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Auto Loans in Citrus Heights (CA)

Before the internet, getting a car financed with bad credit in Citrus Heights, California, was a serious hassle. Then we came into the market and streamlined the process. Good credit may grant you more options, but we help you, the applicant, get approved for the car loan you need at a competitive rate.

In under one minute, we can put you in touch with a financing professional who’ll go the extra mile to get you approved.

Bad Credit Car Dealers in Citrus Heights, California

Low credit scores have been a bigger problem in California, mainly due to the economic crisis, and more and more dealerships now have finance departments that cater to people with poor credit. Just like any bad credit loan, expect increased interest rates and higher down payments, along with tighter repayment terms. On the other hand, remember that you’ll be getting not just a car, but also the chance to build up your credit. There are many of these dealerships in our network, and when you submit your application, we can pair you with one who wants to arrange your loan.

The Best APR Rates for Citrus Heights Consumers

Paying a lower interest rate can result in a lot of money saved.

Check out this chart showing the impact of different interest rates.

Good Credit Decent Credit Poor Credit
Loan $26,685 $26,685 $26,685
Interest Rate 3.50% APR 7.00% APR 11.00% APR
Monthly Payment $485 $528 $580
Total Interest $2,442 $5,019 $8,127

So that you can reduce your rate of interest, make sure you review your credit report for any mistakes. If you find an inaccuracy, contact the credit agency where you’re seeing the error. This is a fast and easy way to improve your credit. Also, lenders check your monthly debts as a percentage of your income–your debt-to-income ratio–so paying off some of your other debts can result in a lower rate of interest. Financing your vehicle for 60 months or less will result in a lower rate than a repayment term of 72 months or more, and it will reduce negative equity. Down payments are also worthwhile. The less The less of your car or truck that has to be financed, the better your interest rate will likely be.

Buy Here Pay Here Dealers in Citrus Heights, CA

Car lots in Citrus Heights that advertise buy here pay here financing differ from conventional dealerships in a few key ways. They…

  1. Furnish auto loans on location.
  2. Don’t require credit checks.
  3. Want weekly or biweekly payments, often in person.

Often people with really bad credit feel like a buy here pay here car lot is the only real establishment that will finance them, despite the fact that California subprime auto loans from credit unions and banks typically feature lower rates.

Which Cars Are Best For Citrus Heights Residents

Wondering how much you should shell out for a car? The following table reveals how much the Citrus Heights consumer ought to spend based on an income of $2,965 per month, a payment of $237, and a repayment term of 5 years–the maximum length you should consider.

Great Credit Fair Credit Subprime Credit
Payment Amount $237 $237 $237
APR 3.50% 7.00% 11.00%
Money Down $3,260 $2,995 $2,727
Total Interest $1,193 $2,253 $3,322
Total Paid $17,492 $17,227 $16,959
Sticker Price $16,299 $14,974 $13,637

Used Cars in Citrus Heights


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