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SUBPRIME AUTO Loans North Little Rock AR

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Updated December, 2022

Get a Subprime Auto Loan in North Little Rock Arkansas

If you live in North Little Rock, Arkansas and can’t get approved for your auto loan due to poor credit, you’ve come to the right place. Our team of experts have provided a subprime auto loan resource page for each city in Pulaski County.

Auto loans can be approved for subprime borrowers by North Little Rock-based dealerships and local Pulaski County lenders because your vehicle acts as their security on the loan. As long as you can show you have a steady flow of income, you can usually be approved post haste.

At LSP we use SwiftWire™ – which allows for nation wide lenders to bid on your subprime auto loan as well.

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Subprime Auto Loan Providers
for North Little Rock Arkansas

Locate & Apply

Use the map below to identify subprime auto lenders in or near the North Little Rock, Arkansas area. We do not earn commissions from these companies, nor do we have any business arrangements with these North Little Rock lenders.

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Use the map below to identify dealerships in or near the North Little Rock, Arkansas area who provide subprime auto loans. We do not earn commissions from these dealerships, nor do we have any business arrangements with these North Little Rock dealerships.

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Service Area for Subprime AUTO Loans in North Little Rock AR

Today's video for December 09, 2022

FAQ: Subprime Auto Loans in North Little Rock AR


1.) Can I get an auto loan with a credit score of 500 or less?

Yes. If you have a credit score between 400 and 550, you may get approved for a subprime auto loan with your local North Little Rock lenders and/or dealerships. However, you will need to prove your debt-to-income ratio is such that you can afford your payments. You will need to prove you have a steady income as well.

2.) Do you have a Local Subprime office in North Little Rock, Arkansas?

No. is a nationwide lender-borrower conduit service, and does not have consumer office locations in North Little Rock, or anywhere in Pulaski County. We are in the process of merging with the company and will be relocating our offices to SoCal.

3.) Can I get a subprime auto loan with no cosigner?

Yes. Depending on your unique financial situation, you may or may not be required to have a cosigner to get approved. For example, if you have a steady income and can prove your total monthly payments are lower than your income, and you have room for a new subprime auto loan payment, you might not need a cosigner. This goes for your North Little Rock-based lenders, Pulaski County-based dealerships, and nationwide lenders.

4.) What is the average interest rate for a subprime auto loan?

We actually have a patented tool just for that. Use our APR (interest rate) estimator tool here. This tool uses your credit score and zip code to give you an estimate of what your true interest rate would be for a subprime loan in your local area of North Little Rock, Arkansas. The data used to give you an interest rate estimate is provided with answers from borrower surveys in your local area.

5.) Which dealerships in North Little Rock, Arkansas approve subprime auto loans?

This page has a map (above) showing all dealerships that provide loans to North Little Rock, Arkansas borrowers, and there is also a map showing subprime loans companies in, or near North Little Rock.

6.) Will applying for a subprime auto loan on your website hurt my credit rating?

No. Applying for a subprime auto loan here at LSP will never hurt your credit rating. This is because we do not carry out a soft or hard pull of your credit history. However, some third-party lenders may do so. Always check each company website to find out if they are doing a history pull.

7.) Can I get approved for a subprime auto loan if I recently claimed personal bankruptcy?

In some cases, yes. If you have a steady income and a solid debt-to-income ratio, you may get approved for a subprime auto loan with either a nationwide lender, or a North Little Rock, Arkansas-based dealership or lender.

8.) What will my monthly payments be?

You can estimate your monthly payments by using our payment schedule estimator here. The advantage of using our estimator is that it’s instant. Just use your estimated APR (interest rate) from step 7 above and this will give you a ballpark estimate of your monthly payments. Of course, your local North Little Rock area dealership or subprime auto lender will give you their estimate. We recommend shopping around for the lowest possible rate.


December 09, 2022 weekly financial tip.

Don’t Beat Yourself Up

When you have a low credit rating it can get stressful. Some folks are in such bad shape they’re getting phone calls from bill collectors day and night. No matter what your financial situation is, don’t beat yourself up. Literally BILLIONS of people in history have been in deep financial trouble at some time of their lives. Take one day at a time, make a plan, set a budget, and you can slowly start to reclaim your life. We guarantee you there are MANY others living all around you in the Pulaski County area dealing with the exact same problem.

If you find your stress and anxiety (caused by your finances) is starting to get really bad, please consider reaching out to your local North Little Rock-based counselors for help. We’ve included a link (above) that will give you a list of all the counselors near North Little Rock.

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