Credit
problems?
No problem.
Your past shouldn't decide where you go next. Our Fresh Start Team helps Arizona drivers explore financing options and find a way back on the road.
Your story is more
than a credit score.
Life happens. We take the time to understand where you are now and help you explore what comes next.
Bad credit? No credit? You're welcome here.
Let's talk about your options
We look ahead.
Not backward.
Our Fresh Start Team works with multiple lenders, including lenders who specialize in post-bankruptcy auto approvals. We listen to your situation and help explore financing options that could get you back on the road. No lectures. No one-size-fits-all answers.
See how we workThree steps.
A clearer road ahead.
Getting started shouldn't feel complicated. We'll walk through it together, one step at a time.
Tell us a little about you.
Share your contact information, or give us a call. A conversation is the first step—not a commitment.
Explore your options.
The Fresh Start Team learns about your needs and works with multiple lenders, including post-bankruptcy specialists, to explore possible financing solutions.
Find your way forward.
Explore cars, trucks, and SUVs that fit your life, with support from a real person along the way.
Apply for
auto financing.
Your credit history doesn't tell your whole story. Share where you are today so our Fresh Start Team can explore financing options that may fit your needs and budget. We're here to answer your questions and help you understand what comes next.
Financing is subject to lender review and approval. Please review the application disclosures and authorization terms before submitting.
A real team to help you understand your options.
Prefer to talk first? Contact our teamCredit application
The application form will appear here on valleyautofinance.com after publishing.
The right ride
for your next chapter.
From your everyday commute to the whole-family road trip, we provide access to thousands of new and used vehicles. Let's find something that fits your life and your budget.
Talk to us about vehiclesCars
01 / EVERYDAYTrucks
02 / CAPABLESUVs
03 / ROOM TO GROWLet's find
your way
forward.
Tell us how to reach you. Someone from our Fresh Start Team can listen to your situation and help you understand your options. No pressure, no judgment.
Tell us how to
reach you.
Proudly
Arizona.
Our home is Phoenix, but our door is open to drivers all across the state. Wherever you're coming from, we're ready to meet you where you are.
Auto financing
questions, answered.
Every situation is different. Here are a few answers to help you take the first step.
Can I explore auto financing after bankruptcy?
Yes. The Fresh Start Team works with multiple lenders, including lenders who specialize in post-bankruptcy auto financing. They can discuss possible options based on your circumstances; approval is not guaranteed.
Can I talk to someone if I have bad credit or no credit?
Yes. Valley Auto Finance welcomes conversations with Arizona drivers who have bad credit, no credit, or other credit challenges. The team listens to your situation and helps you explore available financing options.
How do I get started?
Call 602-313-8891 or share your contact information on this site to start a conversation with the Fresh Start Team. If you're ready to apply, use the Credit application section to start your online application. We're here to answer your questions and help you understand your financing options. Financing is subject to lender review and approval.
Where can I visit Valley Auto Finance?
The site lists its Phoenix location at 2425 W Camelback Rd, Phoenix, AZ 85015. Valley Auto Finance also welcomes inquiries from drivers across Arizona.