Do you have a job but you think your poor credit will keep you from a getting a new car?
Our unique auto loan products, financed through local credit union partners, are designed to help working people like you. Smartway Advisors goes beyond simply financing, by matching you with a dependable vehicle that meets our rigorous standards.

What's your situation?

• I made some mistakes, but I’m working now, yet my credit score is low
• I love my car but want to reduce the high interest rate on my loan
• I need a car but can’t afford the high interest rates I qualify for
• I have a discharged bankruptcy, and now it’s tough to get a car loan

Whether you have low credit, no credit, bankruptcy or an existing high-interest auto loan, Smartway Advisors auto financing programs offer flexibility and options when buying a new or used car or truck.

We care about your work history, not your credit score
Smartway doesn’t use your credit score to qualify you for auto financing. Instead, your employment history determines your qualification. The friendly experts at Smartway Advisors are ready to answer your questions and help you get into a vehicle that will fit your goals, your budget and your life.

Do you qualify?
Fill out our no-obligation online pre-qualification profile and we’ll let you know quickly if you qualify for any of our auto financing or refinancing programs.

Choose the auto financing or refinancing program that fits
All of our programs are designed to get your credit back on track for a better future. Financing is provided through our local credit union partners. You’ll become a credit union member, and have access to their many benefits, when you qualify.

Low credit score, poor credit, bad credit or bruised credit. If you have less-than-perfect credit you could be paying 20% to 30% or more for an auto loan. Ask us about Trust Funding, our integrated financing and purchase program that offers low rates like 12.99% APR** to those who qualify. Learn more here.

Just starting out? Have little or no credit? Financial institutions look for credit history to determine credit risk. But when an applicant has no credit history it’s often difficult (and expensive!) to get an auto loan…until now. With a stable job, you can avoid a co-signer and apply for a Credit Builder^TM loan. Learn more here.

Reduce high interest rates on your current auto loan. Want to keep your car but struggling with high payments because of the interest rate on your current loan? Refinance that loan and put some of that money back in your pocket. If you qualify you could take advantage of 12.99% APR* financing. Learn more here.

It’s the Smartway, no matter which path you choose  

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**APR = Annual Percentage Rate. Rate offered by Unitus Community Credit Union, TwinStar Credit Union, or Oregon Community Credit Union as of 3/1/2013 and is subject to change without notice. Certain restrictions apply for program eligibility. Membership to Unitus Community Credit Union, TwinStar, or Oregon Community Credit Union, required.