Financing


Used car financing as low as 2.79%

We can get you financed in 24 Hrs!*

(see average or above credit)



Average and above Credit


If you have average or above credit rating, please stop by Carzoid and inspect the vehicle of your choice, we then contact one of the local Credit Unions to get the loan processed. Most Credit Unions offer the lowest rates, and best terms auto loans. In many cases you can get a car with no money down. Auto loan rate vary depending on your credit. Rates are as low as 2.79% on 2008 cars and newer, and it usually takes 24 to 36 hours.

Golden One Credit Union, (877) 465-3361 Option 1, Ext# 3123.

State Farm Auto Finance (805) 687-8480 - Highly recommended - Financing available for older cars too

Keypoint Credit Union (888) 255-3637

Ventura County: Ventura County Credit Union 805-477-4000 or Pacific Oaks Credit Union, 805-384-1100 or Wescom Credit Union 888-493-7266

San Luis Obispo County and N. Santa Barbara County: Coast Hill Credit Union: 805-733-7600

Los Angeles, Ventura County: Wescom Credit Union 888-493-7266 EXT 8226

US Military and Veterans: USAA Bank 1-800-531-USAA (8722)

Also there are many other credit unions that offer auto financing, ie. Teachers credit union, County Employee credit Unions and many others....If you live outside California Central Coast, and have good credit, please contact us and we can assist you.

We do not offer any in-house financing.



Below Average Credit

If you have below average credit, we strongly recommend finding a co-signer with good credit, to obtain an auto loan. You keep your monthly payments low and re establish your credit. .

However if you do not have a co-signer and you have below average credit (usually below 650), however a steady job and income, we MAY be able to arrange 3rd party financing with approximately 30% - 50% + down payment, and no less than $2500 to $3000 down
(Cars must have less than 120,000 miles, and be 2005 and newer). The down payment amount and financing terms all depend on the vehicle model year and miles. These loans are Sub-primes and short terms, 12-30 months. The interest rates are high, and have loan origination fees, Please come in and fill out an Auto Loan Application, and we will submit on your behalf to the following Sub prime lender.



Sub Prime financing

Done through ACT Finance, a local Santa Barbara Company. 805.434.8008