DriveTime Auto Loans: A Path to Approval When Others Say No

DriveTime Auto Loans specialize in in-house financing for used cars, offering flexible terms and support for buyers with all credit types.

Financing a vehicle can feel challenging, especially if you’ve had credit issues in the past. DriveTime Auto Loans make the process easier by offering in-house financing tailored for buyers with all kinds of credit backgrounds. With a large inventory of used vehicles, DriveTime gives drivers more ways to get on the road.

This guide explains why DriveTime is different, what you should prepare before applying, and the steps to move from application to approval. If traditional lenders have said no, DriveTime provides an alternative path to ownership.

Why Choose DriveTima Auto Loans?

• In-house financing—no third-party lenders involved.
  
• Approval available for buyers with poor or limited credit history.
  
• Wide selection of used vehicles at DriveTime dealerships.
  
• Pre-qualification available without a credit score impact.
  
• Affordable down payment options to fit your situation.
  
• Free AutoCheck® vehicle history reports included.
  
• 5-day return policy for added peace of mind.
  

Why Consider Auto Financing?

• Drive a vehicle sooner without paying the full price upfront.
  
• Spread the cost into affordable monthly payments.
  
• Improve your credit score with consistent on-time payments.
  
• Access a larger selection of vehicles through financing.
  
• Keep your savings available for other priorities.
  
• Get structured terms that make budgeting easier.
  

What to Know Before You Apply

• DriveTime specializes in used car financing only.
  
• Proof of income and residency will be required.
  
• Credit challenges are accepted, but terms vary by profile.
  
• A down payment is often required to secure approval.
  
• Co-signers are generally not accepted—loans are individual.
  
• Use DriveTime’s calculators to preview estimated payments.
  
• The process can be completed online or in-store.
  

How to Apply for a Loan with DriveTime

1. Go to drivetime.com and click “Get Approved.”
   
2. Complete the online pre-qualification form.
   
3. Review vehicles that match your approval terms.
   
4. Visit a DriveTime dealership or continue online.
   
5. Provide your ID, proof of income, and address.
   
6. Review financing terms offered by DriveTime.
   
7. Sign the agreement electronically or at the dealership.
   
8. Pick up your vehicle and start driving the same day.

When you click, you will be redirected