Auto Loans in West Hills (CA)

Are you in the market for a new or used vehicle, but you still need an auto loan? We’d be happy to help. We serve buyers in West Hills and all over the state of California, helping them arrange their auto loans long before they visit the dealer. Experience the convenience of working with a devoted financing consultant to answer any questions you have and set up your loan.

Credit Acceptance for West Hills Consumers

  • Be truthful when you submit application.
  • Offer at least 10% of the vehicle in advance.
  • Challenge any inaccuracies on your credit file.

West Hills Car Loans for People with Bad Credit

Credit scores are critical when trying to finance a car in West Hills. Has yours suffered in recent years? Many shoppers are led to believe they have no choice but to purchase from one of the buy here pay here car lots in West Hills, due to below-average credit, but it’s likely that you can get a car loan at a more affordable rate from a subprime auto lending company. We can help. We serve customers at every point on the credit spectrum, getting them the loans they need.

Searching for Inaccuracies on Your Credit Report

Mistakes on an individual’s credit report are getting to be quite common. Have you made certain your credit hasn’t been the casualty of mistaken identity or human error?

Each year, you can check your credit without spending a dime at AnnualCreditReport.com, in accordance with the FACT (Fair and Accurate Credit Transactions) Act, to ensure you receive the annual percentage rate you deserve.

Buy Here Pay Here Car Lots in West Hills, California

For people who have experienced bankruptcy or foreclosure, a buy here pay here dealer may appear to be a realistic approach. They don’t perform credit assessments, so bad credit shouldn’t be a hindrance, but you really pay for this down the road. Downsides include:

  • Extortionate Rates of Interest
  • Extortionate Down Payments
  • Overpriced Vehicles
  • Ignition Kill-Switches

Is strengthening your credit one of your goals? If so, you should apply online through us, as BHPH dealers won’t aid you in raising your credit.

West Hills Consumer Profile

  • Income Per Year: $40,708
  • Income Per Month: $3,392
  • Recommended Monthly Payment: $170 to $339 (5-10% of monthly income)

West Hills Car Loans Based on FICO Score

The amount you ought to shell out on a new car or truck depends on a wide variety of variables. The estimations in the chart below are based upon a monthly payment of $271, which is 8% of the average consumer’s monthly income in West Hills, coupled with a 20% down payment and 60 month repayment terms. Rates are simply estimations.

Prime Credit Decent Credit Subprime Credit
Income Per Month $3,392 $3,392 $3,392
Monthly Payment $271 $271 $271
Loan Rate 3.50% 7.00% 11.00%
Repayment Months 60 60 60
Vehicle Price $18,646 $17,130 $15,601
Down Payment $3,729 $3,426 $3,120
Interest Paid $1,365 $2,577 $3,801
Total with Interest $20,011 $19,708 $19,402

Submit Your Application Here!

No matter your credit, we’re ready to help you secure the funding you need. Apply online, and we’ll get you approved. It’s quick, easy, and there’s nothing to lose.