Get Back on Your Feet
And Into the Driver's Seat


Don’t let credit problems hold you back! At Owings Auto, we can get you approved for a bad credit car loan because we make all financing and credit decisions on site, on the spot, personally. We listen to your story and understand what you need – the vehicle you want. You won’t wait around wondering if you’re approved while you still need a vehicle. We can approve you today!

No matter your credit history, we can help. Anything in your past does not affect your future. Even if you have previous repossessions, a recent divorce, foreclosure, bankruptcy, or any other credit blemish, we are here to secure your future.

Approval is easy at Owings Auto; all you need is proof of income (at least $1,500 net, per month) and proof of residence. That’s it!

At Owings Auto, we provide a buy here, pay here used car dealership experience focused on you, because we understand what’s important to you. Our credit specialists find financing that improves your credit score, which reduces your costs to borrow.

We will help you rebuild your credit, and take the first steps to rebuild your dreams.

All You Need:

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Online Application

Personal Information

Current Employment

Second Job or Other Income

Current Residence

Please read:
Electronic Signature Disclosure

You are: (1) certifying that the information provided is complete and accurate and made for the purpose of obtaining credit; (2) authorizing us to obtain your consumer credit report from one or more credit reporting agencies; (3) authorizing us to release your application and consumer credit report to one or more of our affiliates for the purpose of processing your application; (4) consenting to receive disclosures related to your application in electronic form. Your computer or other device must have hardware and software that meets minimum requirements to connect to the internet, receive email, and access, view, download and store electronic disclosures. You have the right to receive disclosures in paper or non-electronic form, but if you do not click “agree”, you cannot compete your loan application online and must contact us directly; (5) consenting to receive text and email messages from us and/or our affiliates. By consenting to receive text and email messages, you are also consenting to receive pre-recorded auto-dialed voice, automated phone calls or text messages as applicable law allows. Your wireless carrier may charge you for incoming calls and text message according to your plan; (6) certifying that you have read and agree with the Terms and Conditions and Privacy Policy of this website.