Attention all car buyers! Don’t let a low credit score stand in the way of owning your dream car. With our 3rd chance car loans, you can finally say goodbye to credit score worries. Our credit specialists are here to help determine your eligibility and guide you towards the perfect financial solution from the top institutions. No matter what your financial situation is, we have an option for you. Take the first step towards driving off in your dream car and check your eligibility now!

Don't Stress. Get Your Car Financed Today!

JourneyApproved offers 3rd chance auto financing with low rates regardless of credit score. We find the best financing solution for you, helping you rebuild credit and own your dream car. Contact us to start your journey.

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Fill out our application form today and leave the rest to us! Our application process is simple, fast, and 100% free.

third chance auto financing

Get the Auto Finance and Rebuild Your Credit

Looking for the perfect auto financing solution? Look no further than JourneyApproved, the experts in vehicle financing. Whether you’re shopping for a new or pre-owned car, we offer the best possible terms to help you get behind the wheel.

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Our flexible and affordable financing solutions, including first and third chance auto financing, have helped thousands of customers secure the financing they need for their dream car.


At JourneyApproved, we make the financing process simple and fast, so you can focus on the excitement of your new ride. You can even start your application for 3rd chance auto finance online, right from the comfort of your own home.

Trust JourneyApproved for the best possible terms on your next auto financing experience.

Why Choose Us?

Whatever your credit history, when it comes to 3rd chance auto finance, JourneyApproved makes your dream of owning a certified or used pre-owned vehicle come true.

Here are three reasons you should consider us:

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Quick Loan Approvals

Get the fastest 2nd and 3rd chance auto finance with JourneyApproved.

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Best Deals Negotiated

Our team of qualified experts negotiates the best loans for you.

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Credit Rebuilding

Not just financing your car. We aim to help in rebuilding your credit to avoid future troubles!

3rd chance auto financing at JourneyApproved

How Are Third Chance Car Loans Beneficial?

If you have run out of options for car financing, third chance auto financing might just help you get your dream vehicle. Here are some reasons why:

  • Provides Access To Financing: Third chance loans are your best bet when you need a vehicle at low rates but can’t get it through a regular loan.

  • Bad Credit Acceptable: Your credit score does not prevent you from getting this form of financing, and you can qualify for this loan with a low score.

  • Simple Eligibility Criteria: If you are willing to pay a higher interest rate to compensate the lender for the risk, JourneyApproved can ensure you get a lender.

  • Purchase Expensive Vehicles: You can think of buying a vehicle that is otherwise outside your budget with third chance financing.

  • Build Your Credit: If you make your payments regularly and on time every month, you keep building credit with 3rd chance auto financing.

Go For Your Car Loan!

Want a car loan? Provide basic information and get your car loan application processed in under three minutes. Forget the stress and apply now!


If you have credit issues and don’t qualify for a traditional auto loan, then you can get a vehicle using 3rd chance car loans. Since these loans are offered to those having a credit score between 580 and 669, they are known as Subprime auto loans. 

There is no standard structure of 3rd chance auto financing, it varies widely from lender to lender. You might need a minimum credit score and income level to be eligible for some loans. Other lenders may not require a credit score but may have an income requirement. 

Most 3rd chance car loans don’t require a minimum credit score from applicants. However, there are certain restrictions. If you are bankrupt or don’t have a regular source of income, your application is likely to be rejected.

Defaulting in payment of your 3rd chance car loans would affect your credit score even more. In extreme situations, you may have to sell your vehicle to repay your loan. To avoid such situations, make sure you have sufficient funds to cover all monthly payments. 

Want Vehicle Loans but have the Lowest Credit Scores?

Don’t stress. JourneyApproved can make this possible for you. Apply for your dream car today!