Close Bad credit, no credit, great credit
Bad credit, no credit, great credit
Apply for a car loan
Fill out our secure application to lock in your rate today. This will not affect your credit score.
6 Reasons to get pre-approved for a car loan
A car loan pre-approval saves you time, money and gets you into a new car fast! Sound National Lending works with over 35 different lenders to find the absolute best loan for you - no matter what your credit history is.
Save time at the dealership
Pre-approval saves at least an hour of waiting during the car buying process. When you walk into a dealership pre-approved, you'll drive off the lot in record time.
Know how much you can afford
Don't waste time test driving cars only to find they're out of your price range. When you get pre-approved, you'll know right away which cars you can afford.
Shop with confidence
When you have low, no, or bad credit, shopping for a car can be scary. Pre-approval ensures you don't have to worry about being turned for a loan.
Reduce car buying stress
Instead of making quick, last minute decisions at the dealership, you can work out of all your car budget details in advance.
Get your rate now.
When you apply online, you don't have to wait till you go car shopping to find out your rate. Apply now and one of our Finance Specialists will contact you with options within 24 hours.
Does not affect your credit score
The pre-approval process is not a "Hard" credit inquiry, so it will not adversely affect your credit score.
How it Works
Apply Online
Complete our easy and secure online car loan application to get behind the wheel of your next car, fast.
We work our magic
Sound National Lending negotiates with over 35 lenders to get you the best car loan possible.
Find your car
Search our huge inventory of low mileage cars.
Sign the paperwork
Test drive your favorite cars and sign the paperwork.
Drive Away Happy
Drive off the lot feeling confident you got the very best car loan possible!
Frequently asked questions
Can I get pre-approved for a car loan if I don't have good credit?
Yes! If you have low credit, no credit or even bad credit, we will help you get pre-approved for a loan that's right for you. This includes credit issues due to divorce, separation, foreclosure, bankruptcy, repossession, collections, and extra help for U.S. citizens.
I'm self-employed. Will I be able to get a car loan?
Yes! We know that it can be tricky to get a loan when you work for yourself. Sound National Lending admires your entrepreneurial spirit. We'll find you a great car loan so you can get back to running your business.
I'm currently a student with little or no credit history. Will I be able to get pre-approved?
Yes! Sound National Lending specializes in helping students get on the road in their very own car.
I'm currently a student with little or no credit history. Will I be able to get pre-approved?
How long does it take to get pre-approved?
Does pre-approval guarantee a car loan?
Yes! once you are pre-approved, you are guaranteed a specific loan amount, term and rate for a certain amount of time - usually 60 days. This is different from being pre-qualified for a car loan, which does not guarantee anything.