Your credit score can climb slowly on its own if you've had past credit problems, though it's likely to climb back up faster if you introduce some "good news" into your report in the form of positive credit activity. Almost anyone can get approved, but it is our goal to get you approved for a loan you can afford, not one that will put you deeper into trouble. When you make regular, on-time payments on a loan you can afford, your credit score is going to climb higher and higher because you are proving financial responsibility. Customers with bad credit, no credit, bankruptcy, and repossession have gotten approved with our help. We have partnerships with lending agencies and auto dealers from coast to coast who are waiting to approve bad credit car financing customers. When you get approved, you can have a quality new car, as well as begin working to raise your credit score steadily.