Bad credit isn't the end of the conversation.

I work with people the big stores turn away — repos, bankruptcies, no credit history at all. Tell me where you're at and I'll tell you straight whether I can get it done. No guessing, no wasted trip.

See what I can do Call or text me

The questions I get every day:

I had a repo two years ago. Am I done?

No. Most lenders I work with care more about what you've done since than the repo itself. Time passed and steady income matter more than the mark.

My score is in the 500s.

That's a normal week for me. Score is one input. Income, time on job, and down payment often move the needle more.

I've never had credit at all.

First-time buyer programs exist and I use them constantly. Bring proof of income and we'll build from there.

I drive for Uber, Lyft, or DoorDash.

Gig income counts. Bring bank statements instead of pay stubs and we work with what's actually hitting your account.

How much do I need down?

It depends on the lender and the car, and anyone who quotes you a number before looking at your situation is guessing. I'll give you a real range once I see it.

Will asking hurt my credit?

Filling out this form doesn't touch your credit. Nothing gets submitted anywhere until you and I talk and you tell me to go ahead.

What happens after you hit send

I call or text you, usually same day. Ten minutes, and I'll ask about income, time on job, and what you can put down.
I take it to my lenders before you drive anywhere. You find out what's realistic while you're still sitting at home.
If it works, you come in and pick something. If it doesn't, I tell you what to fix and when to come back. That call is free either way.

Start here

Six questions. Takes about a minute.

Your name

Best number to reach you

Monthly income, roughly

Money you can put down

How would you describe your credit?

Do you have a trade-in?

This isn't a credit application and nothing here is pulled or submitted. It goes straight to my phone so I can call you back with something useful. Approval, terms, and down payment are set by the lender and the dealership, and nothing on this page is a guarantee of financing.

Got it.

I'll call or text you from (206) 788-7180, usually within the hour. If you'd rather not wait, call me now.

Why me and not the 1-800 number

I've sat with more than a thousand buyers and funded a few hundred deals in situations most people assumed were hopeless. I'm not going to tell you what you want to hear so you'll drive down here. If your deal doesn't work today, I'd rather spend five minutes telling you exactly what to change so it works in ninety days.