Car Loans Based on Income Not Credit

What our Income Based Auto Loans can do for you.

Car loans based on income not credit!


EZ Term Auto Loans is your guide in automotive financing near you, despite the consequences of earlier credit issues.

Our service is Fast, Friendly and best of all, totally FREE!

Before you fill out our quick contact or application forms, please use our Prequalification Tool to get our opinion on whether you will be able to qualify for a loan.

If bad credit has been holding you back from purchasing a quality used vehicle, look no further. We can help you get the income based auto financing you deserve. We have a huge network of dealers and lenders all over the country that have helped countless numbers of people just like yourself drive great cars, used and new, while at the same time re-establishing their credit! Did we mention we can get you a quality used car with a warranty? Best of all, our service is FAST, FRIENDLY and FREE! There is definitely NO OBLIGATION by you, the buyer. Our job is to locate for you the vehicle you desire with the financing you need, all at a price you can afford.

Our service has helped countless people find a dealer to work with them, in spite of their previous credit problems. We handle almost every situation imaginable: Bad credit, no credit, repossessions, bankruptcy, charge-offs, divorce, slow pays, self-employed, SSI, and many others. Each persons situation is unique, and we handle it as such. We have small payment plans to fit just about every budget. We may even be able to get you driving today!

Let EZ Term Auto Loans find the dealer and lender that can get you driving the vehicle you desire. Our finance specialists are standing by to assist you.

Frequently Asked Questions ( FAQs )

Are you a lender?

We are not a direct lender. We are a service for people that matches up car loan applicants with local dealers and financial institutions.

I have no credit. Can I get an auto loan?

If you have no credit, then you can start your loan process with us. We can assure you it will be a good one.

I have a bad credit history. Will I get an approval for auto loans?

The companies and dealers we work with accept a variety of applicants, many of whom have a poor credit history. We will likely be able to provide you the right help no matter how bad your credit situation is.

How much time will it take to get an approval?

As soon as you apply, we start the processing of your application. Usually you will receive a response from a participating dealer or financial institution within a few hours. And then you’re on your way to buying a car of your choice.

What interest rates will I qualify for?

The interest rates you will pay for auto loans will depend on loan amount, term, credit rating, repayment ability and market trends. A dealer or financial institution will contact you with more information after you apply.

Is it necessary to have a co-signer?

It is not a requirement for have a co-signer. But with a co-signer you can likely get better interest rates.

Is my personal information secure?

Our loan application form is absolutely secure. Each and every detail that you provide to us will be treated as confidential per our privacy policy.

Will I be charged a fee if I apply on your site?

The application process is absolutely FREE! We are funded through alternative means.

What kind of vehicle am I entitled to purchase?

This will depend upon the size of the loan and the terms extended to you by the dealership. After you apply, they will get in touch with you to provide you with more details.

What are the basic requirements to qualify for an auto loan?

US Residents at least eighteen years of age.

What if I’m Self employed?

Being self employed in most cases is not a problem.

What if I have a trade in?

Trade ins are welcome – running or not. If you owe money or have clear title we can help.

What if I have a repossession?

Many of our customers have had repossessions in the past. Our Business Is Helping You, The Customer Re-Establish Credit

What if I have a bankruptcy?

Whether it’s a discharged chapter 7 or an active chapter 13, we have many lenders that specifically specialize in auto loans for people who have this specific need.

What if I don’t have money to put down?

We have Many Programs that either allow you to put Zero Money Down, or when a down payment is required, allows you to defer all or part of it.

What is my interest rate?

Interest rate is determined by the lender. In short, the greater the risk they feel exists the more interest rate they will apply. However, in Most States the law protects the consumer with a maximum interest rate of 17.95% on all 2001 and newer vehicles.

What if I have a new job?

This is mostly a myth. Everybody changes jobs. What they are looking for is your ability to repay the loan.

What if I’m Disabled or on Social Security?

Being on disability does not hinder your ability to obtain financing. As far as Social Security goes, Who could argue that you have a pretty secure income

How much income must I have?

The usual minimum income required is about 1200 per mo. But varies from lender to lender.

Do you report to the major credit reporting agencies?

All of our loans are 100% bank financed and the payment history is reported monthly.

What if I’m a first time buyer?

We have many programs for first time buyers.

What if I’m upside down in my trade?

In most cases we can get a little extra help from the bank to overcome negative equity.

How much will my monthly payment be?

This is determined by several factors. Amount of purchase, interest rate, term and down payment. To Help we have added a payment calculator.

Low Income Based Auto Loans
Income Based Auto Loans


LIMITED WARRANTY. The dealer will pay 100% of the labor and 100% of the parts for the covered systems that fail during the warranty period. Ask the dealer for a copy of the warranty document for a full explanation of warranty coverage, exclusions, and the dealer’s repair obligations. Under state law, “implied warranties” may give you even more rights. ($0.00 deductible per claim)

DURATION: 24 Month/24,000 Miles


ENGINE: All internal lubricated parts, cylinder block and head/head gasket, intake gasket, fuel pump, oil pump, thermostat, timing gears and chain/belt, valve cover/valve cover gasket and water pump.

ELECTRICAL: Alternator, starter, starter solenoid, battery, battery terminal, oxygen sensor, oil sensor, distributor cap and rotor, spark plugs and wires

TRANSMISSION: All internal lubricated parts, seals, gaskets, torque converter, and transmission case

FRONT WHEEL DRIVE: Axle shafts, final drive housing and internal parts, front-wheel bearings, and universal and constant velocity joints, inner and outer tie rod ends, steering rack and pinion, idler arms, upper and lower ball joints, steering linkage and power steering pump

REAR WHEEL DRIVE: Axle shafts, drive-axle housing and internal parts, driveshaft, rear-wheel bearings, retainers, universal and constant velocity joints


The Limited Warranty begins at the time of purchase and ends when either the time or the mileage selected expires, whichever should occur first:

*  Limited warranty or service agreement. Warranty may vary by dealer. See dealer for full details.


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