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Welcome to Auto Loan Capital. You are just a click and a 60-second application away from changing your credit outlook for the better.

To be clear, we serve all levels of credit but we specialize in helping people with a couple of credit boo-boos get approved for an auto loan.

A bad credit car loan is a classic two-fer as you get to improve your credit while you're enjoying a new or better ride.

Yes, you'll pay more for a bad credit auto loan, but not as much as you might think. The difference between a $7,000, three-year loan at 9 percent and 18 percent works out to just $1 a day. You can spend more than that on morning coffee and a newspaper -- and that pocket change won't be rebuilding your credit.

And here's the best part. Our service is free to you, and it puts you under no obligation. No wonder we're part of a company that has processed 3.7 million applications since 1989.

• We were founded by a three-generation, New Jersey car-selling family, and after setting up shop in Richmond, VA., we were named the fastest growing private company in the area. That got the attention of auto services giant Dominion Enterprises, and we're now part of their family.

• When you apply, your application is processed in our home office (protected by firewalls and secure encrypted servers) and then routed to a member of our dealer network -- dealers that are electronically linked to hundreds of lenders nationwide. They have the capability of slotting you to the best auto loan rate your credit score will allow.

• You'll be contacted by that dealer -- sometimes within minutes, nearly always within a day -- to set up a personal appointment. This is for your protection: We discuss personal financial matters in person only, as it's the only sure-fire way to protect your privacy.

• At the dealership, you'll learn about your available credit and learn about vehicle options. If you like the loan terms and vehicles, you drive away. If not, walk away without obligation.

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