2nd Chance Auto Loans

We understand that credit problems happen. Health care, getting laid off, legal fees, etc., can force us into impossible financial situations. For anyone who is currently experiencing credit troubles, our 2nd Chance Auto Loan is designed to get you in a car you can afford on your way to rebuilding your credit.

Auto Loan Application (with Co-Signer)

Get your pre-approval started today!

Auto Loan Application (Single Applicant)
MAX AMOUNTRATETERMMONTHLY PAYMENT PER $1,000 BORROWED
MAX AMOUNT:$27,000RATE:15.74% APRTERM:60 MonthsMONTHLY PAYMENT PER $1,000 BORROWED:$25.72

APR (Annual Percentage Rate) available on credit approval and subject to terms/conditions. Rate discounts may be available. Rates subject to change without notice. Contact JCU for details. Payment estimate includes payment protection. Rates updated as of October 22, 2018.

Eligibility

MUST HAVECANNOT HAVE
MUST HAVE:Credit score of 500+CANNOT HAVE:Repossession in the last 18 months
MUST HAVE:At least 6 months since your bankruptcy discharge, if applicableCANNOT HAVE:An unpaid judgement/collection newer than 6 months (exceptions include medical expenses less than $1,000 or tax liens less than $3,000)
MUST HAVE:3 lines of credit (excluding collection accounts, tax liens, judgements, etc.)CANNOT HAVE:
MUST HAVE:6 months of consecutive pay stubs from the same employerCANNOT HAVE: