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U.S.A and Canada is a free broker/referral and bad credit car financing service for people with credit problems. We are not a lender and do not make loans or credit decisions in connection with loan offers. We do not endorse, recommend or favor the products of any participating lender or automobile dealership. is not an agent of you, the user, any participating lender, or car dealer. You should rely on your own judgment in deciding which available bad credit auto loan offer best suits your needs and financial means. The lender you select is solely responsible for its services.

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We offer easy bad credit auto financing and used car dealer matching for any credit situation including buy here pay here, sub-prime, no credit, good credit and no money down auto loans with minimal approval requirements and the best rates possible. We also offer bad credit personal loans by helping to match our clients to a lender that is best suited to their individual needs. Our job is to connect consumers seeking fast, hassle-free financial assistance with skilled, reputable lenders who can provide it, and we do this without charging any fees to our customers.