McGrath Credit
Bad Credit? No Credit? No Problem!
Let’s get you started on our simplified pre-approval process — now with more options to make it even easier. Our team is ready to help with the conditions that make your situation unique.
Get pre-approved in minutes
With McGrath Credit, you’re seconds away from credit approval on your auto loan. McGrath offers a wide selection of new and used vehicles across the Midwest — plus a financing team with strong lending relationships dedicated to saving you time, money, and helping you get approved on the car you’ve been dreaming of.
- Quick online pre-approval
- Friendly, no-pressure help
- Options for many credit situations
Prefer in-person help? Visit our financing center and we’ll walk through everything with you.
The Area Leader in Auto Loans
A team built for real-life situations — and a process designed to help you move forward with confidence.
Work With Our Team of Experts
McGrath Credit is led by Jess Pira. Over that time she has built incredible relationships with our lenders, which helps us explain your individual situation and work together on finding a great auto loan.
Jess has a team of specialists at each McGrath location who spend every minute of every day working hard to find a vehicle that works for the lender — and that works for you.
Choose From the Best Selection
The vehicle you purchase is as important as your credit history. Lenders want to make sure you’re buying an affordable vehicle — and we’re here to help find the right fit for you and your lender.
The McGrath advantage is selection — with over 4,500 vehicles to choose from right here in Eastern Iowa. That means we will have the right vehicle for you.
The Right Car – The Right Budget!
At McGrath Credit, we get a lot of questions about securing car loans with different types of situations. After seeing many car shoppers struggle to secure financing, we set out to build strong relationships with vendors.
Today, we have relationships with over 35 vendors to provide car loans for people who may have bad credit, no credit, bankruptcy, or repossessions. We provide quick pre-approval and aim to help people from all backgrounds with financing.
Ready to Apply and Learn More?
Submit the application online here on our website. Or, if you’d like some face time, visit our dealership and auto financing centers. We’re conveniently located in Cedar Rapids, Iowa, and also proudly serve drivers in the greater Cedar Falls, Dubuque, Waterloo and Iowa City.
Your information stays private and is reviewed by our financing team.
Our Auto Loan Specialists Demonstrate a Passion for the Job!
Getting car finance options at a dealership shouldn’t make you glum. We’ve made it a point to craft a team of savvy lease and car loan experts committed to making sure you know exactly what you’re getting into — and to making the process as comfortable as possible. That means no pressure.
Because our team genuinely loves what they do (making car dreams come true), our customers don’t just leave with individualized car loan or lease rates; they leave happy.
McGrath Credit is here to help you get approved!
Our process is fast, confidential, and easy — all you need to do is get started.
Common Situations
- Bad credit loans
- No credit loans
- Loans after bankruptcy
- Loans after repossessions
- Loans after late auto payments
What You Get
- Quick pre-approval
- Financing help from real people
- Wide selection of vehicles
- Clear, comfortable process
Apply Now Online!
In just a few short minutes, you can fill out our secure online pre-approval form. Our finance team will review your situation and take care of the rest!
Our Staff
Our McGrath Credit team has built incredible relationships with our lenders over the years. Because of this, we can explain your individual situation and work together with them on finding a great auto loan.
We have specialists at each McGrath location that spend every minute of every day working hard to find a vehicle that works for the lender and that works for you.
Our Inventory
The exact vehicle selected is just as important as your credit history. Having thousands of vehicles available in Eastern Iowa helps us find a vehicle that you like — and that the bank likes.
Each vehicle can qualify for a different loan program. For example, a 2013 Toyota Camry with 32,000 miles will not have the same loan parameters as a 2014 Jeep Cherokee with 50,000 miles. Cash down, interest rate, term, and final payment can change with each vehicle selected. That’s why having a large local selection helps us quickly find the best options for your approval and desired payment range.
Ready to get approved?
Start your secure pre-approval now — we’ll handle the heavy lifting.