If you meet the requirements below and can provide the necessary documents, we're ready to help you find your next vehicle


Must be a US resident, and at least 18 years of age
We accept all forms of income, W2, self-employed, including child support, government benefits, even unemployment compensation.


Bring the following documents and materials:
A recent pay check stub, or 3 months bank statements for self-employed.
Utility bill, or bank statements for proof of residency.
Copy of phone bill, or family plan, for proof of phone. Valid ID.
customer testimonials bad credit auto loan
Don’t let your credit limit what you drive. We work with all credit backgrounds to give you the auto loan you deserve. Smart Auto Finance specializes in helping consumers with bad, little, or no credit or bankruptcy.
Find out how we can help you get safe and secure auto financing.
Bad Credit Auto Loans Madison Wisconsin
Credit Questions?
Credit questions

A Smarter Approach

Located at:
6509 Odana Road
Madison, Wisconsin, 53719
Smart Motors location

Traditional Auto Dealers provide financial services for a majority of their consumers with excellent or good credit. They often do not have the time, or the willingness it takes, to get tough credit deals approved by the banks. Pick it up with Smart Auto Finance provides a unique approach, tailored to effectively accommodate customers facing troublesome credit issues. We specialize in bad credit auto loans in the Madison, Wisconsin area, contact us for details.

The first step towards a new car is the completion of our credit application. Our superior, comprehensive application takes into account the many variations among lender scorecards, allowing our specially trained finance experts to evaluate your credit profile quickly and accurately.

Next, you’ll meet one-on-one with a member of our well-trained staff. Our knowledgeable Finance Experts are ready to educate you about your purchasing options and ways to improve your credit.Looking for an auto loan but have bad credit?  Smart Auto Finance in Madison can help you get financing.

Once we have secured appropriate financing arrangements, it’s time to select one of our many quality cars that fits your needs and your budget. This process prevents the disappointment of finding the “perfect” car, only to be declined for financing. We make the car buying process quick and easy, with many of our customer’s driving home on their first visit.

Come in to see how Smart Auto Finance is a little different, and a lot better.