Bad Credit Financing near Philadelphia, PA

VIP Auto Outlet

Simple Steps to Getting an Auto Loan with Bad Credit:

Fill out our Finance Application. We have a simple online form you can complete from home. Once you submit, someone from our team will contact you to talk about the next steps. Even if you have a less-than-ideal credit score our network of lenders and dedicated team is ready to work with you.

Schedule a test drive. You can explore all of our quality used vehicles online either before or after you fill out the finance application. One thing to keep in mind is not to have other dealerships run your credit right before visiting us. If you have multiple dealerships running your credit you might not be able to get the best interest rate or term.

Show proof of income. Here at VIP Auto Outlet we understand that many of our customers have different forms of income so whether you have a traditional W2, are self-employed, or have military benefits, see the list below for what you’ll be asked to show as proof of a steady income when you visit us.

W-2 Employees – 2 of your most recent paystubs dated within 30 days.

For SSI/SSDI – You must bring your Social security award letter (current year) or pension stubs

Military / Death Benefits / Child Support/ Retiree – 3 months recent bank statements showing your monthly direct deposits

1099/Self-Employed/Business owners/Contractors - 3 of your most recent bank statement showing cash inflows and outflows (must show the full bank statement – ALL PAGES INCLUDED)

Unemployment – You must gross $2,000 monthly, before tax withholdings and must be the standard unemployment, not the PUA 2 most recent stubs or 3 recent bank statements showing the direct deposits

Show proof of identity and residence. Make sure you also bring a valid driver’s license along with recent utility bills (dated within 30 days) for your current address and the lease agreement if you are renting.

Enjoy your new-to-you vehicle! We are proud to have had the opportunity to work with customers from throughout New Jersey and Pennsylvania. Once all of the paperwork is completed you’ll be on your way with the freedom and peace of mind that comes with a quality vehicle. Trust VIP Auto Outlet for a simple and straightforward experience.

Bad Credit Financing near Philadelphia, PA

Dealership Information

Frequently Asked Questions

Can I get a car with a 500 credit score?

Yes, you can buy a used vehicle of your choice and take it home today with a credit score of 500. The credit score range of 500-550 is considered subprime, which makes it more difficult but not impossible. In most cases you will need to make a down payment of at least 10-15% of loan value.

Which car dealership is best for bad credit?

Vip Auto Outlet is the best used car dealership with bad credit financing in and around Maple Shade, NJ. We have very flexible financing options and helpful staff with 17 years of experience in bad credit used car financing. We’ll find a financing solution that fits exactly into your individual situation and set you driving the car of your dreams home today.

Can I get a car with a 450 credit score?

Yes, you can still buy a used vehicle with a credit score of 450. With a credit score range of 450-500 your monthly income should be about 4 times the monthly loan amount. Also, you will likely need to make a down payment of at least 25-30% of the loan value.

What is the lowest credit score to buy a car?

There is virtually no limit on how low a credit score can get. Even a credit score of 350-400 has the possiblity to be approved for financing. The key is to have a sufficient, stable, and reliable source of income and as much of a down payment as possible. These factors help show that you are in a good position to pay back the loan on the vehicle.

How can I get a car with bad credit fast?

Gather up proof of income and residence. Fill out the finance application. Come over to Vip Auto Outlet to explore our inventory and take a test test drive. If you start doing that in the morning, we’ll try to make you a financing offer on the spot the same day.

Can I finance a car if I have a bankruptcy?

Yes, Vip Auto Outlet has worked with clients going through bankruptcy. There is an approval process that usually could take anywhere from a few weeks to 2-3 months depending on how busy courts are and how promptly a legal pipeline will process your motion. You will need to:

1) Get the term sheet from your lawyer

2) Rolls Auto Sales will offer you loan terms in writing

3) Terms must be approved by a trustee

4) Your lawyer will file a motion to the court

5) Court finally makes a decision and approves the car loan.

Testimonials

Highly Recommended!

Latoya Parnell

1-7-2026

“ I had a great experience getting my car from this dealership. Mike and Charlie were amazing—professional, friendly, and truly focused on getting the job done. They made the entire process smooth and stress-free, answered all my questions, and worked hard to make sure I left happy. I really appreciate their honesty and dedication. Highly recommend asking for Mike and Charlie if you’re in the market for a vehicle! ”

Absolutely outstanding!!!

Shellene DeVaughn

1-1-2026

“ Mike was absolutely outstanding!!! Professional, and accurate. Our experience was wonderful! Thank you Mike, we will be referring others!! ”

Thanks again to VIP AUTO!

