(Please see average or above credit)
If you have average or above credit rating, usually 700+ FICA, and established credit worthiness, please contact your financial institute. 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 year, miles and your credit. Rates are as low as 4% on newer cars, and it usually takes 24 to 48 hours.
FASTEST AND EASIEST WAY TO GET FINANCED, WITH YOUR GOOD TO EXCELLENT CREDIT:
Apply on line and get funded in 24 hours thru Sun Trust Bank,
Copy and paste the link below on your browser, easy financing, great rates.
Golden One Credit Union,
Apply on Line at:
(877) 465-3361 Option 7, Ext# 3123.
COASTHILLS CU - Northern SB County and SLO County 855-774-5626
State Farm Auto Finance - Financing available for older cars too, Please contact Ralph at 805-687-8480
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 ANY HOUSE FINANCING. WE ARE NOT BUY HERE - PAY HERE DEALERSHIP
If you have below average credit, we recommend finding a co-signer with good credit, however if that is not an option, you may have to get a sub prime loan. These are high interest loans, usually 18-25% interest, with good amount of down payment .