Fast Auto Loans for Good Credit, Bad Credit & Everything in Between in Kentucky

Welcome to Tim Short AutoMax's Finance Department - the best auto loan resource in the Louisville, Harrodsburg, Elizabethtown, Lexington, Frankfurt, Lawrenceburg, Harrisville, Stanford, Nicholasville, and surrounding Kentucky communities. We offer a vast range of innovative and flexible financing solutions for all types of credit - good credit, bad credit, no credit, and first-time car buyer auto loan. As a matter of fact, we're so certain of our ability to help you find the perfect auto loan, we offer guaranteed approval - regardless of your previous credit woes. Best of all, getting started is as simple as completing our online credit application.

Guaranteed Approval for Bad Credit Auto Loans in Kentucky

Although purchasing a vehicle is a time to be excited, the process can be filled with uncertainty if you have bad credit or less than perfect credit. Will you be able to be approved for an auto loan? Does the dealership specialize in providing bad credit auto loan solution? At Tim Short AutoMax, we want to say "Yes and Yes!" We've forged valuable relationships with the top bad credit auto lenders and subprime lender specialists in the United States. We use our relationships with these premier lenders to provide affordable bad credit auto loans to customers from throughout Kentucky. As a matter of fact, we've been able to help customers with: 
  • Chapter 7 Bankruptcy 
  • Previous Auto Loan Repossessions 
  • Late and Missed Payments 
  • Divorce Issues 
  • Mortgage Foreclosures 
  • New U.S. Citizens 
Simply put, we offer guaranteed credit approval and will help you find the most suitable auto loan in 10 minutes or less. If you're tired of hearing "No" and are ready to drive today, complete our online credit application.

Guaranteed Approval for First-Time Car Buyers in Lexington & Louisville

If you're looking to establish your credit, a first-time car buyers auto loan from Tim Short AutoMax is the perfect place to start. We'll listen to your unique needs and guide you to the best no-credit auto loan. To date, we've helped countless customers from throughout Kentucky find a vehicle they love at monthly payments they can afford, and we will do the same for you.

Do First Time Car Buyers Need a Down Payment?

The down payment is the amount of money you will put down at the time you purchase your vehicle. There are no hard and fast rules about whether you'll need a down payment, and we will examine everyone's situation on a case-by-case basis. Even so, using a down payment is virtually always a smart decision. The more money you put down, the lower your monthly payment will be, and the more likely you'll establish a strong credit score.

Will I Need a Cosigner for a No Credit Auto Loan?

A cosigner is a friend or family member willing to sign the auto loan with you. As a cosigner, they agree to pay the monthly payments in the event you default on a loan. Similar to a down payment, everyone's situation is different. However, we've been able to successfully help many first-time car buyers in Kentucky find a vehicle they love at monthly payments they can afford without the use of a cosigner.

Contact Tim Short AutoMax for Guaranteed Approval Auto Loans in Kentucky

If you're tired of hearing "We're sorry….", Tim Short AutoMax is ready to say "Yes, you're approved!" We've helped countless customers with bad credit, no credit, bankruptcies, and first-time car buyers from throughout Kentucky and beyond! 

Your privacy is important to us.

Tim Short AutoMax takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


  • Monday 9:00AM-7:00PM
  • Tuesday 9:00AM-7:00PM
  • Wednesday 9:00AM-7:00PM
  • Thursday 9:00AM-7:00PM
  • Friday 9:00AM-7:00PM
  • Saturday 9:00AM-6:00PM
  • Sunday Closed