Auto Loans for Single Moms

Students and people with bad credit are among the groups of people that are hardest to approve for loans. But did you know that single moms are also part of the club? Lenders realize that single moms have only one income, and that their income is not as good as a single dad would have. This is even if a single mom receives child support, because a huge part of the income goes to the upkeep of the house and children.

A single mom also needs a car to go to the grocery, bring kids to and from school and go to work. But the problem is late-model cars are usually out of the budget and older ones have the tendency to break down every month, if not every week. Older cars may be cheaper but you might just spend more on repairs, especially if you don’t have any idea how to fix it.

Fortunately, there are auto lenders, most of which operate online, that give auto loans to single moms like you. Although they are few in number and quite hard to find, the good news is there exist auto loans for single mothers in the market today who are willing to get your business even if you have faulty credit. There are even some that will really help you acquire better credit and a decent vehicle to drive in.

However, you still have to look at the requirements of these lenders and make sure you qualify. For one, you have to show them a copy of your credit report. You don’t have to pay for this; you can get a free copy from Experian, Equifax and TransUnion through You may have to pay for your credit score, though. But in any case—whether you have bad or good credit—you need to present your credit before the lender. You should also provide them with some proofs of income. Your most recent pay stubs and a document certifying you are receiving child support, if you are, will do.

Keep in mind that a very low credit score and a low income can hinder you from getting approved for an auto loan. So before applying, take a good look at these two and see if you need to improve either to increase your chances of getting approved.

As we top off, take note of these few reminders we have for you:
  • Try to get an extra job to augment your income. As we have said, a low income may not get you approved for an auto loan. Make sure that you are earning enough for all the expenses at home and for your children and car payments.
  • If you have bad credit, consider fixing your credit first before applying for a car loan. You can pay down some debts or start repaying loans on time. You can also improve your credit through secured credit cards.
  • Never buy a used car without taking it for a drive and looking at its history report. You should also have it inspected first before purchasing it. This is to avoid getting a lemon or a real clunker. Like we have said, used cars tend to break down often. Buying one then needs extra caution.


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Auto Approval Center is a lead provider to lenders around the US. Average APR rates range from 3.2% to 24% depending on credit. Some dealers/lenders may have implications for non-payment or late payments, please see your specific terms for more information. By applying with Auto Approval Center, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score. Thank You for your business!

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