Get a fast, no-fee auto loan in minutes through Helm Associates no matter what your financial situation may be.

Bad Credit, No Credit, Repossession, Bankruptcy or less than perfect credit of any kind, we will get you the auto loan you need.

As a leader in automobile financing for over 25 years, we finance good people that are struggling with bad credit. We understand everyone hits a bump in the road we call life, and that’s why we’re able to approve anyone in need of a loan for a vehicle. Our bad credit auto loans have a process that is easy, fast, and hassle-free!

A short-term used car auto loan may help rebuild, repair, and re-establish your credit… so don’t wait any longer. Call us at 855-795-1253, stop in TODAY, or get approved now! We have helped over 25,000 people in the Philadelphia, PA and south/central New Jersey area…and WE CAN HELP YOU!


Get an instant decision and shop with confidence.
 Fast and Easy Process – Apply today means you shop today.
 Competitive Rates
 Shop empowered at the dealer with your approval in hand.


We specialize in financing great people with less-than-great credit! You can DRIVE TODAY! Our short-term bad credit auto loans can help re-establish, repair & rebuild your credit quickly!


Our bad credit auto loans experts can help you DRIVE TODAY regardless of your credit history! With our 5-minute pre-approval process, you can call or stop in and drive TODAY!


Are you in need of flexible payments–with NO LATE FEES–or just on a limited budget? You can drive for as little as $295 down and $59 a week! Easy same-day financing is our specialty!

Customer Care

While many companies say that customer care is #1, Helm actually enforces it at every level and demonstrates it through action.

We’re invested with you not only from Day 1, but every day until your loan is paid off. Your ability to drive to work every day or pick your children up at school is just as important to you as it is to us.

At Helm Associates, customer care really is Job #1.

“From the time I first walked in to get my vehicle, I can say I’ve had exceptional service. The best experience I had was with my Account Manager, Issac. I am so pleased with, Issac. His professional mannerism, as well as exquisite service is unmatched. He’s made my experience with Helm Associates a great one. I’m always so pleased to talk with him and he helps in any situation. Thanks Issac, you’re the best!”

Kesha R. Watkins

Loyal Customer

“This was one of the best transactions we have ever encountered. They were very helpful and took us step by step with our contract. I would refer any of my friends and family in a heartbeat.”

Onesius T., Philadelphia, PA

Loyal Customer

“We want to thank all of you for giving us a chance.”

Yanci N., Quincy

Loyal Customer

“Helm Associates were excellent, prompt and professional.”

Corinna J., Philadelphia, PA

Loyal Customer

“I appreciate them taking a chance on me and believing in my character.“

Rachel K., Croydon, PA

Loyal Customer

“My husband and I were very satisfied with the entire staff.”

Tracey W., Philadelphia, PA

Loyal Customer

We Want to Hear From You!

Your feedback is VERY important to us. Whether positive or negative, we want to know how you feel.