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Charlie Cheap Car

Financing

Apply online for car financing

Bad credit, no credit, a past repo or your first car — one application goes to the lenders we work with, including lenders who look past a credit score. Financing subject to lender approval.

Secure credit application

Secure application. This form is hosted and processed by DealerCenter, the dealer management system we use, over an encrypted connection. Your Social Security number and date of birth go straight to DealerCenter — they are never stored on this website.

Form not loading? Open the secure application in a new tab or call us at (702) 471-1549.

Would rather we called you?

Send your name and number instead and a member of our team will call you during business hours and take the application over the phone. This asks only how to reach you — no Social Security number, no date of birth, and it does not check your credit.

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Request a call

We call back during business hours.

By sending, you agree that Charlie Cheap Car may contact you by call, text (including automated texts) or email about your inquiry. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of texts. Privacy Policy

What happens next

  1. Tell us about yourself

    Fill out the secure application. It takes a few minutes.

  2. We send it to our lenders

    We shop your application to the lenders we work with, including ones that work with bad credit, no credit and past repossessions. Steady income and your down payment matter most to them.

  3. We go over your options

    A member of our team calls or texts you during business hours with what the lenders came back with, and which cars fit.

  4. Pick your car

    Every car lists its price before dealer fees, with each fee shown separately — Doc Fee $695.00, Title Fee $28.25, Emission $29.00, $752.25 in total. Tax, license and registration are extra.

What to bring

  • A valid driver’s license
  • Proof of income — recent pay stubs, or bank statements if you are self-employed (rideshare drivers included)
  • Proof of address, such as a utility bill
  • Your down payment
  • Trading in? The title, or your loan details if you still owe on it. Get a trade-in quote

Financing subject to lender approval; not all buyers will qualify. Rates and terms are set by the lender and depend on your credit history and the vehicle. Advertised prices are before dealer fees; tax, license and registration are extra.