Charelle Floyd

12-27-2025

“ A huge thank you to Charles Klaus (Rice)... Major help to me and my family. He really made it happen! I am about to pick my little baby in our new ride, she will be happier than I. Thanks again to VIP AUTO! ”

Very good dealership

luis a rodriguez jr

12-13-2025

“ Very good dealership. Awesome staff especially Mike Calderon. He is very knowledgeable and explains the process and is very down to earth ”

You Guys Rock!

D A

11-20-2025

“ Found a 2016 Civic here with LOW LOW mileage, and in great condition. Mike took me out for a test drive and after looking it over, I was instantly set on it. Charlie has got to be the best finance guy I've ever encountered, got me exactly what I needed. Shoutout to Mike, Charlie and everyone at VIP auto, you guys rock. If you're looking for a car DO NOT skip a trip to VIP auto. ”

Shoutout to Mike, Charlie and everyone at VIP auto!

DA

11-17-2025

“ Found a 2016 Civic here with LOW LOW mileage, and in great condition. Mike took me out for a test drive and after looking it over, I was instantly set on it. Charlie has got to be the best finance guy I've ever encountered, got me exactly what I needed. Shoutout to Mike, Charlie and everyone at VIP auto, you guys rock. If you're looking for a car DO NOT skip a trip to VIP auto. ”

Great Experience!

Tashia Price

11-10-2025

“ Mike was awesome ”

Thank you VIP for the help!

Will Sheppard

11-3-2025

“ Highly recommend, Mike and Charlie made my first time car buying experience a breeze. I was hesitant with financing because I’ve always bout of my vehicles but this is experience has been made painless . Now I’m driving away in one of my DREAM cars !!! Thank you VIP for the help and gettin me in my dream car !! ”

Very Helpful

Kiem Robison

11-1-2025

“ Sales people were very nice and helpful ”

Phenomenal!

Samiria Watson

10-31-2025

“ Mike was phenomenal! He answered every question I had & was very attentive to my needs while trying to buy a new car ”

Extremely helpful

Aaron Wroten

10-25-2025

“ Mike and Chalie were extremely helpful so grateful to have met them!!! Pulled up in a uber & left no issues they didn’t stop till they got us a car!!! Thank you guys ”

Highly recommended!

Will Sheppard

10-24-2025

“ Highly recommend, Mike and Charlie made my first time car buying experience a breeze. I was hesitant with financing because I’ve always bout of my vehicles but this is experience has been made painless . Now I’m driving away in one of my DREAM cars !!! Thank you VIP for the help and gettin me in my dream car !! ”

Super Helpful!

Spark Plug

10-10-2025

“ Charlie Rice was AWESOME!!! SUPER HELPFUL, SUPER PROFESSIONAL, SUPER PATIENT!!!! Recommend Charlie and V.I.P. Auto Outet to anyone looking for a quality vehicle!!! ”

Awesome to work with

Eddie Smith

9-19-2025

“ We have purchased several vehicles and sold them several vehicles since 2012. The owner is an awesome person and all of his employees are wonderful to deal with and have never had issues with our vehicles. Just finished taking delivery of a vehicle today. Ask for Charlie in the sales department he was also awesome to work with. ”

Awesome!

Carlos Rivera

8-22-2025

“ This is the best place on earth to buy a car! Mike was awesome explaining every detail. He was nice, friendly, and patient. And Charlie the manager was fenomenal helping me with the financial agreement. If you are looking for a place to get your car, THIS IS IT! ”

This dealer is very professional.

Najay Mclean

6-10-2025

“ This dealer is very professional. Mike was super helpful he really put me in a position to get my dream car, forever grateful ”

Wonderful Car

Alejandro Maldonado

6-7-2025

“ Mike has done a great job in helping us obtain a car suitable to our needs and payment thank you for keeping helping kind and patient. thank you for this wonderful car very please ”

Very Helpful

Amayah Carango

6-5-2025

“ Great at talking and VERY HELPFUL 100/100 service Mike and Charlie were grate very friendly ”

Super Nice!

Antonio L Miller

6-4-2025

“ They were above & beyond their own standards I’m a two car buyer and they were super nice to us and they are great. ”

Excellent Service!

Jason Dekorte

6-3-2025

“ Excellent service and very kind. ”

Bad Credit Financing near Philadelphia, PA

Dealership Information

Contact Information

Frequently Asked Questions

Testimonials

Highly Recommended!

Absolutely outstanding!!!

Thanks again to VIP AUTO!

Very good dealership

You Guys Rock!

Shoutout to Mike, Charlie and everyone at VIP auto!

Great Experience!

Thank you VIP for the help!

Very Helpful

Phenomenal!

Extremely helpful

Highly recommended!

Super Helpful!

Awesome to work with

Awesome!

This dealer is very professional.

Wonderful Car

Very Helpful

Super Nice!

Excellent Service!