Can my auto repair shop get a loan if I have bad credit?

Quick Answer: Yes, auto repair shops can qualify for funding with credit scores as low as 450 by showing consistent revenue deposits.

Maybe you maxed out credit cards buying tools when you first opened, went through a rough divorce, or that expansion to a second location hasn't paid off yet. Your credit score took a hit, but your shop still fixes cars and makes money. QuicLoans focuses on your business and revenue deposits, not old personal financial challenges.

What actually matters to QuicLoans for auto shop funding:

Monthly deposits: Consistent revenue deposits of $10K+ shows you have steady customers and cash flow to support a loan payment.
Time in business: Just 3 months in business meets our minimums.
Bank account activity: Regular business bank deposits and minimal overdraft activity demonstrate all the strength our underwriters need to approve your business.

Traditional banks want 680+ credit scores and might take weeks to reject you anyway. QuicLoans can approve auto shops with FICO scores as low as 450, often within hours of application.

Our business loans won't appear on your personal credit report either. Your shop is the borrower, keeping your personal credit clear for your mortgage, truck loan, or personal needs. The funding decision is based on your shop's performance, not your personal financial past.

Your credit score doesn't have to stop you from getting the working capital your shop needs.

Looking for more auto funding information? Explore all auto business loans →

Business Loans Built for the Automotive World

Simple terms. Fast funding. An easy process built for shops that need capital fast.

Get a Working Capital Loan

3 to 36 Month Terms · Rates of 1-3%/mo · Approved & Funded In Hours · No Prepayment Penalty

Funds deposited directly into your business checking account via ACH or wire. Loan amounts ranging from $10,000 to $2,000,000.

Minimums: 450+ credit · 3+ months in business · $10K/month revenue · No Startups

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Our Simple Process

Takes minutes. Minimal documentation needed. It should’ve always been this easy.

Takes 5 Minutes
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Tell us the basics, we’ll take care of the rest.

Required: Online application, last 4 months of business bank statements

Time: ~5 minutes

Review Offers

You’re in control. Choose what works best for you.

Required: Just review and decide

Time: 2 - 12 hours

Receive Funds

Get funded and get back to business... fast.

Required: Signed docs, and typically just a driver’s license and a voided check

Time: 3 - 72 hours

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Can my auto repair shop get a loan if I have bad credit?

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