"Thank you BlueSky Auto Finance for making my life better. I have a car that I am very happy with. Thank you."
-Edwin O.
"BlueSky Auto Finance got us a car loan with no credit and the vehicle we wanted with no hassle. Thanks SO much."
-Jane K.

How BlueSky Works

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Auto Finance & Bad Credit Car Loans

BlueSky Auto Finance provides direct car financing for people with less than perfect credit

BlueSky's unique auto lending platform is integrated with lenders that provide direct auto financing as well as a network of auto dealers that offer bad credit car loans. We specialize in helping people that may have experienced credit difficulties get a car loan in a hassle-free environment.

Getting approved with BlueSky Auto Finance is easy! Here's how it works:

  1. Complete our simple, secure Loan Application - Apply Now
  2. Within minutes, you'll here back from one or more of our financing partners. For people with a more challenged credit history, it may take up to a few hours.
  3. Compare your loan terms, choose which one is best for you and go buy your car!

Get approved before you go to a dealership!

Through our direct lending partners, you could get approved for up to $30,000 dollars before going to a dealership - even if you have bad credit. With pre-approved financing, you're in the driver's seat. Negotiate the price of your car at the dealership, not the terms of a loan and save time and money on your next purchase. Get Started.

Work with a dealer that is willing to work with you!

Our staff is dedicated to vetting auto dealers throughout the country that offer bad credit car loans. We make sure they have the right people, lenders and inventory best suited to helping our customers.

Find the Car of Your Dreams!
Click Here to Search Thousands of New, Used & Certified Pre-Owned Vehicles.

Our participating auto dealers have access to over 400 lenders - so get started now and you could be approved in as little as one hour.

Although bad credit is not always a "no problem" situation like some might advertise, our auto finance partners are ready to help -  especially if  the poor credit was related to an event such as a job loss, divorce or medical situation and the event that caused the bad credit is behind them.

Learn more about how to get a car loan, credit and debt management and other resources that can help you save the most money. Happy Driving!

Note: There are no fees to apply through Bluesky Auto Finance and no obligation to accept the terms of any loan offered by one of our participating lenders or auto dealers. Finance terms and related finance costs from our participating lender and dealers may vary depending on your personal credit worthiness.

Auto Refinance

Keep the car you have, lower the payments.  Apply for auto refinancing today and save hundreds if not thousands of dollars over the life of your loan.

Are your monthly car payments becoming too much to manage?

Then refinancing your car could be right for you.  With a quick, easy, paperless process, you could reduce your monthly payments, lower your interest rate – or both!  Get Started!

Car Loan Resources

To help make buying a car easier, we offer simple car loan solutions and tools that allow you to make an informed decision.

Knowing what you can afford, learning the fundamentals of auto financing and a few tips for buying a new or used car will help you cut your best deal and save money. Check out our car loan calculator and know your payment options before you buy.

Why BlueSky

Finally, an honest straightforward auto financing service that takes the mystery out of financing a new car.

We'll try our best to get you a car loan from a direct finance company before you visit a dealership. Benefit from the power of being pre-approved for car financing and negotiate like a cash buyer - even with bad credit. Learn more about how BlueSky Auto Finance can benefit you.