Yes, we specialize in working with individuals who have bad credit. With over 25 years of experience and strong relationships with numerous banks, we excel at finding the right car and financial structure for each person. We’re committed to helping you get approved by tailoring solutions to fit your unique situation.

Instead of a traditional inventory, we work with over 170 dealers and hundreds of wholesalers, so finding the right car is never a problem. Our approach is to first get you approved for a specific dollar amount and financial structure. Once we understand exactly what you’re looking for, we use our extensive network to locate the perfect vehicle that fits your approval and budget—sometimes even sourcing cars that aren’t listed on any website.

We work with dealers nationwide, offering access to DAPS agents at dealerships across America. No matter where you’re located, we’ll ensure you get the best deal close to your home, leveraging our extensive network to meet your needs.

Every situation is unique, but we typically recommend allowing 3 to 6 months to start seeing improvement. If you don’t see any progress after one year, we offer a money-back guarantee.

The timeline depends on how proactive you are with your credit. If you maintain and build your credit by adding new accounts and making timely payments, it’s possible to upgrade after 9 months to 1 year. However, if you don’t improve your credit or make late payments, trading out of your current car may be more challenging. We recommend signing up for our credit repair services so we can guide you and help put you in a better position to upgrade in the future.

The down payment amount depends on your credit and the specific vehicle. Banks base loans on a factor called LTV (loan-to-value), which means they loan a percentage of the vehicle's value, as determined by Kelley Blue Book. Better credit typically results in a higher LTV, meaning less down is required, while lower credit results in a lower LTV. Once we know how much you’re working with for a down payment and the approved LTV percentage, we’ll find a car where the book value aligns with your approval and down payment. In short, whatever you have down, we’ll find a car that fits.