Garden State Credit is a sales finance company, licensed in the State of New Jersey, providing used vehicle loans to individuals with varying credit profiles. Our credit guidelines are more flexible than most major financial institutions. Each application submitted to our office is reviewed based on it's own merits; considering several factors which dictate customer's ability to repay the loan. Unlike other financial institutions who only consider your credit scores, Garden State Credit, considers stability of residence and employment or your businesses performance as major factors when reviewing your application.