Approvals for every credit situation

Get approved for your next car.

Get pre-qualified for your next car in about 60 seconds. No pressure, no hoops — and checking your options won't affect your credit score.

  • Bad credit OK
  • No-obligation
  • Fast answers
Step 1 of 5⏱ About 60 seconds

What are you looking to drive?

What monthly budget works for you?

How would you rate your credit?

What's your employment status?

Where should we send your options?

Please fill in every field with a valid email and phone number.

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You're all set!

A Smug Kittens finance specialist will reach out shortly with your options.

✓ All credit types welcome ✓ New & used vehicles ✓ Delivery options available ✓ Real people, real help
How it works

Three steps. Zero dealership drama.

We cut out the haggling and the back-office waiting so you can get on the road faster.

1

Get pre-qualified

Answer a few quick questions online. It takes about a minute and won't impact your credit score.

2

Pick your ride

A finance specialist matches you with vehicles that fit your budget and helps you find the right one.

3

Drive away

Sign, get the keys and hit the road — with a payment you actually feel good about.

Why Smug Kittens

Car buying, but make it easy.

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Fast decisions

Most applicants hear back quickly — often the same day.

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Lender network

We shop multiple lenders so you get options, not a single take-it-or-leave-it.

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Budget-first

We start with the payment you want, then find vehicles that fit it.

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Secure & private

Your information is kept private and only used to find your financing.

Credit bruised? We've seen it all.

Your past doesn't decide your next car. We work with people in every situation and help you rebuild credit with every on-time payment.

Bad creditNo creditNew to the country Past bankruptcySelf-employedFirst-time buyer

Every credit situation welcome

Excellent✓
Good✓
Fair✓
Rebuilding✓
Approval is subject to lender review and is not guaranteed.
FAQ

Questions? We've got answers.

Will applying affect my credit score?

No. Getting pre-qualified doesn't impact your credit score. A full credit check only happens once you choose to move forward with a vehicle and lender.

Can I get approved with bad credit?

Yes — we work with lenders that specialize in every credit situation, including bad credit, no credit and past bankruptcies.

Do I need a down payment?

Not always. Many of our customers drive away with little or nothing down, depending on their situation and the vehicle.

How long does it take?

The online form takes about a minute. A specialist will usually reach out quickly after that to walk you through your options.

Can I trade in my current vehicle?

Absolutely. Let your finance specialist know and they'll factor your trade-in into your new deal.

Your next car is one minute away.

Get pre-qualified now — no obligation, no impact on your credit.

Get Approved →