Tote the Note Financing

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What is Tote the Note Auto Financing?

Tote the note financing is becoming more popular in the auto industry among bad credit borrowers. This type of financing refers to car dealers that offer car buyers with bad credit a chance to get into a vehicle when they have been turned down by other lenders. These car lots offer the financing right at their dealership instead of using third party finance companies like banks or credit unions. Auto Credit Express has helped more than 1.7 million bad credit consumers get into safe and reliable cars, and tote the note dealers are one of the many options available in our lending network.

Differences Between Tote the Note and Traditional Dealerships


  • Give the customer a different shopping experience
  • Accept any credit situation
  • Don't always report to the credit bureaus




Because they don't do credit checks, they may not report to the credit bureaus either. If your dealership doesn't report your good payment behavior, it means that even if you pay every week on time and in full, your credit score won't improve like it would with a car loan from a traditional or subprime lender. If possible, make sure that you work with a dealer who reports timely payments on a regular basis. They do exist.

Bad Credit Buyers Choose Tote the Note Car Lots

Being turned down at a regular dealership for an auto loan because of your past credit history can leave you feeling embarrassed and ashamed. Now you know that there is a place where you know you'll be approved - a tote the note dealership. You know that you have a steady income and make enough to pay for the vehicle, and you also know that these car lots offer guaranteed credit approval to anyone.


  1. Guaranteed Approval
  2. Weekly payment options
  3. Cheaper pre-owned cars

Keep in mind that the cars on these lots are not beat up junkers that you wouldn't want to be seen in. Most of them are late model, like-new, used cars with low mileage and good engines.

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Tote the Note Down Falls


No Guarantee of Credit Repair
As stated earlier, many of these dealers don't report your payments to the three major credit bureaus: TransUnion, Equifax, and Experian. Doing business with these dealers means that unless you take out another type of loan to start rebuilding your credit score, when you need another new vehicle down the road you will need to get yet another high interest auto loan. So, try to find a BHPH dealership who reports timely payments.

GPS Tracking is Enabled
Almost all vehicles sold on a tote the note car lot are equipped with GPS tracking devices, and as soon as you sign on the dotted line of your paperwork, the device in your car is turned on. Once activated, the dealer will know where you are going at all times, making it easier for them to repossess the vehicle if you miss a payment.


Automatic Shut Off Device
In addition to a GPS tracker, your BHPH car will be enabled with an automatic kill switch. This allows the dealer to turn off all power to the engine if you miss your payment. The automatic shut off device combined with the GPS tracking makes repossession a lot easier for them, and allows them to turn the car over more quickly for a faster profit.

Where to Find Tote the Note Car Dealerships
If you have experienced financial difficulty in the past, such as bankruptcy or a damaged credit rating, you're not alone. Auto Credit Express can help you get back on the road with a poor credit auto loan from your local tote the note car dealership. Our quick, simple and secure online application is the first step to getting your next car. Once you've met with your finance manager, he or she will help you finalize all the details and get you driving away in your new used car the same day.

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