Credit challenges can take two forms – one, you’ve accidentally damaged your credit through late payments and missed payments. The other is not having anycredit at all. Both present unique challenges for someone looking to get a reliable car without getting strapped with a high interest loan. Smartway Advisors has successfully offered two programs for the past 24 months that have helped hundreds get the car they want, and a car payment they can afford. We believe our Trust Funding® program and Credit Builder program are two of the top programs out there for credit challenged individuals. Both programs offer outstanding credit rates (9.99% APR*), and we work hard to make sure you can afford your car.