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Auto Loans in Cupertino (CA)

Having your loan approved ahead of time is a smart approach, given that it makes shopping for a car a much more simple process. For years, we’ve been establishing relationships with dealers and lenders across the country, and we have one of the best approval rates in the industry. We match you with a finance expert who can help you obtain the loan you need for the vehicle you desire.

Bad Credit Car Dealerships in Cupertino, CA

Don’t let credit stand in the way of your next car. We have access to dealers all across California who are willing to compete for your business. As opposed to buy here pay here dealers, these dealers offer:

  • Interest rates that aren’t exorbitant.
  • Down payments you can afford.
  • New vehicles, instead of only used ones.

The dealer will look at your credit and income to decide which models you qualify to finance. We suggest you get yourself a vehicle that won’t overly tax your finances, with a payment of about 10% of your income, if not less. If you make $4,168 monthly, this would be a payment of $417.

An experienced finance specialist can help you determine how much you can borrow, and at what rate of interest. To get going, all you have to do is apply online.

Will You Need a Down Payment?

Is your idea to purchase a new car without providing a down payment? Lenders prefer that you supply money upfront, since doing so will decrease risk inherent in the loan, affording you a cheaper rate of interest and possibly better terms. You may be able to buy a car in Cupertino without putting down any cash, especially if you have a used vehicle to offer in trade. Consult a dedicated lending consultant and find out if you’re capable of qualifying.

Cupertino Buy Here Pay Here Dealerships

For those who have dealt with bankruptcy or foreclosure, buy here pay here financing may well sound like a sensible approach. It’s true, they don’t conduct credit assessments, which means your credit problems probably won’t be a hindrance, but you will end up paying quite a lot for this.

Most often, used autos are the only ones available, and these are not no down payment car loans. Normally, the down payment is nearly as much as you would pay for the vehicle if you decided to buy it from the classifieds. Rates in the neighborhood of 20% APR are common. This is why these dealers don’t have a great track record. Let us put you in touch with a reputable dealer who will work with you, regardless of your credit.

Creating a Budget for Your Vehicle

The best car, with regards to price, will be based on your income and APR. Not more than 8% of your monthly earnings ought to be invested in your new payment. To give an example, Cupertino consumers have an average income of $4,168 a month, and 8% of this is $333.

Good Credit Fair Credit Bad Credit
Monthly Income $4,168 $4,168 $4,168
Car Payment $333 $333 $333
Rate 3.50% 7.00% 11.00%
Term Length 5 Years 5 Years 5 Years
Money Down $4,582 $4,210 $3,834
Interest Paid $1,677 $3,167 $4,670
Total with Interest $24,589 $24,216 $23,840
Sticker Price $22,911 $21,049 $19,170

Used Cars from Cupertino Dealerships


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