NJ Auto Xchange

Start Your 60-Second Approval

APPROVED IN 60 SECONDS – NO SCORE NEEDED

YOU WORK... YOU DRIVE...

Bad credit? No problem.

We say YES!!!

when others say NO
No SSN required.

No obligation.

Bad Credit? No Problem

✔ Bankruptcy...

✔ Previous Repo...

✔ Bad Credit / No Credit...

✔ New Job / Cash Income...

✔ No Social? OK ...

✔ First-time buyer...

✔ ITIN welcome...

TESTIMONIALS

Who We Approve...

— De Fonseca Family

A real family sharing their real experience with NJ Auto Xchange — fast approval, transparent numbers, and a dealership that actually cares. No games, no runaround, just results. This is why so many NJ families trust us with their next vehicle

— Glenton

At NJ Auto Xchange, we believe you’re more than your credit score.
Bankruptcies, repos, no credit, ITIN, new job — we’ve approved it all over the last 30+ years.

Our Full Amnesty Approval Program was created for people who’ve been told “no” everywhere else.
If you work, you can drive. It's that simple.