Are you wary of buying a car on account of a low credit score? We’d be happy to help. We work with a wide network of lenders and dealers, which means we can help applicants of every credit type and budget. Let us match you with a finance specialist who can help you obtain the car loan needed for the vehicle you desire.
New and Used Cars in Pismo Beach
Have you decided whether you’re going to buy a new vehicle or a used one? In spite of higher interest rates, pre-owned cars cost less money, as is depicted in the chart .
|New Car||1 Year Old Car||2 Year Old Car||3 Year Old Car|
|Length||5 years||4 years||4 years||4 years|
Whether you end up buying new or used, we would love to help. Don’t hesitate to apply online.
Financing a Car with Bad Credit in Pismo Beach
Borrowers who have good credit benefit from highly affordable annual percentage rates and advantageous terms. Unfortunately, a lot of people don’t have this luxury. Thankfully, there are lending companies and dealerships in Pismo Beach that have experience serving people who have credit problems. The good news is, we serve people who have credit problems of all kinds, getting them the loans they need.
Credit Reporting Discrepancies
If you want to minimize your interest rate, make sure that you inspect your credit report for irregularities that could be lowering your score.
Thankfully, it is reasonably easy to resolve such inaccuracies, and doing it could lead to a lower rate of interestAPR and more advantageous terms.
Buy Here Pay Here Dealers in Pismo Beach, CA
Buy here pay here car dealers usually finance people with significant credit problems such as:
- Filing bankruptcy
- Auto Repossession
- Debt Settlement
Dealers like these will approve pretty much anybody, no matter their credit, but there are disadvantages. Drawbacks include:
- Outrageous APR Rates
- Inflated Down Payments
- Overpriced Cars and Trucks
- Aggressive Repossession Tactics
There’s a reason why these car dealers have a dirty reputation. Let us place you in the hands of a reputable dealer who will work with you, even if you’ve experienced bankruptcy.
Pismo Beach Consumer Profile
- Income Per Year: $33,673
- Monthly Income: $2,806
- Recommended Car Payment: $140 to $281 (5-10% of monthly income)
Here we have a table showing what car can be afforded with a payment of $224, 20% down payment, and 5-year term.
|Exceptional Credit||Average Credit||Subprime Credit|
Ready to Get Started?
No matter your credit, we can help you obtain the funding you need. Submit your application, and we’ll get you approved. It’s quick, easy, and risk-free.