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buy a car with bad credit or no credit
We're Experts at Helping Customers with Low Credit Scores Buy the Car or Truck They Want
Our professional, caring Finance Specialists are here for you. Let us know how we can help.
#1 Cochran has a team of Finance Specialists dedicated to helping people with bad credit or no credit find the best way to buy a new or preowned car or trucks. If you've been previously turned down for credit, or if any of the following situations apply to you, contact us today and we'll walk you through your options.


Have an open or discharged Chapter 7 bankruptcy? Don't let the fear of being turned down stop you. Our lenders have created special programs specifically for people like you. Let us help you start rebuilding your credit today.

Bad Credit

Do you have issues with bad credit, repossessions, foreclosures or collections? We have lenders that will work with you and listen to your story, not just look at your credit score.

No Credit

Just starting out and not sure if you would even qualify for credit? We can help you make those first important steps on the path to building a good credit history.

Self-Employed/1099 Employee

It can be difficult to prove your income and get approved when you are a 1099 employee or self-employed. Let us tell you what documents you need. It’s easier than you think.


Are you on SSI/SSD and have low income? That doesn't mean you can't get into a safe, reliable vehicle. Let us show you how.

Uber/Lyft Driver

Is the fact that you use a vehicle for business making it difficult to get approved for financing? We have financing options perfect for this situation.

Tip Only Employee

Have you been told that you don't qualify for a loan because your tips aren't included on your paystubs? We know the statements you need to show and will be glad to walk you through the process.


Yes, even unemployed people can be approved. We would need a copy of the benefit eligibility letter and statement of the payment you recieve (all can be found online).

No Driver's License

Need a vehicle in order to learn how to drive or take your driver's test? That's doable. You'll need to get insurance in your name and have a licensed driver available to drive the vehicle from the dealership for you. Contact us and we'll help you make it happen.

Let our Finance Specialists help you get the credit you need.