If you are looking to buy a new car, you probably need an auto loan. We have a diverse network of dealers and lenders, and that means we can help applicants get pre-approved for a car loan, even if their credit isn’t perfect. It’s tough to imagine a better way to line up the financing you need.
Advantages of our System for Irvine Car Shoppers
- No need to stress about getting your credit approved.
- No need to work out price and APR together.
- Schedule an appointment to buy your car or truck.
- Most all credit scores accepted.
Considerations for People in Irvine with Bad Credit
Less-than-perfect credit has a few drawbacks:
- You will have to pay more in interest.
- You have to have a larger down payment.
- You have to finance for shorter terms.
Although a bad credit score could make it difficult to finance a car, it isn’t impossible. When you apply for financing through us, our team works to place your application with a lender or dealer in your area who wants to fund your loan.
Errors on one’s credit report are actually quite prevalent. Have you checked that your credit hasn’t been the victim of mistaken identity or human error?
Luckily, it is simple enough to contest these kinds of irregularities, and doing it could help you secure a lower and better terms.
Irvine Buy Here Pay Here Dealerships
The buy here pay here industry has boomed in recent years, largely due to the fact that so many consumers’ credit scores took hits on account of the economic crisis. Yes, they don’t pull your credit, which means your credit problems ought not be an impediment to approval, but it’s quite possible you’ll overpay for this privilege. Problems include:
- Extortionate APR Rates
- Inflated Down Payments
- Overpriced Cars and Trucks
- GPS Tracking Devices
If maximizing your credit score is important to you, and it ought to be, you should contact a vehicle finance specialist through us, seeing as BHPH car lots won’t assist you in improving your credit.
Irvine Consumer Profile
- Gross annual Income: $38,023
- Income Per Month: $3,169
- Optimal Car Payment: $158 to $317 (5-10% of monthly income)
Irvine Auto Financing Based on Credit Score
Have you wondered how much car is within your budget? Have a look at the estimations below. The interest rates are only estimations, and the figures assume an income of $38,023 a year, the Irvine average. Repayment term is 60 months.
|Exceptional Credit||Fair Credit||Poor Credit|
|Loan Term||60 Months||60 Months||60 Months|
Submit Your Application Online!
There are lenders and dealers who are willing to fund your loan. There isn’t any fee to apply, and you could be choosing your new car or truck in no time.