Auto Loans in Yuba City (CA)

In Yuba City, there are several options for obtaining an auto loan, but few firms have refined the experience like ours has. We’ve spent years establishing a network of lenders and dealers across California, which means we can help applicants get pre-approved for a car loan, even if their credit isn’t ideal. Ordinarily, we can position our customers with the right lender or dealer in real time.

Why Get Your Loan Approved Ahead of Time?

  • Dealers and finance companies forced to compete to approve you for financing.
  • Improved negotiating leverage.
  • Less time spent haggling on the day of purchase.
  • No minimum credit score required.

Bad Credit Yuba City Auto Loans

Consumers with excellent credit benefit from low annual percentage rates and advantageous terms. Unfortunately, millions of people have faced credit problems, many of which were brought on by the financial climate. Seeking out a loan company in Yuba City who specializes in bad credit is extremely important. After all, you don’t want to have your application turned down or be charged an inflated APR rate. More often than not, we can match you with a dealer or lender in Yuba City who wants to approve your loan.

Car Dealerships for Bad Credit in Yuba City

Trying to find a car for which you can get approved at a good rate is very important, and you might not be qualified to finance all of the cars for sale.

If you apply through us, you can line up your finance contract beforehand, then choose a day to visit the lot and sign for your vehicle. Make certain that your loan payment isn’t beyond 10% of your income. For an individual making the Yuba City average of $2,230 of income per month, this is $223. Half that much, $112, is far better.

Buy Here Pay Here Dealers in Yuba City, CA

The BHPH industry would love you to believe that you can’t get financed anywhere but with them, but this usually isn’t the way it is. It’s true, they do not look at your credit, which means your credit problems shouldn’t be an impediment to approval, but you really pay for this over the long haul.

Cons include outrageous interest rates that border on the state’s legal limit, as well as high rates of repossession There’s more: these car lots don’t report to the credit agencies, and that means you could make every single payment punctually without helping your credit score.

Yuba City Income and Finances

  • Income Per Annum: $26,760
  • Monthly Income: $2,230
  • Average Car Payment: $245
  • Optimal Car Payment: $178 (8% of monthly income)

Are you wondering how much car is feasable? Check the numbers below, but keep in mind that the rates are only estimates, and the figures are based upon $26,760 in yearly income, the Yuba City average. Repayment term is 60 months.

Great Credit Fair Credit Bad Credit
Monthly Installment $178 $178 $178
Loan Rate 3.50% 7.00% 11.00%
Repayment Months 60 60 60
Vehicle Price $12,258 $11,262 $10,256
Money Down $2,452 $2,252 $2,051
Interest Paid $897 $1,694 $2,499

Ready to Get Started?

We are your trusted source when it comes to finding, and funding, a car in Yuba City. Connect with a finance professional in your area now.