Bob Shinn from AllCreditCarLoans gives an insight to his car loans business

Bob Shinn, an innovative businessman and creator of All Credit Car Loans talks about his ability and passion to help someone obtain a car loan. His business offers a fast and reliable car loan service that even helps those with bad credit scores. His website AllCreditCarLoans has a lot to offer for those seeking a vehicle loan.

Bob answered some questions about his business.

What inspired you to start your business?

I’ve long been a fan of the Internet’s ability to connect buyers and sellers and to facilitate transactions. I’ve had experience helping to connect Internet searchers with service providers in the past and I’ve had experience helping car dealerships generate new business so combining the two ideas seemed a natural fit.

I chose to focus on the auto finance market because it is poised to grow significantly in the next 5 years due to the decreasing unemployment rate and higher per capita income levels.

How does your business make it easy for someone to get approved for a car loan?

Traditionally buyers who want to get the best possible deal on a new car or truck have had to spend time traveling from dealer to dealer and from bank to bank to determine their final costs and financing options.

Even web-savvy customers have had to from one website to another to accomplish the same thing.

We provide an always available service to allow our clients to apply for an auto loan from the convenience of their home or mobile phone. Our application process is a simple one-page form that takes only a few minutes to complete.

Once they’ve submitted their one-page application, we work to match them with a lender that can best help them. Factors such as their desired car (new or used), geography, credit-worthiness, and work history are evaluated in order to help us select the lender that is the best fit for them.

Then we get to work to get our clients pre-approved for an auto loan that meets their needs and budget. Once approved, they can take their loan with them to the dealership and negotiate their purchase just like a cash buyer would.

How do you help people with bad credit history to get a car loan?

Our team of lending partners and auto dealerships include companies that specialize in helping customers with less-than-stellar credit obtain car loans. These partners are focused on helping applicants with low credit scores, bankruptcies as well as those who may be first-time buyers and/or students.

One of the spinoff benefits of conducting the application process via the Internet has been that clients who know that they have credit challenges and who have been reluctant to go directly to a car dealership because of them, can use our service to safely learn about their auto loan options without running the risk of embarrassment.

We believe that, regardless of a borrower’s credit score or ability to make a sizable down-payment, that the auto financing process should be as easy and dignified as possible.

Is there any limit to the kind of car that can be purchased with the loan?

Though we don’t impose any lending limits, each lending partner has their own minimum requirements which can help to establish their lending limit for a particular credit situation and buyer.

How soon are people able to get behind the wheel of their new car?

Car loan approval can take as little as one to two days. In some cases, we have been able to get clients approved for financing and they’ve driven their new car home on the same day.

What are you doing to expand your business and how it can help people get car loans?

We are currently in 234 markets across the United States and we are expanding our network of lenders and dealerships into another 350 markets by the end of 2018. We are predicting a large surge of growth during 2019 as we start expanding into some of the smaller underserved markets.

Thanks to Bob for answering these questions.
You can contact Bob Shinn at

Mark Salindong
Mark Salindong
Just a young and motivated fella that loves creating insights on stories for all to read. I am an outgoing person who enjoys interviewing different sources and writing about what they do.
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