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Contact us at 480-668-2638 for more information.

Or you can start the pre-approval process by using our online credit application.


Guaranteed Credit Approval Auto Loans

We understand that bad things happen to good people. Phoenix Certified Cars and Trucks specializes in getting you financed, no matter what your credit situation is. If you are one of the millions of Americans who struggle with credit problems, we can help. We are proud to offer Guaranteed Credit Approval at Phoenix Certified Cars and Trucks! It's QUICK. It's EASY. It's LIFE CHANGING! Bankruptcy, late payments, divorce and repossessions as well as being a first-time car buyer are no problem.

You deserve a second (or third) chance and we can help!! Regardless of your credit score we say YES! Bad Credit, Repo's, Foreclosure, No Credit, Bankruptcy's ALL OK! GUARANTEED! We can approve you for credit and secure your car loan with our bank. We can also help you establish or re-establish your credit with all three credit bureaus.

In most cases, we offer service contracts and insurance included in your payment on the vehicle you select, so what are you waiting for??? Let's face it. A number of us have some financial skeletons in our closet. Being a first time buyer, having repossessions, bankruptcy, late payments, fixed income, bad credit, no credit; it's likely one of these is the reason you're visiting our website.

At Phoenix Certified Cars and Trucks, our goal is to help you get a fresh start, not just with getting back on the road but also either building or rebuilding your existing credit score. By making on-time payments on your car loan, you can began the process of rebuilding your credit.

Please take a moment to fill out our online auto finance application. Here you'll be able to securely apply for guaranteed auto loan financing quickly and easily.

The car you've been searching for is waiting, so challenge us. We're ready to help you! It just takes a few minutes to be approved! Click or call now!


All you need to drive away today is this:

1. Proof of income (pay stub, bank statement, cancelled checks)

2. Proof of residence (Utility bill, mailed bank statement, cell phone bill)

3. 6-8 personal references (name, address, and phone number)

4. Proof of full coverage insurance

5. Valid Arizona Driver's License

We are able to offer Guaranteed Credit Approval because our program is designed to help everyone to get back on track, regardless of previous credit issues. This program will help to build or rebuild your credit by reporting to the major credit bureaus on a monthly basis. The average credit increase is 100 points over a 24 month term.

Here are some benefits of having a great credit score:

1. Ability to obtain major credit cards

2. Higher purchasing power

3. Obtain low interest future loans with little to no money down

4. Ability to purchase a home with a low interest mortgage

There are many payment options available such as: weekly, bi-weekly, monthly payments, or automatic withdrawal from your checking or savings account.

Fill out an application below. From there, you will be contacted by a finance specialist as soon as possible. Please be sure to specify which vehicles you are interested in.

Take this opportunity and rebuild your financial future!