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  • 124 W 7th Street, Neillsville, WI 54456
  • (715) 743-3205 | 800-261-0003

Car Financing

Bad Credit Car Loans

If you have credit problems, you can get the financing you need for the vehicle you want....and help yourself re-establish your credit while driving your new used vehicle! Don't be taken advantage of because of your credit history. Urban Sales and Service can arrange all of your financing and take the hassles out of your next car buying experience.

Urban Sales and Service specializes in bad credit auto loans and special finance options for consumers with less than perfect credit. Urban Sales and Service offers bad credit car loan programs designed especially for auto, car and truck buyers with credit problems, no credit, or unique sub prime auto loan requirements. Urban Sales and Service helps you qualify for bad credit auto loans, a bad credit car or truck loan, or a special finance auto loan regardless of your credit problems or automotive financing loan payment history. Urban Sales and Service also offers financing for customers who are going to file bankruptcy, in the middle of a bankruptcy, or discharged from a bankruptcy... GUARANTEED!

Bad Credit Auto Loans

Same Day Special Finance Auto Loan Approval regardless of your Credit Rating or Car Loan Payment History. Urban Sales and Service specializes in bad credit auto loans and special finance loan options for automotive financing consumers with credit problems.

Urban Sales and Service specialize in bad credit auto loan and bad credit car loan financing programs specifically established for bad credit car loan buyers with credit problems and unique sub prime auto loan requirements.

Urban Sales and Service helps vehicle buyers throughout North America who have been turned away from traditional dealerships qualify for bad credit auto loans, bad credit car loans, bad credit truck loan, special finance loan programs, and automotive financing approval regardless of credit problems or car loan payment history.

Urban Sales and Service is dedicated to assisting car buyers with credit problems an easy way to get same day automotive financing loan approval for that special used vehicle and simultaneously re-establish credit.

We want your car buying experience to be positive, quick and hassle-free. We also want you to be aware of the power a car loan has in helping you to re-establish your credit. Our goal is to help all parties' involved work together smoothly so that everyone benefits from their involvement.

Urban Sales and Service has an exceptional record of helping car buyers with credit problems.

We have 20 years of practice in the special finance industry and work directly with special finance lenders. The knowledge and expertise we have gained through years of bad credit car loan financing experience enables us to give you the best assistance possible for your personal situation.

Frequently Asked Questions

These are some answers to some commonly asked questions about our company and the automotive financing services we offer. If you have additional questions not listed below, please feel free to call us toll free at 1-800-261-0003 or e-mail us directly.


How is Urban Sales and Service different than most other online companies who offer financing?

Other car loan approval companies take your credit information and sell it to auto dealers who will then try to get you a loan. If the dealer can not obtain financing you are out of luck. Urban Sales and Service can guarantee you a car loan on any vehicle! Urban Sales and Service does not just try to get you a loan, or advertise that we can get 99% of our customers approved, or worse yet advertise that every application is accepted (any dealer can simply accept an application; accepting and approving are very different!). Every customer who applies for a loan gets an approval on that vehicle.....GUARANTEED!

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How do I know if I can qualify for a loan to purchase a vehicle?

Every person is approved.....GUARANTEED!

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Does buying a pre-owned vehicle really help me reestablish my credit ?

Yes, when checking with the credit bureau, many lending institutions look at automobile loans closer than any other type of loan (other than home loans) to verify your credit standing. Buying a car from a "buy here, pay here" lot that does not report to the credit reporting agency is simply not very smart because it does not help your credit record at all. Urban Sales and Service will report your payment history to all three credit bureaus. When you make a payment on time it improves your credit score.

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What are the benefits of using Urban Sales and Service over going to a different dealership?

In most cases, if you have credit problems and go directly to a dealership other then Urban Sales and Service, you are more than likely to have an unsatisfactory experience. First of all, once they learn your credit is less than perfect, the way they treat you will change from friendly and courteous to not so friendly. Second, they will most likely show you a very low quality, limited selection of cars....far from the type you may desire. You can avoid all these unnecessary hassles with Urban Sales and Service and feel confident that you will already be approved before you walk into our dealership. You will then be treated with the respect you deserve.

Urban Sales and Service has lending sources available that no other dealers have. If you have been to another dealer and your visit was less than perfect, you will now find with Urban Sales and Service that you will get the help and answers you need.

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How can Urban Sales and Service get me approved when no one else can?

Guaranteed Credit Approval works like this: If someone has perfect, good, or average credit, and they want to buy a $5,000 car, they simply go down to a dealership and sign papers. The dealership then sends those papers to a bank. The bank then gives the dealership $5,000 and the customer pays back the bank over a period of time. The bank does this because that customer's credit history shows they will likely pay them back. If a customer does not have a good history in his/her credit report the bank will not give a loan to the customer because the they are unlikely to pay the loan back. This is where Urban Sales and Service is different. If a customer has bad credit and Urban Sales and Service can not get a bank to loan you money then we go though our Guaranteed Credit Approval bank. The bad credit customer signs the same papers as would the person with perfect, good, or average credit. Urban Sales and Service then sends those papers to the bank. Urban Sales and Service does not get the entire $5,000 up front. Instead Urban Sales and Service gets maybe $1,000 from the bank. Then as the customer pays the bank the bank pays Urban Sales and Service. That is why everyone is Guaranteed Approved, because the bank can't loose. The bank is only advancing a small portion of the loan amount. Urban Sales and Service is the one giving the customer a chance, and if the customer makes consistent payments to the bank they can better their credit score because the bank will report the customer's payment history to all three credit bureaus. This gives the customer one last chance to get their credit back in good standing with all other banks.

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