Life is hard; buying a car shouldn't be. At Helm Associates, we focus on your future… not your past. That’s why we offer auto loans to those with bad credit, no credit, repossession, and bankruptcy. Everyone deserves the freedom that comes with owning a quality vehicle. For over 24 years, thousands of great people with less-than-great credit have looked to Helm for reliable transportation–at a cost they can afford. Why Helm? *Here are the Top 10 (ok… they’re actually 12) Reasons Why Helm is the Best in the Business:Top rated stamp *We are a nationally ranked Top 5 auto lender *We have been in business for over 24 years *We have over 24,000 satisfied customers, many of whom are repeat buyers and refer their friends and family members to us *We offer short-term loans that can save you thousands of $$ *We can help you rebuild your credit score *We do not charge any bank fees–or late fees! *We offer very low down payments, as low as $295 *We offer flexible payment plans that fit your budget (from about $59 a week!) *We have a great referral program that gives you $100 cash for each referral…and after eight, WE WILL HELP PAY OFF YOUR LOAN, up to $8,000 *We offer flexibility with insurance coverage with a liability-only option available *We offer no-cost credit counseling from credit experts *We have community “pay it forward” programs that give back to the neighborhoods we serve