Auto Loans in Victorville (CA)

Each day, we help people in Victorville get the car loans they need, even if they are trying to overcome such things as:

  • Damaged Credit
  • No Credit History
  • Significant Revolving Credit Debt

Our network of dealers and lenders is unequalled, and we have specialists approve you for the financing you need. We will match you with a lending consultant who can help you get the loan needed for the car you want.

Advantages of our Service for Victorville Consumers

  • Extensive range of California lenders and dealers.
  • Less time wasted on the lot when making the purchase.
  • 100% financing often offered for eligible credit seekers.

Bad Credit Car Loans in Victorville

Credit score is crucial when financing a car not just in Victorville, but everywhere. Has yours been through the ringer? So many people end up at one of the buy here pay here car lots in Victorville, because of a bankruptcy or other problems, but it is best to keep clear of these car lots. When you apply for financing through Golden West Auto Finance, our team works to place your application with a lender or dealer within driving distance who is willing to approve your credit.

Victorville Bad Credit Car Dealers

Seeing as credit is your principal obstacle, your sales rep will want to discuss financing right off the bat.

The dealer may expect you to validate your income through pay stubs or tax returns, and bring a lease or power bill with your home address on it. Your finance professional will have more information. Make certain that your auto loan payment is not greater than 10% of your income. For someone making the Victorville average of $1,573 per month, this is $157. Calculating this for your own income is simple enough. Simply divide your monthly income by 10 for your own maximum payment.

Victorville Buy Here Pay Here Car Lots

Thinking about heading to a buy here pay here dealer to get approved? Typically, there are considerably better options. Most dealer financing isn’t direct to the consumer, in that dealers go through banks and lenders with whom they have relationships to provide the loans. In contrast, BHPH dealers handle everything on site. They decide who gets financed on-site, typically with no credit check. The fact is, you will be faced with inflated annual percentage rates, high down payments, and cars and trucks that cost too much given how much mileage and wear they have been through. There is a good reason why these car dealers don’t have the best reputation. We can place you with subprime finance professional who can get you in the driver’s seat of an excellent vehicle, even if you have bad credit.

Loan Pre-approvals for Victorville Consumers

The amount you’ll qualify to borrow will be based on your income bracket and credit tier. These amounts use an income of $1,573 on a monthly basis, the average among Victorville residents.

Credit Score Multiplier Amount
Excellent Credit 10 $15,730
Average Credit 9 $14,157
Temporary Bad Credit 8 $12,584
Bad Credit 7 $11,011
Really Bad Credit 6 $9,438

But the truth is, it’s best to buy a less costly vehicle than you’re pre-approved to finance. Below we have a table showing what car can be afforded with a payment per month of $126, 20% down payment, and 5-year term.

Good Credit Okay Credit Bad Credit
Income Per Month $1,573 $1,573 $1,573
Monthly Installment $126 $126 $126
APR 3.50% 7.00% 11.00%
Term 5 Years 5 Years 5 Years
Purchase Price $8,647 $7,944 $7,235
Down Payment $1,729 $1,589 $1,447
Borrowed Funds $6,917 $6,355 $5,788
Total Interest $633 $1,195 $1,763

Ready to Get Financed?

There are lenders and dealers who are standing by to approve you for a loan. Our application is free of charge, and you could be buying your new vehicle before you know it.