If you have bad credit or no credit history at all, you may not be able to get a car loan from a bank or credit union. And unless you have enough money to buy a used car in cash, you’ll need some form of financing. At Owings Auto, we offer flexible in-house financing with no credit check and sell used cars with small down payments. This means you can work directly with Owings Auto, rather than a large bank or financing service. As a result, you’ll get approved for a car loan fast and get behind the wheel of your next car, often on the same day.