No Credit Check Auto LoanOnce you know what car you want to buy, you'll meet with a financing expert to go over how you're going to pay for it. Usually, this involves applying for an auto loan and checking your credit, but what if you're unsure of your credit history? Can I get a no credit check auto loan?

To help drivers in East Stroudsburg, Bethlehem, Jim Thorpe, Stroudsburg, and Easton prepare for financing, Ray Price Honda looks at all the ways you can get approved.

How Auto Loans Work

There are a couple ways to get the car you want but applying for an auto loan and financing is the most common. After you've picked out the car you want to buy, you'll discuss your options with an expert in the dealership finance center.

Your financing options are based on the value of the vehicle and what you're able to pay. When you apply for an auto loan, you're essentially applying for a specific payment plan. This involves making a big down payment up front, and then making monthly payments over the course of a few years.

Whether you're approved for an auto loan typically depends on how confident the lender is that you'll be able to consistently make your payments on time. Usually, they'll decide this by looking at your credit score and credit history.

However, there are several ways to get approved for a quality auto loan without having your credit checked.

Getting Approved Without a Credit Check

Get Approved for an Auto Loan with no Credit CheckTo get approved for an auto loan without a credit check, you'll need to provide other evidence that you can be counted on to make your finance payments. Whether it's a bank, lender, credit union, or the dealership finance department, they'll want proof that you'll be able to pay the loan back before they approve you for one. Here are some other ways you can get approved:

  • Pay Stubs - Showing proof of employment is a great way to get around a credit check. By providing them with pay stubs from your job, you'll be able to show that you've been consistently employed and can use your steady income to cover your monthly payments. To increase your odds, present them with pay stubs from as far back as you can.
  • Rent & Utility Bills - Along the same lines, showing that you consistently pay rent and utilities can also help you get approved. Presenting them with bills you've paid, a copy of your lease, or your landlord's contact information can all help you get approved.
  • Records from Other Loans - Another way to show lenders that they can count on you is to prove that you've been reliable in the past. If you have documents from any other loans or big purchases that you've paid off, you can use those to help you get approved.
  • Get a Cosigner - Having a cosigner on your auto loan can greatly increase your chances. By having a reliable cosigner on the loan with you, it shows the financiers two things. First, that they can turn to another person for payments if you're not able to make them. Second, that someone is so confident that you'll be able to pay off the loan that they'll sign on with you.

Honda Finance Center

When you know what you want to buy and you're ready to discuss an auto loan, visit the finance center at Ray Price Honda. Our knowledgeable team is committed to helping drivers in East Stroudsburg, Bethlehem, Jim Thorpe, Stroudsburg, and Easton get the car you want. To learn more about getting a no credit check auto loan, contact us or visit our dealership.

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Ray Price Honda

6310 Route 209
Directions Stroudsburg, PA 18360

  • Sales: (570)402-5000
  • Service: (570) 402-2660
  • Parts: (570) 402-2661


  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 8:00PM
  • Wednesday 9:00AM - 8:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 8:00PM
  • Saturday 9:00AM - 4:00PM
  • Sunday Closed