Here at Phoenix Auto Finance we know that car financing can be difficult for some of our customers. That's why we offer our free car financing form so you can apply and receive instant credit, regardless of good or bad credit score!

Free Vehicle History Report

Buy with confidence! All vehicles at Phoenix Auto Finance come with a Free vehicle history report so you will know the past accident and history on your new vehicle and know you aren't buying a salvaged, rebuilt, fire damaged or totaled vehicle!


Unlike other dealerships, Phoenix Auto Finance associates are not paid a commission based on the gross profit of each sale. Instead, they are paid on the number of vehicles they sell, regardless of profit. Therefore, our highest priority is assisting you in selecting the vehicle that meets your needs instead of selling you the car they can make the most money on.


We understand that bad things happen to good people. Phoenix Auto Finance specializes in getting you financed, no matter what your credit situation is. If you are one of the millions of Americans who struggle with credit problems, we can help. We are proud to offer Guaranteed Credit Approval at Phoenix Auto Finance! It's QUICK. It's EASY. It's LIFE CHANGING! Bankruptcy, late payments, divorce and repossessions as well as being a first-time car buyer are no problem.

You deserve a second (or third) chance and we can help! Regardless of your credit score we say YES! Bad Credit, Reposessions, Foreclosure, No Credit, Bankruptcy's ALL OK! GUARANTEED! We can approve you for credit and secure your car loan with our bank. We can also help you establish or reestablish your credit with all three credit bureaus.

In most cases, we offer service contracts and insurance included in your payment on the vehicle you select, so what are you waiting for? Let's face it. A number of us have some financial skeletons in our closet. Being a first time buyer, having repossessions, bankruptcy, late payments, fixed income, bad credit, no credit; it's likely one of these is the reason you're visiting our website.

At Phoenix Auto Finance, our goal is to help you get a fresh start, not just with getting back on the road but also either building or rebuilding your existing credit score. By making on-time payments on your car loan, you can begin the process of rebuilding your credit.

Please take a moment to fill out our online auto finance application. Here you'll be able to securely apply for guaranteed auto loan financing quickly and easily.

The car you've been searching for is waiting, so challenge us. We're ready to help you! It just takes a few minutes to be approved! Click or call now!

All you need to drive away today is:

  1. Proof of income (pay stub, bank statement, cancelled checks, or tax returns)
  2. Proof of residence (Utility bill, mailed bank statement, cell phone bill)
  3. 6-8 personal references (name, address, and phone number)
  4. Proof of full coverage insurance
  5. Valid Arizona Driver's License

We are able to offer Guaranteed Credit Approval because our program is designed to help everyone to get back on track, regardless of previous credit issues. This program will help to build or rebuild your credit by reporting to the major credit bureaus on a monthly basis. The average credit increase is 100 points over a 24 month term.

Here are some benefits of having a great credit score:

  1. Ability to obtain major credit cards
  2. Higher purchasing power
  3. Obtain low interest future loans with little to no money down
  4. Ability to purchase a home with a low interest mortgage

There are many payment options available such as: weekly, bi-weekly, monthly payments, or automatic withdrawal from your checking or savings account.

To fill out an application please click below and fill out the quick 30 second application. From there, you will be contacted by a finance specialist as soon as possible. Please be sure to specify which vehicles you are interested in.

Take this opportunity and rebuild your financial future!

Contact Us