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: Names, addresses, and phone numbers for at least three personal or professional contacts. Notable NJ BHPH Dealerships Dealership Key Feature Edison Auto Sales Edison, NJ "You Work? You Drive!" streamlined approval. Good Wheels Glassboro, NJ Specializes in matching inventory to your specific budget. Warner Motors East Orange, NJ Includes a "Worry Free" limited warranty on all vehicles. City Motor Group Newark/Passaic Offers sub-prime specialized finance departments. Important Considerations

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: Some reputable NJ dealers, like Gormley's Auto Center , report on-time payments to major credit bureaus to help you rebuild your score. What You'll Need to Qualify : Names, addresses, and phone numbers for at

: Because the dealer takes on more risk without a credit check, APRs can reach 20% to 28% . Good Wheels Glassboro, NJ Specializes in matching inventory

: Recent pay stubs, bank statements, or proof of government benefits (SSI/Disability).

: Most local programs require a state-specific license.