Special Finance Car Loans

It's easier than you think! Now there's a way to get a special finance auto loan for a new or used vehicle even if you have a sub prime or bad bureau history. With our Special Finance Auto Dealer associates, there is no hassle, no waiting, and no pressure. In fact, you can submit a sub prime auto loan request online! We're the experts on bad credit, so let us make it easy for you.

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Submit an online special finance auto loan application and get pre-approved to buy a car at one of our special auto dealers in the US or Canada.	After you send your application one of our special finance auto dealers will process your subprime car loan request. Same day approvals are common.	A local car dealer representative will inform you of the required documentation needed to complete your special finance car loan package.	Visit the auto dealership, select a new or used automobile, and close your loan. You can buy a car in less than 24 hours.

Nationwide our service has closed over 1 Billion Dollars in special finance auto loans for people with sub prime, or bad bureau scores. We're the only company processing special finance car loans inside select new and used car dealerships across America and Canada. We overcome most sub prime problems by providing simple, special services for first time buyers, people with bankruptcy, or bad credit.

ACE dealers work with the largest special finance lenders to ensure each applicant gets the right auto loan based on their bureau history.

ACE is not a subprime auto finance company. We are a car buying service for people with bad credit.

When you are buying a new or used vehicle it is very important that you do not financial overextend yourself. If you have a low bureau score, one of the best ways to raise it is to obtain financing and make the monthly payments on time. Lenders have formulas to calculate the maximum allowable payment. Following is a general rule to follow to make sure you do not over extend yourself.

First, divide your income by 2, if you make $3,000 per month that would leave you with $1,500 disposable income. From your disposable income subtract off any monthly payments that you currently have, for example rent, telephone and utility bills, and vehicle insurance. Note: depending on your age, where you live, and the vehicle you select, the insurance payment may be as high as the vehicle payment, make sure you know how much you will have to pay for insurance before you agree to a new vehicle payment.

After completing the calculations above you should have a good idea of how much you can pay each month for a vehicle.