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.

Review from cshacolya
cshacolya
5/26/2026
I am so incredibly happy with my 2019 Chevy Malibu! I want to give a huge thank you to everyone at Your Choice Auto Sales for being so helpful throughout this process. A special shout-out to Shazy you were absolutely awesome, super funny, and so kind! Thank you for making the experience so enjoyable. I also want to thank Izhar for all his help, and a massive thank you to Muhammad, who went above and beyond to make sure I was able to make it there today. I truly appreciate all of your hard work!"
Review from KimBrandon Haubrich
KimBrandon Haubrich
5/24/2026
I had an amazing experience here at Your Choice Auto. I worked with Haas, the sales guy and Zee the finance manager. Everything was straight forward and a fast process. I came in with a budget and monthly car rate and found a car great for my family and of course they did their job by making it possible to get the numbers I was looking for. Great team forsure!
Review from Greg Skinderowicz
Greg Skinderowicz
5/23/2026
Purchasing process was simple and easy, no issues gave them all the info and they had me out within the hour! The team was top notch from the moment i walked in to the moment i stepped out. Haas was amazing to deal with. A+++ service
Review from Emefa Hadzide
Emefa Hadzide
5/23/2026
It was a wonderful experience with your company. Friendly faces and everyone so welcome to help. Kay was the wonderful sales man who helped me with getting my car. Was extremely helping with the process.

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:
Sales: (815) 725-0850

DaySales Hours
Monday9:00 AM - 8:00 PM
Tuesday9:00 AM - 8:00 PM
Wednesday9:00 AM - 8:00 PM
Thursday9:00 AM - 8:00 PM
Friday9:00 AM - 8:00 PM
Saturday9:00 AM - 8:00 PM
SundayClosed