At Phoenix Auto Finance, we realize that no one is perfect and everyone needs a second chance, and that's where we come in! You have found the ultimate source to obtain used car loans online without any hassle. We are the buy here pay here, No Credit Car Loan specialist in the Phoenix area. You can purchase a quality used car or truck without a long drawn out credit check process. Unlike our competitors, Phoenix Auto Finance reports your payment history to the credit bureau so you can establish or repair your credit!