All Approved Auto takes great pride in the automobile sales and service that it provides our community.  Here’s why we are the best at what we do:

  1. We have one of the largest selections of programs for Bad Credit/No Credit.  Our selection of finance programs, the care we take with special needs customers and the system we use to match the customer to the correct finance program is done to the highest level available.

  2. We only buy vehicles that will fit the budget and goals of our customers.  Our experienced personnel of auction remarketing experts can find the best quality cars at the best possible price. 

  3. We have a certified mechanic check out the vehicles with a thorough 64 inspection prior to sale.

  4. Our low overhead approach allows us to pass along good priced vehicles to you for less.  We don’t have large buildings, corporate executives and the like to pay. 

  5. We are a locally owned company that promises to treat you well.  We are personable, professional, honest and very good at what we do.

This is why pride ourselves as the best at providing financing options, lowest price, and quality used cars in Memphis for those with bad credit.  Yes we love to help customers with good credit, cash cars, trades ins … but no one can compete with us in providing the best deals for no credit or bad credit financing on quality used vehicles in Memphis TN .  Bad Credit Auto Loan with low down payment , Bankruptcy , Repossession , even possibility for no down bad credit loans . 

We see people all the time that come in literally in tears after being promised the world only to be let down or given a bad car.  After they leave All Approved auto with a good deal, we make people happy and make dreams come true.  It’s hard not to feel good about the work we do, because we are thanked by our customers.  Yes we are the ones that are proven to be Guaranteed Credit Approval and competitive interest rates on all credit types.

We accept all types of trades.  

Yes we would love to service your vehicle on a regular basis.  We have one of the lowest mechanical repair rates for a Certified Mechanic in the Memphis area. 

Not all dealerships can handle no credit or bad credit.  We specialize in subprime financing.  We simply have more options and programs to fit most anyone’s budget.  We build a budget for our customers and therefore the loan is a little less risky, so we are able to accept bad credit or no credit.  Our car loans are some of the most affordable of any buy here pay here, in house financing or special finance companies.  Our zero interest leases may require a larger down payment, however we also have regular auto loans with some of the lowest down payments and interest rates for bad credit in town. The more down payment you put on a car the lower we can make your payment.  If your income is under 1500 a month it may take a larger down payment, because we need to get your month note to a certain percentage of your monthly income.  We do report to the credit bureau, so that it will quickly build your credit score.  Good payments on an auto loan is one of the fastest ways to build that credit score.  We are the best used car dealer in Memphis with sale priced cars under $10,000.

Bud Jones - Sales Associate


Over 20 years of high level sales and service experience!

Eric Knowlton - Sales Associate

5 years of automotive sales experience.

George Campbell - Independent Sales Associate

Over 20 years of high quality sales, service, and customer management experience.

Matt Scott - Owner


Matt Scott has over 20 years experience in the automotive industry. He spent 14 years managing and opening some of the most successful wholesale auctions in the country. He also has over 9 years experience in retail auto sales and management with a focus on Sub-Prime Finance, Credit Repair, Bankruptcy Law, and Business Law. Matt graduated from the University of Memphis with a BBA and double major in Finance and Accounting and a 3.1 GPA despite being a member and leader in the SAE social fraternity in college. He also graduated from Christian Brothers High School being on the Dean's List, a stand out athlete, and an overall well rounded, kind hearted, awesome person. Yes I wrote my own bio!

John Winters - Finance-Sales Manager


John has been in the sales industry for over 15 years, and spent 4 of those years focused on Sub-Prime Finance. He has helped hundreds of people get financed regardless of their credit history. Good Credit, No Credit, Bad Credit, Bankruptcy, Wage Earner, John can get you financed. He has several different financing options to get you into the car of your dreams.

Tommy Smith - Business Manager


Born in Memphis, TN and a graduate of Ole Miss University in Oxford, MS with Honors. I majored in Business and Finance. I have been in Business Management and Finance for nearly 10 years helping companies to run efficiently and grow.