We can’t help bad things happening to good people, but we can help good people with low credit scores
At NJ Auto Lending our job is to say YES and offer you the lowest rates and terms possible for your credit situation. Our plan is designed to help you improve your credit score, quickly build equity AND significantly lower your cost of ownership.
Do You Have Low Credit?
Buy here, pay here? Sub prime? There’s a lot of confusing terms thrown at you when you have a low credit score. We’re here to make things simple! Usually, when you have a low credit score your options are pretty limited; high down payments/high interest rates/poor quality vehicles. Not at NJ Auto Lending! We are different, because our solution to your low credit situation is different.
What is NJ Auto Lending?
Our Lease Here, Pay Here model consists of 12, 24, 36, or 42 month used car lease plans. We structure your monthly payments with the intention for you to build equity FAST. We report timely payments to the credit bureaus in order to start improving your credit score, all while having access to your own personal credit coach along the way. No one can change what’s happened to you in the past… but we can help change your financial future.
How Are We Different?
Other dealerships say they can refinance you in the future, but in reality, they only say this to get your business. with no real plans to refinance you in the future. Our program is built on building your credit and refinancing you. We WANT your credit situation to improve! We WANT you to refinance in the future. Why? Because this benefits you and sets you up to be our customer for life; when you win, we win!
Increase Your Credit Score… Increase Your Savings!
Increasing your credit score will not only help save you money on your car payment, it can save you thousands of dollars throughout the rest of your life. NJ Auto Lending is centered on the idea of getting you into a clean, reliable, safe vehicle, while assisting you in improving your credit. NJ Auto Lending is here to help drive your way to better credit.
Why Choose Us?
Your credit score is the primary focus for traditional lenders. Traditional options for consumers with low credit usually consist of high interest rates, long term loans, less reliable vehicles with high mileage and most times, they may leave you out of equity. That’s where we jump in to help. Our job is to say YES. The difference between us and a traditional lender is that we say YES with the promise to offer you the lowest rates and terms possible for your credit situation. Our plan is designed to help you improve your credit score, quickly build equity AND significantly lower your cost of ownership.
How It Works
You choose your vehicle
You can choose any car on the lot and NJ Auto Lending leases the vehicle to you in a 12, 24, 36, or 42-month lease. All vehicles come with maintenance, warranty, and gap insurance.
You build your credit profile
Each month, we will submit your payment history to Equifax, and Experian. Making timely payments and working with our in-house “Credit Coach” can help significantly improve your credit profiles.
Break the cycle of high-interest rates
Our plans are designed to help build equity quickly, so you can escape high-interest rates and avoid old, high mileage vehicles. Our goal is to put you in a position to refinance at lower rates and terms, as soon as possible.
You can buy the vehicle at any point in the lease
At the end of the term, you can choose to turn it in, buy it at the residual value, or trade it in for another vehicle.
No Credit Needed
Make Minimum $350/week
Currently employed or have other steady income sources
Ability to make timely payments
Willing to work with our “Credit Coach”
Credit problems behind them
Alternative forms of identification accepted
See what others have to say
Still not convinced? Read our reviews or watch our video testimonials given by actual customers. See all the people whose lives have been changed by NJ Auto Lending and find out how you can be one of them!
Everyone there is pleasant to do business with. They did everything they could and got us the car we wanted at the payment we wanted. Excellent place and awesome people and friendly. Bernadette Rodriguez was our sales rep. she did an awesome job. Thank you Bernadette
- Wilbur Brown
A great experience. Lianne was very professional helping me in many things. Thanks for everything.
- Ruben Collas
Joe was there since I entered last year when the pandemic just hit us, and I was in desperate need of a vehicle. But because of my credit it was difficult but joe never stopped till he found the best deal for me and my budget. Today I’m in a new car. Many thanks to joe. I appreciate it brother!
- Stanley Simon
Amazing experience!!! Absolutely love my car
- Tina Dunfee
Liane was very pleasant to do business with she didn’t pressure us into a decision and helped us every step of the way would recommend her to anyone
- Jon Queen
Joey is an excellent salesman! Great 3xperience overall!
- Brian Finnegan
Return customer and won’t shop or refer anywhere else! Helene makes me come back everytime.
- Brittany Schleckser
You guys are a amazing team.
- Michelle Brinson
TOTAL 5 STAR service. Helene and Bernadette are an AWESOME team. Asset to the company, big time!!!!!
- Karen Powell
Top notch service ! The entire team is dedicated to seeing the customer happy! This is my second time buying a car here and I can’t be happier with my decision
- Myrlene Gauthier
All of the staff was amazing. Dion assisted me most of the way. I did not think I would be able to even get a vehicle and started out as just inquiring. BUT they gave me all of my options and made sure I was able to get into a newer, safer vehicle which matched my needs perfectly. I am also confident their credit repair program will be a great help & I hope to get another vehicle from here one day. Thank you!
- Meghan McGrath
Bernadette was absolutely amazing! We walked in with horrible credit and barely anything to put down, and she was able to get us everything we wanted! I’ll definitely recommend her to someone else!
- Brian Seward