Updated for 2025: All loan requirements, approval tips, and interest rates included.
You’ve got bills to pay, a job to keep, and no reliable car. And thanks to your credit score, getting a loan feels impossible. That’s where a Bridgecrest Auto Loan can offer hope, providing real car financing options to real people with credit struggles. But what credit score do you need to get approved?
A Bridgecrest Auto Loan is a car loan typically issued through DriveTime or its partners, serviced by Bridgecrest—a company specializing in subprime auto lending.
This means they cater to individuals with credit challenges—low credit scores, short credit history, or past financial hiccups.
So, if you’re worried about being rejected elsewhere, a Bridgecrest Auto Loan might be worth considering.
While there’s no published minimum, based on borrower feedback and loan approval trends:
✅ Most applicants get approved with a credit score of 500–600.
Yes—even with a 520, you may qualify for a Bridgecrest Auto Loan, especially if you:
However, a higher score gets you better loan terms—lower interest, lower down payment, and more vehicle options.
Bridgecrest evaluates your entire financial profile—not just your score. But here’s how your credit can impact your auto loan terms:
Expect APRs from 14% to 29%. The lower your score, the higher the rate.
You may need to put down $500–$2,000+, especially if your credit is under 550.
Bridgecrest financing typically applies to vehicles at DriveTime dealerships, so expect practical used cars over luxury models.
Terms range from 24 to 48 months, reducing the lender’s risk but increasing monthly payments.
Want to boost your approval chances—or get a better deal? Here’s how to prep before applying for a Bridgecrest Auto Loan:
Dispute errors. Even a 20-point boost can make a difference.
Pay off a credit card or two before applying.
Saving just $1,000 can drastically reduce your monthly payment.
Bring pay stubs, bank statements, or employer letters to verify consistency.
A co-signer with good credit can unlock better loan terms.
A Bridgecrest Auto Loan isn’t your only option. Compare it to these alternatives:
If you have a credit score above 600, you may qualify for lower interest elsewhere.
If traditional lenders have turned you down, and you need a vehicle fast, a Bridgecrest Auto Loan can be a smart short-term solution.
But go in with eyes open:
Remember, this loan can be a credit rebuilding opportunity if managed well.
A Bridgecrest Auto Loan isn’t perfect—but for people rebuilding their financial lives, it can be a stepping stone.
If you:
…then Bridgecrest might be the right fit.
Always compare your options—and never sign a loan you don’t fully understand.
Ready to move forward? Start your application with Bridgecrest, or check your credit score today and make a plan.
Q. Can I get a Bridgecrest Auto Loan with a 500 credit score?
Q. What documents are needed?
Q. Will Bridgecrest pull my credit?
Q. Can I refinance a Bridgecrest loan later?
Q. Does Bridgecrest report to credit bureaus?
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