Bad Credit Auto Loans

Trust Amaral Auto Sales to Secure You a Car Loan

Don’t let bad credit hold you back from the vehicle you need. At Amaral Auto Sales we get it - bad things happen to good people. Life can throw curve balls your way and, before you know it, you have bad credit. Having bad credit is more common than you think. We have helped countless people with credit issues get affordable car loans and drive off in quality pre-owned vehicles - we can do the same for you. If you have bad credit and need an auto loan, apply today.


Guarantee Approval

Guaranteed Credit Assurance

You can get a reliable car even if you have bad credit. In fact, we guarantee it. Our Guaranteed Credit Assurance program is tailor-made for people facing financial challenges. You’ll get an affordable auto loan and with consistent monthly payments and you’ll begin rebuilding your credit score.


Even if you have been turned down before, contact Neil and our team here at Amaral Auto Sales. An affordable car loan is within reach.

“Neil was very patient and informative about the whole process. He honored the price of the car that was posted online, explained each and every form I signed, gave me amazing tips on how to improve my credit, showed me how to work each feature the car comes with, and made my experience enjoyable.” - Collette Sancho

Need Credit Help? You’re Not Alone



New to the Country


Moving to a new country means starting from the ground up with your credit score, too. If you have zero credit you can still find a car loan and start building a great credit score. Get your first car loan with Amaral Auto Sales.

Grad Cap

Students & New Graduates 


Being a student is hard enough without having to worry about building a credit score. Get to class on time in your own vehicle and start working on building your credit rating. Contact us today to get your first car loan.

Business man and pie chart

Small Business Owner 


Business ownership is a journey. From the highest highs to bankruptcy and falling credit, we can help you find an auto loan and get you back on your feet. Contact us today.

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Unexpected Life Changes 


We can’t plan for everything. Credit scores can take a hit during divorce, personal financials struggles or even changing career goals. Sometimes you need help getting back on track.

Credit Experts


Not only will we work hard to secure you an affordable car loan, we’re also going to give you useful tips and advice on how to continue rebuilding your credit score. We look to create long relationships with our clients, so contact us anytime with credit or loan related questions. We’re always happy to give free advice.


Shop Our Affordable Inventory


Buying or financing a vehicle is a big deal, but you don’t have to break the bank to get a quality pre-owned car, truck, or SUV. Amaral Auto Sales has an impressive selection of used luxury vehicles under $15,000, making us New Jersey’s go to dealership for affordable, high quality cars.


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