Auto Loans in Pleasanton (CA)

Are you interested in buying a new or used vehicle, but you need to line up your financing? We’d be happy to help. Rather than waiting until you’re in negotiations at the dealership, we enable you to apply for financing in advance. More often than not, we can place borrowers with an interested lender or dealer in as little as 60 seconds.

Cars Both Used and New in Pleasanton

Have you determined if you’re going to buy a new or used vehicle? Despite steeper rates of interest, used cars cost less money, as this table reveals.

New Car 1 Year Old Car 2 Year Old Car 3 Year Old Car
Percent of Original Price 100% 75% 60% 50%
Retail Price $72,190 $54,143 $43,314 $36,095
Owed Upfront $14,438 $5,414 $4,331 $3,610
Interest Rate 5.00% 7.50% 7.50% 7.50%
Years 5 4 4 4
Monthly Payment $1,089.85 $1,178.20 $942.56 $785.46
Interest $7,639 $7,825 $6,260 $5,217
Total Cost $79,829 $61,968 $49,574 $41,312

It’s not necessary to decide today, but if you submit your application, you can speak to an auto finance representative about your options.

Buying a Car with Bad Credit in Pleasanton

Have you got poor credit resulting from unpaid bills, unemployment, foreclosure, or even bankruptcy? Nobody likes to deal with rejected credit. Because of this, it is essential to find a company in Pleasanton that approves non-prime credit. When you apply online through us, our team works to match you with a lender or dealer in Pleasanton who wants to approve your credit.

Getting your credit approved, not choosing your new vehicle, typically comes first at any dealership that finances bad credit.

Car dealers often charge more expensive rates than those offered by the lender. To ensure you get a reasonable rate, be sure to ask the dealer the rate offered by the lender. Never let yourself be persuaded into financing a vehicle that’s more pricey than you budgeted for. Remember: improving your credit score is most critical.

Pleasanton Buy Here Pay Here Dealerships

In house financing, otherwise known as buy here pay here financing, has grown in the past few years, mainly because so many people’s credit ratings suffered on account of the down economy. Such dealerships provide funding directly, while conventional dealerships utilize off site lenders, and they are more focused on your job than your credit. Disadvantages include:

  • Extortionate Finance Fees
  • Extortionate Down Payments
  • Steeply-Priced Vehicles
  • Aggressive Repossession Tactics

Because of this, these dealers don’t have a very good reputation. We want to place you with dealer finance professional who can get you approved, even if you’ve experienced bankruptcy.

Pleasanton Consumer Profile

  • Income Per Year: $86,624
  • Income Per Month: $7,219
  • Recommended Car Payment: $361 to $722 (5-10% of monthly income)

Ready to determine how much car you really can afford? Check the numbers below. The annual percentage rates have been estimated, and the figures are based upon a yearly income of $86,624, the average in Pleasanton. Loan length is 5 years.

Great Credit Okay Credit Subprime Credit
Monthly Income $7,219 $7,219 $7,219
Car Payment $578 $578 $578
Loan Rate 3.50% 7.00% 11.00%
Car Price $39,683 $36,457 $33,202
Down Payment $7,937 $7,291 $6,640
Total Interest $2,905 $5,485 $8,089
Total Investment $42,588 $41,943 $41,292

Complete Your Finance Application

We’re your trusted source for auto financing in Pleasanton. We will put you in touch with a dealer or lender located in Pleasanton.