call 408.836.4432
Feb 10, 2014 Today’s Best Rate for South Bay Car Buyers 2.67% for 60 months



applying is easy!

start here

What if I have a bankruptcy?

Whether it’s a discharged Chapter 7 or an active Chapter 13, we have many lenders who specialize in auto loans for people with this specific need.

How much income must I have?

The usual minimum income required is about $2,000 per month. But this amount varies among lenders.

How much will my monthly payment be?

This is determined by several factors such as the vehicle you purchase, interest rate you qualify for, term and down payment.

What if I don’t have money to put down?

We have many programs that allow you to put zero money down, or when down payment is required, allow you to defer all or part of it.

What if I have a new job?

Everybody changes jobs. Your ability to pay off a loan is what’s important.

What if I have a trade-in?

Trade-ins are welcome, whether they are running or not. If you owe money or have a clear title, we can help.

What if I have repossession?

Many of customers have had repossessions in the past. Our business is helping you, the customer, re-establish credit.

What if I’m a first time buyer?

We have many programs for first time buyers.

What if I’m disabled or on Social Security?

Being on disability does not hinder your ability to obtain financing. Regarding Social Security, it is arguable that you have a relatively secure income.

What if I’m self-employed?

Being self-employed in most cases is not a problem.

What if I’m upside down in my trade?

In most cases we can get a little extra help from the bank to overcome negative equity.

Can I get an auto loan even if I have bad credit?

In most instances, yes! Our lenders will work with you every step of the way to help you get approved! Our lenders specialize in helping you get the auto loan you deserve.

How long does the application process take?

You will be contacted promptly by one of our credit specialist that will be handling your car loan request. The approval process is usually within several minutes and a few hours.

If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?

We offer Protection Plans and Extended Warranties that will cover your vehicle and give you peace of mind.

Is your program for new cars or used cars?

We provide both new and used cars. Our financial experts will help you determine the best situation for you.

What are the interest rates for my auto loan?

Interest rates are determined by the actual lenders and are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. Your auto loan expert will explain these factors, and tell you exactly what your interest rate will be.

What kind of vehicles can I get through your service?

We have all types of vehicles, both new and used. Sport utilities, vans, trucks, passenger cars, luxury cars and sports cars.

Will it help if I have a co-signer on the loan?

If your co-signer has good credit status, this will definitely help your chances of getting an approval