"Bad Credit Auto Loans" NH, MA, ME

get approved online for a bad credit auto loan in NH Understanding Bad Credit Auto Loans and the Approval Process

At the Key Auto Center of Portsmouth you can expect to have the absolute best finance package for your situation. You can start applying for your online used car financing HERE or you can give us a call right now at 855-971-6146 (press 1 for sales).  If you'd like to apply online but want someone to speak with as you fill out the application to answer any questions, simply call the number above and then start the online application.

Who is CUDL and why are they important to my bad credit auto loan?

C.U.D.L.:  Credit Union Direct Lending is a powerful tool we use to shop many local credit unions for great auto rates and terms for your auto loan. This program allows us to secure bad credit auto loans, when it is necessary for a customer with less than perfect credit. Credit unions are not bound by the same strict criteria that many local and national banks are required to follow when they qualify an applicant. When using C.U.D.L, we are able to find financial institutions who give loans to those individuals and couples with bad credit. This is often because their qualifying standards are more generous to the variables of the customer's life and they will have a real conversation with us in regards to your bad credit situation. They also have different standards for borrowers, often giving a low rate on a bad credit auto loan to members, regardless of "bumps and bruises" on their bureau. They all have a different standard for membership, meaning, they may require you to live in a certain state or have served in the military in order to join. This presents some difficulty in the eyes of most, but we are NOT NORMAL! We know these parameters inside and out and Credit Unions are always looking for ways to make an exception and include more members into their business. One of our trusted advisors in the finance department can set up a membership for you with the credit union that currently has the best rates and most aggressive finance package for your bad credit auto loan situation. Our trusted advisors will negotiate a great deal for you, so you don't have to make stops at 15 different Credit Unions just to be told "NO." 

Here are direct links to C.U.D.L and other credit unions Key Auto Center of Portsmouth obtains financing through:

  Digital Credit Union
  Holy Rosary Credit Union
  Hanscom Federal Credit Union

Traditional Banks and Finance Companies
There are many banks and financial institutions that regularly issue loans to people who need a bad credit auto loan in NH. We have signed up our location with many different institutions because they all have different standards to qualify for a loan. You may find that one bank will absolutely turn down a loan because of derogatory past experience, but the next 2 banks will instantly approve the same loan. The institution's rates and stipulations can vary on the same approved loan. One may be at a lower rate and the next approval may be at a higher rate - this is just a matter of how much importance each individual institution puts into certain aspects of your credit situation. The trick is to get the bank that is most comfortable with the type of "risk" that your bad credit situation represents, which results in offering you the best interest rate, the best terms, and the best lowest payment. These are links to some of the banks that we offer financing through at the Key Auto Center of Portsmouth:
  Wells Fargo
  Ally Financial
  Fifth Third Bank
  Gateway One
  United Auto Credit
  NBT Bank
First Niagra Bank

Pull your three reports for free, go first to Annual Credit Report.  It's FREE! If you think something on your credit may be incorrect, you can dispute those via one of these three links below:

    File A Dispute Online Equifax
    File A Dispute Online Experian
    File A Dispute Online TransUnion

Correcting Errors

Under the FCRA, both the reporting company and the information provider (that is, the person, company, or organization that provides information about you to a reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.

The Credit Repair Organizations Act
The Credit Repair Organization Act (C.R.O.A.) makes it illegal for credit repair companies to lie about what they can do for you, and to charge you before they've performed their services. The C.R.O.A. is enforced by the Federal Trade Commission and requires credit repair companies to explain

  •     Your legal rights in a written contract that also details the services they'll perform
  •     Your three day right to cancel without any charge
  •     How long it will take to get results
  •     The total cost you will pay
  •     Any guarantees

What if a credit repair company you hired doesn't live up to their promises? You have some options.
Sue them in federal court for your actual losses or for what you paid them, whichever is more, seek punitive damages (money to punish the company for violating the law), join other people in a class action lawsuit against the company, and if you win, the company has to pay your attorney's fees.


  • Monday 8:30am - 8:00pm
  • Tuesday 8:30am - 8:00pm
  • Wednesday 8:30am - 8:00pm
  • Thursday 8:30am - 8:00pm
  • Friday 8:30am - 8:00pm
  • Saturday 8:00am - 6:00pm
  • Sunday 11:00am - 5:00pm

Contact Us

Key Auto Center of Portsmouth

2025 Woodbury Ave
Directions Newington, NH 03801

  • Sales: 855-971-6146
  • Service: 855-971-6152