DriveTime: Auto Loans That Meet You Where You Are

DriveTime Auto Loans are built for real people with real challenges—and a desire to move forward.

Buying a car with challenged credit doesn’t have to be complicated. DriveTime Auto Loans are designed specifically for customers who need a second chance—or even a first one. As a dealership and lender combined, DriveTime offers flexible auto loans that focus on helping you move forward.

This page will walk you through why DriveTime is a strong option for buyers with credit issues, what you’ll need before applying, and how the process works from start to finish. If you want transparency, control, and support—DriveTime can deliver.

Why Choose DriveTime Auto Loans?

• In-house financing available directly through DriveTime dealerships.
• Specializes in helping customers with bad credit, no credit, or past repossessions.
• Easy online prequalification with no credit score impact.
• Large inventory of used vehicles with warranty coverage included.
• Approval process designed to be fast, honest, and pressure-free.
• Every car comes with a free AutoCheck vehicle history report.
• 5-day return guarantee and flexible down payment options.

Why Consider Auto Financing?

• Get a car now even if your credit isn’t ideal.
• Makes ownership possible with low or no traditional bank requirements.
• Build or rebuild credit with consistent on-time payments.
• Avoid the strict rules of big banks and outside lenders.
• Access vehicle inventory and loan options in one place.
• DriveTime reports to major credit bureaus to help improve your score.

What to Know Before You Apply

• DriveTime finances used vehicles only—no new cars available.
• You’ll need proof of income, residence, and a valid U.S. ID.
• Your credit score won’t be impacted by prequalification.
• Use DriveTime’s online tools to estimate your monthly payments.
• Down payments vary by vehicle and approval terms.
• All vehicles are inspected and include limited warranties.
• You can apply completely online or at a local dealership.

How to Apply for a Loan with DriveTime

1. Go to DriveTime.com and click “Get Approved.”
2. Enter basic info to see what you qualify for—no hard credit pull.
3. Browse personalized vehicle options based on your approval.
4. Visit the nearest DriveTime location or complete your purchase online.
5. Submit documents like proof of income and identification.
6. Review loan terms, vehicle details, and warranty coverage.
7. Sign your financing agreement digitally or in person.
8. Drive off in your car—financed and ready.

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