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Lucky's Auto Credit - Ogden
3241 Wall Ave, Ogden, UT
Lucky's Auto Credit - Salt Lake
3081 S. State Street, Salt Lake City, UT
Lucky's Auto Credit - Sandy
9032 S State St., Sandy, UT
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Home / How it Works

How It Works at Lucky's Auto Credit

Get Quick Approval on Used Car Loans – How does it work?

Lucky’s is a leader in Buy Here Pay Here lending in Utah, and is one of the fastest growing dealerships selling used cars and trucks in Utah! The reason is simple: We take great care of our customers, we help you with funding when everyone else turns you down, and our short term loans give you the opportunity to OWN the car you buy!

How long does it take?

The quickest way to know exactly how we can help is to visit one of our awesome locations and spend 5-10 minutes and complete an app. We don’t care about your credit, and approval is easy! We have a zero-pressure sales process because our #1 goal is to help you succeed!

How do I get Approved?

The process is simple, just come to one of our utah car dealerships or Apply Online to get started on getting a customized approval. This goes without saying, but it is very important and required that you can afford a payment within your situation and budget. We take the payment you can afford then determine what down payment is required to keep the payment where you can afford it. You have the option to upgrade your car if you can afford the payments and down payment. We are very motivated to help our customers succeed and would never put them in a bad situation with a payment they can’t afford.

Schedule an appointment today to come into the nearest location to get you started on the road to your new car purchase!

What should I bring in to get a quick approval on used car loans?

There are several important and easy things:  Utah driver’s license, proof of address (utility bill), and some sort of pay stub showing your income.  You can also get these later, but this will save you time to bring them in advance.

Department hours

3081 S. State Street, Salt Lake City, UT 84115
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Bad Credit

You can buy a used car regardless of your credit!

Bankruptcy Ok!

If you’re buying a used car and have a bankruptcy, no problem!

No Credit

Even if you don’t have a credit history, we can still help!

2017 Nissan Versa NA
2017 Nissan Versa NA
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2011 HONDA CR-V LX 2WD 5-Speed AT
2011 HONDA CR-V LX 2WD 5-Speed AT
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2010 TOYOTA COROLLA Base 4-Speed AT
2010 TOYOTA COROLLA Base 4-Speed AT
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2012 Honda CR-V LX 2WD 5-Speed AT
2012 Honda CR-V LX 2WD 5-Speed AT
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2011 Toyota Sienna LE 8-Pass V6
2011 Toyota Sienna LE 8-Pass V6
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2016 HONDA CR-V SE 2WD
2016 HONDA CR-V SE 2WD
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2020 Honda CR-V EX 2WD
2020 Honda CR-V EX 2WD
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2013 TOYOTA PRIUS C One
2013 TOYOTA PRIUS C One
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2015 Ford Fusion SE
2015 Ford Fusion SE
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2013 Toyota Corolla LE 4-Speed AT
2013 Toyota Corolla LE 4-Speed AT
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