 75146
- 120 S Buckner Blvd., Dallas, TX 75217
- 908 S Buckner Blvd., Dallas, TX 75217
Minimum Requirement:
- Have a current job for a least 1 month.
- Income of at least $2000
- Minimum of 6 months residency within 60 miles of the DFW area.
- Your Photo ID (like drivers license, national ID, or passport)
- At least 2 – 3 months of your Pay slip
- Proof of Residence (mail or utility bill with your name and address on it).
Auto City Credit makes car buying straightforward and accessible, especially for those facing credit challenges. Their in-house financing eliminates the need for banks, providing quick approvals in as little as five minutes, without impacting your credit score.
You don’t even need a driver’s license to qualify. With down payments as low as $500, they offer a range of quality vehicles, including luxury brands, backed by a 24-month, 24,000-mile limited warranty.
They stand out with six convenient locations across Texas, offering modern facilities and online approvals for fast, efficient service. Their A+ BBB rating and customer service, including a 3-day money-back guarantee, show a commitment to customer satisfaction that’s unmatched. Visit them to find your ideal car today.
Check out these available cars from Auto City Credit if you live in Texas.
JBDNOW
Locations In Ohio:
- 777 Canton Rd, Akron, OH 44312
- 3420 N Ridge Rd E, Ashtabula, OH 44004
- 3000 Tuscarawas St W, Canton, OH 44708
- 1810 W 4th St, Mansfield, OH 44906
- 4536 Cleveland Rd, Wooster, OH 44691
Minimum Requirement:
- 3 most recent pay slip as proof of income
- Most recent phone or utility bill to show proof of residence
- Down payment
- Contact information for 3-5 personal references
- Trade title, if you have a trade-in (yes, we take trade ins!)
JBDNOW offers an accessible and flexible car buying experience, with down payments as low as $0, making it easier for you to get into a vehicle. Their inventory is updated daily, so it’s best to contact the dealership directly to check the availability of specific models.
To qualify for financing, you’ll need a valid driver’s license, recent pay stubs or proof of income, a recent utility bill for proof of residence, a down payment, and contact information for 3-5 personal references. JBDNOW considers various factors like income, expenses, and budget rather than just your credit score, making it possible for those with less-than-perfect credit to get approved.
JBDNOW accepts trade-ins in any condition, and you can use the trade-in value towards your down payment. They also allow co-signers, requiring both parties to present the necessary documents at the time of purchase. For specific vehicle features or more details, visit one of their locations or call the dealership directly.
Check out these available cars from JBDNOW if you live in OHIO.
Advantage Car and Credit
Locations In Ohio:
- 1951 S Dayton Lakeview Rd. New Carlisle, OH 45344
- 880 E. National Road Vandalia, OH 45377
- 1099 N County Rd 25A Troy, OH 45373
- 401 Woodman Dr Riverside, OH 45431
- 4508 South Dixie Dr Moraine, OH 45439
- 1230 East Main St Xenia, OH 45385
- 1184 Kauffman Ave Fairborn, OH 45324
Minimum Requirement:
- A valid state or government-issued ID card or current passport.
- Any Hard Copy Proof of income (Pay Slip, Check Stub, etc.).
- Proof of residency (rent receipt or a copy of a utility bill).
- Current Phone bill.
- Four references (with complete contact info).
- Title of a vehicle if you have a trade-in.
- Of Course $500 Cash for your down payment.
Advantage Car & Credit provides a hassle-free, low-pressure car shopping experience. Their team is dedicated to helping you find a safe, reliable, and appealing vehicle while offering a fully staffed service garage with discounted rates for ongoing maintenance.
The dealership excels in assisting customers with credit challenges. Understanding the impact of economic hardships on credit scores, they approve financing based on factors like job stability and income rather than just credit history. Their goal is to help you drive away in a dependable vehicle and rebuild your credit simultaneously.
Applying for financing is straightforward, with options to apply online, by phone, or in person. Required documents include;
- A valid ID
- Proof of income and residency
- References.
Advantage Car & Credit typically approves loans quickly, often enabling same-day driving. Their pre-approval process involves a soft credit pull that doesn’t affect your credit score, and a formal check for final approval to help report on-time payments to credit bureaus. This makes them a great choice for anyone looking to improve their credit while purchasing a vehicle.
Check out these available cars from Advantage Car & Credit if you live in OHIO.
Bottom Line
Financing a car with a low down payment is achievable through several reputable dealers across the US.
Auto City Credit, JBDNOW, and Advantage Car & Credit all offer accessible options for customers with varying credit backgrounds. These dealerships provide flexible financing terms, straightforward application processes, and additional benefits like warranties and quick approvals.
Whether you’re in Texas or Ohio, these dealers make it easier to get behind the wheel of a reliable vehicle while working towards rebuilding your credit.
If you find the car you would like to take on loan, you should make sure to first check your monthly payments using a loan calculator. You can use this comprehensive Auto Loan Calculator to play around with the down payments, trade-ins value to know if you should even consider taking the loan.
