Loans for Every Situation.

Bad credit? No problem.

Upside down on your trade? We’ve got solutions.

Short on a down payment? Help is here.

Get Auto Loan!

Drive Your DreamCar with Seattle's Best Financing

Finance Made Easy 25+ Years of Trusted Approvals

For over 25 years, we’ve been trusted finance experts across the USA—helping customers nationwide get approved regardless of credit.

Thanks to our long-standing relationships with top lenders coast to coast, we can match you with the right loan whether your credit is excellent, challenged, or somewhere in between.

Got a verifiable Job?
Approved!

Got some cash or trade?
‍Approved!

Previous reposeeson?
No problem

Open or closed Bankruptcy?
No Problem

ITIN?
We got you!

Self-Employed?
No Problem

Down Payment Assistance

Struggling with the Down Payment? We’ve Got You Covered!

Get Started

Negative Equity Solutions

Struggling with Negative Equity? We Have Solutions

If you owe more on your car loan than your vehicle is worth, you’re not alone, and we can help.Here are a few ways we make getting into a new ride easier:

Trade-In Assistance: We’ll help you trade in and apply your current loan toward a new or used vehicle.
Down Payment Support: Get help with your down payment to reduce what you owe.
Flexible Financing Options: We work with lenders who understand negative equity and offer solutions that fit your budget.
Cash Incentives: Use special rebates and offers to help cover part of the difference.
Personalized Plans: Whether it’s refinancing, leasing, or a private sale, we’ll guide you every step of the way.

Fast approvals

Programs for all credit types

Drive away with confidence

Don’t stay stuck — talk to us today about your options!

Get Started

Solutions for Negative Equity in Car Loans

Auto Repair

Auto Repair Financing Made Easy

Unexpected car repairs shouldn’t put your life on hold. Our Auto Repair Financing program helps you get the repairs you need today, and pay over time with flexible, affordable payment options. Whether it’s a major engine fix, brake replacement, or routine maintenance, we provide quick approvals with minimal paperwork.

Fast approvals, often within minutes
No credit or bad credit? No problem
Low or no down payment options available
Manageable monthly payments to fit your budget
Keep your vehicle safe, reliable, and on the road

Don’t delay critical repairs. Apply today and drive with confidence!

Get Started

Affordable Auto Repair Financing Options

Insurance Deductibles

Cover Your Insurance Deductibles with Ease

Don’t let unexpected expenses slow you down. We offer simple and flexible financing options to help you cover insurance deductibles and get back on the road without breaking the bank

Get Started

Cover Your Insurance Deductibles with Ease

Collision Repair

Stress-Free Collision Repair Financing

Flexible Payment Plans: Convenient financing options tailored to your budget.
Quick Approval Process: Fast access to funds for immediate repairs.
Trusted Repair Partners: High-quality service from certified repair shops.

Get Started

Finance
Wheels &
Tires

Wheels and Tire

Easy Financing for Wheels and Tires

Easily finance your new wheels and tires.
Get approval fast and start your upgrade.
Ensure safety and style with high-quality wheels and tires.

Get Started

Our Happy Clients

Fiver Star Testimonial WeFinanceUSA ICON

Bad Credit Approval Success

“I honestly didn’t think I’d get approved anywhere with my credithistory, but We Finance USA proved me wrong. Filled out one quickapplication and had multiple offers in less than 24 hours. I was able toget into a reliable SUV with a payment I can actually afford. Thisservice is a lifesaver!”

Maria S.

Down Payment Assistance

“My old car finally gave out, but I didn’t have enough for a downpayment. We Finance USA connected me with a lender that helpedcover it. The process was simple, and I drove away in my new car thesame week. Highly recommend!”

James T.

Negative Equity Relief

“I was upside-down on my trade-in and thought I’d be stuck for years.We Finance USA found a dealer and lender who worked together toroll me into a newer, more affordable car. I couldn’t believe howpainless it was compared to my last experience.”

Danielle K.

First-Time Buyer Help

“As a first-time buyer with limited credit, I was nervous about thewhole process. The We Finance USA team walked me through eachstep, and I ended up with a great interest rate and a monthly paymentthat fit my budget. They made it stress-free.”

Chris B.

Fast & Easy Process

“I applied online on a Monday morning, got a call that afternoon, andwas signing papers by Wednesday. Having multiple offers to choosefrom gave me control over my loan instead of feeling stuck with oneoption. A+ service.”

Alexandra R.

Help After a Denial Elsewhere

“Another dealership told me there was nothing they could do. I foundWe Finance USA, and within 2 days I had financing approved throughone of their lenders. Now I’m driving a car I love instead of stressingabout repairs on my old one.”

Brain L.

From Our Blogs

Negative Equity

Negative Equity Doesn’t Mean ‘No’ – Trade Smarter With We Finance USA

If you’ve ever tried to trade in your car only to hear the phrase, “You’re upside down on your loan,” you know how frustrating negative equity can be.