YOUR CHOICE AUTOS · SPECIAL FINANCING
Bad Credit Car Financing Made Simple
Bad credit, no credit, bankruptcy — we've seen it all, and we've helped people through every one of those situations get into a car they love.
Check My Options — It's Free
No hard credit pull to get started · Takes 3 minutes
All credit situations welcome
Same-day decisions available
Rates that actually fit your budget
People in cars every single day
We've been here before
Whatever your credit story, we have a path forward.
Most lenders see a file. We see a person. Our network of subprime lenders means there's almost always a solution — even when another dealership has already said no.
No Credit History
Never had a loan or credit card? That's more common than you think, and it's fixable. We work with lenders who specialize in helping first-timers build credit through an auto loan.
Low Credit Score
A low score doesn't lock you out. It may affect the rate, but we'll work to find the most competitive option available and put you in a car you can afford today.
Past Bankruptcy
Bankruptcy is a fresh start, not a life sentence. Many of our lenders work specifically with customers post-bankruptcy — sometimes even before full discharge.
Previous Repossession
A repo on your record is tough, but it's not the end of the road. We'll be upfront with you about your options and find the best available path.
From our amazing customers.
8/5/2026
8/4/2026
8/1/2026
7/31/2026
How it works
Three steps from today to your driveway.
We've made this as straightforward as possible, because you've already dealt with enough complexity.
1
Complete the Pre-Approval Form
Takes about 3 minutes online. No hard credit pull at this stage — no impact to your score just for checking.
2
We Match You to a Lender
Our finance team reviews your situation and shops it across our network of subprime lenders to find the best available terms.
3
You Drive Home
We'll walk you through everything clearly — the rate, the payment, the timeline. No surprises, no pressure, just your keys.
You deserve a car.
Let's make it happen.
It costs nothing to find out what you qualify for. Our team has helped thousands of people in tough credit situations — and we'd like to help you too.
Get My Free Pre-Approval
No obligation. No hard credit inquiry to start. Results same day.
Visit one of our used car dealerships conveniently located in Joliet, Waukegan, Elgin & Crestwood. Near Chicago.
Your Choice Autos - Joliet
Street address:
1506 W Jefferson St
Joliet, IL 60435
Phone:
| Day | Sales Hours |
|---|---|
| Monday | 9:00 AM - 8:00 PM |
| Tuesday | 9:00 AM - 8:00 PM |
| Wednesday | 9:00 AM - 8:00 PM |
| Thursday | 9:00 AM - 8:00 PM |
| Friday | 9:00 AM - 8:00 PM |
| Saturday | 9:00 AM - 8:00 PM |
| Sunday | Closed |