Auto Loans in Temecula (CA)

Are you shopping for a new or used vehicle, but you need to work out your financing? We can help. We’ve spent years building relationships with lenders and dealers across the country, and we have lenders and dealers approve you for the financing you need. It is difficult to envision an easier way to secure your auto loan.

Advantages of our System for Temecula Borrowers

  • Less stress and worry about getting your credit approved.
  • Appointment to select your car.
  • Application is free of charge.
  • Both new and used cars and trucks approved for financing.

Financing a Car with Bad Credit in Temecula

There are all sorts of complications which can bring about less-than-perfect credit: outstanding bills, repossession, bankruptcy, etc. Nobody likes to deal with being turned away from a lender. This is the reason it is essential to find a company in Temecula that helps people with bad credit. The good news is, we specialize in serving customers all across the credit spectrum, getting them the loans they need.

Temecula Bad Credit Car Dealers

If you have bad credit, your salesperson will speak with you about financing before anything else.

If you apply through us, you can line up your funding arrangement in advance, then set up an appointment for you to sign and drive. Your car payment should never be more than 10% of your income. For someone earning the Temecula average of $2,547 a month, this is $255. The calculation is pretty simple. All you have to do is multiply your monthly income by .10 for your own maximum payment.

Buy Here Pay Here Financing in Temecula, CA

If you’ve got dealt with bankruptcy or repossession, a buy here pay here dealer might possibly appear to be a good option. Dealers like these will finance practically anybody, regardless of their credit, but there are downsides.

Disadvantages include:

  • Ridiculous Finance Fees
  • Outrageous Down Payments
  • Steeply-Priced Cars and Trucks
  • Aggressive Repossession Tactics

There’s more: these dealerships seldom work with the credit agencies, which means you could make every single payment as agreed without reviving your FICO score.

Loan Amounts for Temecula Residents

The amount you can finance will be determined by your income bracket and credit tier. Have a look at these numbers based off of an income of $2,547 a month, the average in Temecula.

Credit Score Multiplier Amount
Good Credit 10 $25,470
Fair Credit 9 $22,923
Subprime Credit 8 $20,376
Bad Credit 7 $17,829
Horrible Credit 6 $15,282

The truth is, it’s best to secure fewer funds than you really can.

Financing a Car at $204 per Month

Have you determined how much car is feasable? Check the table below. The rates are only estimations, and the figures are derived from $30,560 in annual income, the Temecula average. Repayment term is 60 months.

Prime Credit Average Credit Poor Credit
Payment $204 $204 $204
Rate 3.50% 7.00% 11.00%
Purchase Price $14,001 $12,863 $11,714
Down Payment $2,800 $2,573 $2,343
Interest Paid $1,025 $1,935 $2,854

Apply Online in 90 Seconds

Regardless of your credit, we’d love to help you secure the funds you need. Submit your application, and we’ll get you approved. It’s quick, easy, and there’s nothing to lose.