Get Approved
Baltimore, Maryland's destination for luxury used car financing
Apply Online for a Car at Exclusive Motorcars
At Exclusive Motorcars, we provide a seamless and stress-free auto finance experience, regardless of your credit situation. Our dedicated team is here to help you get behind the wheel, whether it's a used BMW, pre-owned Mercedes-Benz, or any other vehicle. Even with bad or no credit, our dealership near Baltimore can assist in building or repairing your credit score. Schedule a meeting with our experienced auto finance experts to discuss interest rates and secure approval for a reasonable payment plan when financing a used car in Randallstown.
Get pre-approved for an auto loan in minutes with Exclusive Motorcars, the best used car dealer in Baltimore. Our quick and easy car loan approval process is designed to save you precious time and get you behind the wheel of your new car faster. Fill out the form below and secure the best loan rate regardless of your credit history.
Buy a Used Car at Exclusive Motorcars
Don’t know what vehicle to get? Exclusive Motorcars will guide you through your options. Before coming into our Randallstown dealership, check out our Car Buying Checklist to see what questions you should be asking our team to find the right vehicle for you. We’ll provide the expertise and advice you require, then guide you through our used car showroom. You’ll soon see how easy it is to afford a vehicle you love when you take advantage of our subprime auto financing options!
I’ve been turned down for a car loan before. Can I still get pre-approved?
Of course! We work with a large network of lenders and have the experience and connections to help you find financing that will work for you. We even work with a credit repair company that can help you raise your score by 60+ points in 60 days.
If I have bad credit, won’t my monthly payments be super high?
Not necessarily. We work with many different lenders so we can find solutions for all types of situations. We can also take advantage of our Credit Forgiveness Programs to help make sure your new ride is affordable!
Do I have to pay to get pre-approved?
No, there is no charge to get pre-approved. We want you to know your options and pre-approval is free at Exclusive Motorcars.
Am I locked into buying after I get pre-approved?
No, you won’t be locked into anything. Pre-approvals just show you how much banks are willing to lend you. If you do decide to buy, the lenders are guaranteed to honor the terms in your pre-approval.
I’m self-employed. Can I still get a car loan?
Absolutely. We work with a large lender network so that we are able to offer options for everyone regardless of how they make their living. Whether you’re a gig worker, freelancer, business owner or another type of #boss, we can get you approved.
How long does pre-approval take?
We know you’re anxious to get in that new car! We have bank representatives on site for same day approvals.
Low Credit FAQ's
What is a subprime car loan?
Subprime auto loans are offered by lenders to individuals who have low credit scores or poor credit histories. Typically, subprime borrowers have been turned down by traditional lenders because of low credit scores (generally under 600, though this has varied over time). If you’ve had difficulty getting approved for a car loan previously, subprime financing may be a good option for you.
How do I qualify for a subprime loan at Exclusive Motorcars?
It’s easy to qualify for a subprime car loan at Exclusive Motorcars, as we offer subprime financing to those with low or no credit, as well as those who have previously or are currently filing for bankruptcy. We even offer no money down financing, which makes securing a payment plan that works with your budget easy. All that’s required is that you proof of income and ID.
Are subprime loans bad for my credit score?
While a subprime car loan can hurt your credit score if you miss payments or default on the debt, it can actually improve your score if you continuously make payments on time. Therefore, getting a subprime loan can actually help you establish positive credit history.
Finance disclosures
The payment estimator is not an advertisement or offer for specific terms of credit and actual terms may vary. Payment amounts presented are for illustrative purposes only and may not be available. Not all models are available in all states. Actual vehicle price may vary by Dealer.
The Estimated Monthly Payment amount calculated is based on the variables entered, the price of the vehicle you entered, the term you select, the down payment you enter, the Annual Percentage Rate (APR) you select, and any net trade-in amount. The payment estimate displayed does not include taxes, title, license and/or registration fees. Payment amount is for illustrative purposes only. Actual prices may vary by Dealer. Payment amounts may be different due to various factors such as fees, specials, rebates, term, down payment, APR, net trade-in, and applicable tax rate. Actual APR is based on available finance programs and the creditworthiness of the customer. Not all customers will qualify for credit or for the lowest rate. Please contact an authorized dealer for actual rates, program details and actual terms.