Our Services

Bad Credit So What was founded in 1995 for the purpose of helping the millions of working people who, because of credit discrepancies, are not able to obtain auto loans to purchase a quality vehicle in a "conventional" manner. Bad Credit So What is headquartered in Willmington, Delaware and maintains a 24-hour call center in the Southeast.

Bad Credit So What founding philosophy links consumers, dealers and finance sources into one cohesive unit, to facilitate communication and minimize buyer frustration.

Today, Bad Credit So What continues its commitment to this philosophy by helping hard working people obtain auto loans to purchase the vehicles they need. So whether you have a history of bad credit, repossessions or bankruptcy, chances are we can help!

"We finance your future not your past"

Lenders consider more than just your credit score when deciding whether or not to extend credit. They consider the amount of debt you can handle given your income, your employment history, your credit history, as well as staying within their institutional underwriting policies.

Call 800-880-7029 or APPLY TODAY!