Auto Loans in Turlock (CA)

Are you wary of purchasing a car because of imperfect credit? We can help. For years, we’ve been establishing relationships with lenders and dealers across California, and we have finance professionals set and ready, expecting your application. It’s tough to imagine a better way to obtain the financing you need.

Used and New Cars in Turlock

New cars and trucks begin depreciating the second they leave the lot, but they have lower interest rates and lengthier repayment terms than pre-owned ones. In spite of higher rates of interest, used cars cost less, as you can see from the numbers that follow.

New Car 1 Year Old 2 Years Old 3 Years Old
Retail Price $22,420 $16,815 $13,452 $11,210
Owed Upfront $4,484 $1,682 $1,345 $1,121
APR 5.00% 7.50% 7.50% 7.50%
Months 60 48 48 48
Monthly Payment $338.47 $365.91 $292.73 $243.94
Total Interest $2,372 $2,430 $1,944 $1,620
Total Cost $24,792 $19,245 $15,396 $12,830

Ready to get your credit approved? To get started, submit your application.

Bad Credit Car Loans in Turlock

Banks typically only finance people with scores of 700 or higher. Even though poor credit could make it difficult to buy a car, it is definitely not impossible. We have the solution. At Golden West Auto Finance, we are known for serving people at every point on the credit spectrum, getting them the loans they need.

Looking for Errors on Your Credit Report

Credit report issues have grown quite commonplace. Have you ensured that your credit report is free from errors?

Luckily, it doesn’t take very long to dispute such discrepancies, and doing so could result in a lower rate of interestAPR and superior terms.

Turlock Buy Here Pay Here Car Lots

The BHPH industry wants you to think that you can’t get financed anywhere but with them, yet this is rarely the case. They don’t carry out credit checks, which means your credit problems ought not be a hindrance, but you will wind up paying quite a lot for this.

Alas, you can expect exorbitant loan rates, large down payments, and older vehicles that are overpriced. There is a good reason that these dealers don’t have a good reputation. We can place you with a reputable dealer who can get you approved, even if you’ve experienced bankruptcy.

Turlock Income and Finances

  • Annual Income: $26,901
  • Income Per Month: $2,242
  • Suggested Monthly Payment: $179 (8% of monthly income)

Turlock Auto Finance Rates and Payments

Wondering how much car is within your budget? Have a look at the table below, but bear in mind the rates of interest have been estimated, and the amounts are derived from an annual income of $26,901, the average in Turlock. Loan length is 5 years.

Prime Credit Fair Credit Bad Credit
Monthly Installment $179 $179 $179
APR 3.50% 7.00% 11.00%
Sticker Price $12,324 $11,323 $10,312
Money Down $2,465 $2,265 $2,062
Amount Borrowed $9,859 $9,058 $8,249
Interest Paid $902 $1,704 $2,512
Total with Interest $13,226 $13,026 $12,824

Talk to a Finance Specialist Near You!

We work with dealers and lenders who are willing to fund your loan. We will match you with a finance specialist from a dealer or lender near you.