Auto Loans in Tulare (CA)

Cars have become more and more pricey, so it is crucial to work with a dealer you can trust. For years, we’ve been cultivating a network of lenders and dealers across the United States, and we are dedicated to matching you to the lender that suits you best. We will match you with a finance expert who can help you obtain the loan necessary for the car you desire.

Cars Both New and Used in Tulare

Both used and new cars and trucks can be financed through our partnered lenders and dealers. Take a look at these figures, showing how much it costs to finance a vehicle that is brand new, versus one that is 1-3 years old.

New Car 1 Year Old Car 2 Year Old Car 3 Year Old Car
Retail Price $14,000 $10,500 $8,400 $7,000
Money Down $2,800 $1,050 $840 $700
Loan Rate 5.00% 7.50% 7.50% 7.50%
Months 60 48 48 48
Monthly Payment $211.36 $228.49 $182.79 $152.33
Interest $1,481 $1,518 $1,214 $1,012
Total Cost $15,481 $12,018 $9,614 $8,012

Actually, it may be easier to finance a new car if you have a low credit score.

Auto Loans in Tulare with Bad Credit

Credit score is of utmost importance when buying a car. Has yours weathered a few bumps along the way? While a bad credit score can make it tougher to finance a car, it’s by no means hopeless. Through us, you can contact an auto lending specialist from a lender or dealer in your zip code who is willing to approve your loan.

Does Your Credit Report Contain Errors?

Errors on credit reports have become relatively widespread. Have you ensured that your credit hasn’t been the victim of mistaken identity or human error?

Luckily, it is not that tricky to notify the credit bureaus of any such inaccuracies, and doing it could lead to a lower and improved terms.

Buy Here Pay Here Dealers in Tulare, California

People young and old in Tulare head for buy here pay here dealers, under the impression that they can only get approved with no credit check. Not true. Dealers like these will approve practically anyone, regardless of their credit, but there are downsides.

More often than not, used vehicles are the only ones available, and these aren’t no money down car loans. Usually, the down payment is as much as the vehicle’s value at dealer auction, and rates of up to 20% APR can be expected. Because of this, these dealers have a lousy reputation. We want to match you with a reputable dealer who can get you in the driver’s seat of a really good vehicle, even if your credit is really bad.

Loan Amounts for Tulare Consumers

Want to find out how much you can finance given factors such as your credit and income? We’ve provided a table depicting the maximum loans for Tulare residents with an income of $1,400 a month, the average in Tulare.

Credit Income Factor Loan Amount
Great Credit 10 $14,000
Average Credit 9 $12,600
Temporary Bad Credit 8 $11,200
Bad Credit 7 $9,800
Terrible Credit 6 $8,400

Truth be told, though, it’s a better idea to purchase a less costly car or truck than you actually could based on your income and credit.

Auto Loans at $112 per Month

Are you wondering how much car you can get financed? Check the estimations below, but remember that the lending rates have been approximated, and the numbers are based on $16,802 in annual income, the Tulare average. Repayment term is 60 months.

Great Credit Okay Credit Poor Credit
Income Per Month $1,400 $1,400 $1,400
Payment $112 $112 $112
Interest Rate 3.50% 7.00% 11.00%
Sticker Price $7,696 $7,070 $6,439
Down Payment $1,539 $1,414 $1,288
Loan Amount $6,157 $5,656 $5,151
Interest Paid $563 $1,064 $1,569

Complete Your Online Application

At Golden West Auto Finance, we’re experts at getting in the driver’s seat of a new car. We will put you in touch with a dealer or lender in Tulare.