Auto Loans in Valencia (CA)

A car, truck, or SUV is one of the bigger investments in life, so it’s important to work with a finance specialist to secure the right loan. Our industry partnerships are second to none, and we have finance professionals set and ready, awaiting your application. Enjoy the convenience of having a devoted financing professional who can address your questions and arrange your loan.

New and Used Vehicle Loans in Valencia

Have you considered if you’re going to buy a new or pre-owned car or truck? As the following table shows, pre-owned cars typically save you money in the end, regardless of their elevated rates of interest.

New Car 1 Year Old Car 2 Year Old Car 3 Year Old Car
Percent of Original Price 100% 75% 60% 50%
Price $41,330 $30,998 $24,798 $20,665
Down Payment $8,266 $3,100 $2,480 $2,067
APR 5.00% 7.50% 7.50% 7.50%
Months 60 48 48 48
Monthly Payment $623.96 $674.54 $539.63 $449.69
Finance Charge $4,374 $4,480 $3,584 $2,987
Total Paid $45,704 $35,478 $28,382 $23,652

There’s no need to decide today. Simply submit your application, and chat with an auto finance representative about your options.

Bad Credit Car Loans in Valencia

Credit scores are pivotal when financing a car not just in Valencia, but everywhere. Has yours weathered a few bumps along the way? You don’t want to deal with a credit denial, and therefore it is essential to contact a dealer or lender in Valencia that accepts subprime credit. Through us, you can contact an automotive finance expert from a dealer or lender in your area who wants to work with your credit.

Credit report inaccuracies have grown pretty widespread. Have you ensured that your credit report is free of inaccuracies?

You really ought to take a look at your credit report a minimum of once a year. Not doing so could result in higher rates, scaled-down loans, and less chance for approval.

Buy Here Pay Here Financing in Valencia, CA

Buy here pay here car dealers normally finance people who’ve got severe credit problems such as:

  • Bankruptcy
  • Foreclosure
  • Asset Repossession
  • Debt Settlement
  • IRS Liens

These types of car lots grant auto loans on the lot, in contrast to traditional dealerships which outsource this, and they are more focused on your job than your credit.

Alas, you should be prepared for exorbitant loan rates, huge down payments, and vehicles that are too expensive for the number of miles they have. Is strengthening your credit a priority for you? Then you should contact an automotive finance professional through us, seeing as BHPH dealers can’t help you improve your credit.

Getting a Loan for a Car in Valencia: What Amount Can You Finance?

Take a look at the maximum loan amount you could finance given various levels of credit. We’ve provided a table depicting loan amounts for individuals with an income of $4,133 per month, the average in Valencia.

Credit Score Multiplier Loan
Good Credit 10 $41,330
Average Credit 9 $37,197
Temporary Bad Credit 8 $33,064
Bad Credit 7 $28,931
Really Bad Credit 6 $24,798

It’s always a bad idea to finance a more expensive car than you need, just because you can. Have you considered how much car is in your budget? Have a look at the numbers below, but bear in mind the rates of interest have been estimated, and the figures are based on an annual income of $49,598, the Valencia average. Repayment term is 5 years.

Exceptional Credit Decent Credit Bad Credit
Income Per Month $4,133 $4,133 $4,133
Payment Amount $331 $331 $331
Interest Rate 3.50% 7.00% 11.00%
Sticker Price $22,719 $20,872 $19,009
Money Down $4,544 $4,174 $3,802
Note Size $18,175 $16,698 $15,207
Interest Paid $1,663 $3,140 $4,631
Total Paid $24,382 $24,013 $23,640

Complete Your Online Application

If you have less-than-perfect credit, don’t fret. A finance manager will lead you through the lending process, helping you get approved at a competitive rate of interest.