All Credit Welcome

Car Loans for Bad Credit

You might wonder how you can get a car with a checkered credit history. It certainly may seem impossible, but it is not. Challenge Financial Services is the solution for everyone who needs a car but may have less than great credit. In fact, Challenge Financial Services have provided car loan options for all types of credit. In summary, Challenge Financial Services is an all-credit welcome company that gives you the best experience in car finance. All credit welcome at Challenge Financial.

About Challenge Financial

Challenge Financial Services is a family-owned auto lender. We have been proudly serving Southern California since 1994. As a result of our success in SoCal, we now serve all of California, Utah, and Arizona. What distinguishes Challenge Financial Services is our focus on thoroughly understanding each of our customers’ financial situations. In fact, we work hard to understand each borrower’s unique financial situation. We are indeed a lender with unique loan options for serving those with bad credit.

All Credit Welcome at Challenge Financial

Challenge Financial Services is an all credit welcome company aiming to build long-term, solid relationships with our customers and also our dealer network partners. We are, therefore, passionate about our core mission: To Build a Better Financial Future.

  • All Credit Welcome 
  • No Risk, No Obligation 
  • Multiple Options Available 
  • Quick and Easy Application 

Our All Credit Welcome Services

Trusted Dealer Network

In addition to outstanding car loans for those with credit challenges, we also help you to get the car you need from a network of well-respected dealers. We collaborate with our trusted dealers that have a reputation for offering high-quality cars that meet the needs of their customers. They have a wide selection of vehicles to suit your needs. Even on a tight budget, we’ve got options.

Easy All Credit Welcome Payment Options

Car loans with low credit are not impossible at all. However, it is vital to evaluate your credit before applying for a car loan to be able to make your payment on time. In addition, it is also essential to familiarize yourself with your available payment options before applying for a vehicle loan to choose the best option that suits you.

  • Pay Online
  • Pay by Phone
  • Recurring Payments from your Bank Account
  • Pay by Mail
  • MoneyGram Payments
  • Pay with Cash at
    • 7-Eleven
    • CVS
    • Walmart
    • Walgreens
    • Dollar General

Customer Service for All Credit Welcome

A good foundation for a great experience is having a team determined to go the extra mile to serve their customers. Challenge Financial Services’ customer team is skilled, professional, and knowledgeable. We can help you complete your application, get approved, and find the car you need. Whatever your car buying goals are, our team will collaborate with you without judgment to get you on the road. We’re certainly on your side.

All Credit Welcome

Challenge Financial Services is an all credit welcome company. No matter how tight your budget, or even if you have income issues, we aim to get you financed. Even if your financial situation isn’t perfect, we’ve got options. With flexible down payment options, we give potential customers a range of offers to suit their needs. We certainly make the process of finance and also buying a car simple.

So get yourself approved and shop with confidence with just three easy steps:

Step 1

You are more than a credit score. We work to understand your entire financial picture to match you with a loan option that makes sense. Credit scores are only one of the factors we consider. However, Challenge Financial Service is an all credit welcome company with car loan options for everyone, including those with bad credit. To get started, all you have to do is connect with one of the funding specialists on our team.

Step 2

Our financing application is comprehensive, but we’re here to help. Have a question? Let us know. Don’t know how to complete the form? Get in touch. Don’t have answers to all the questions we’re asking, that’s ok. We can work with what you’ve got to get the right financial information paired to a loan option that will meet your needs. And remember, we love a good Challenge.

Step 3

After getting approved for a loan, you’ll certainly be ready to shop with confidence. In fact, walking in to a showroom to get the car you need will go from stressful to joyful. Browse inventory from our preferred dealer network, or go to the seller of your choice with your approval and drive off with your new wheels. It’s certainly as easy as 1… 2… 3…

So, what are you waiting? Connect with a Challenge Financial Funding Specialist today and get your own ride… 

All Credit Welcome at Challenge Financial
Drive the open road with Challenge Financial

The Better Business Bureau has rated Challenge Financial Services A+.