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Auto Loans in Huntington Beach (CA)

A bad credit score impacts roughly 25% of California residents. Luckily, we work with car lots in Huntington Beach that take people with poor credit. Here’s how the process works:

  1. You apply online.
  2. Our advanced approval software matches you to a car lender or dealer.
  3. Your creditor calls you to complete your bad credit vehicle financing package.

Bad Credit Car Dealerships Huntington Beach California

Huntington Beach Car Dealerships for Bad Credit

It is important to keep away from buy here pay here dealers, reputed as they are for predatory tactics of one kind or another. There are bigger dealerships that serve people who have poor credit and provide a much better financing experience. Compared with a BHPH car lot, such dealers typically offer more affordable rates and more desirable terms. The dealer will assess your credit and income to decide which models you can finance. It is wise to opt for an affordable, efficient vehicle that has payments amounting to 10% of your income. For people who earn $3,640 per month, the average in Huntington Beach, this would be a payment of $364.

A lending specialist is standing by, waiting to determine how much you’re eligible to borrow, and at what interest rate. To begin, simply submit your application.

Verification Documents for Huntington Beach Borrowers

To reduce the risk of identity theft, dealers and lenders must confirm things like your identiity, where you work, and where you live. Lenders and dealers usually require that you provide:

  • Personal Identification
  • Proof of Employmentand Residence
  • Contact Information for Personal References

Your financing expert will tell you about any extra documentation that’s required.

Buy Here Pay Here Dealers in Huntington Beach, California

The BHPH industry hopes you assume that no one but them will finance you. However, this usually isn’t the case. They won’t pull your credit, so bad credit probably won’t be a hindrance to getting approved, but you really pay for this down the road.

Most often, preowned autos are the only ones you can buy, and these aren’t no down payment car deals. Normally, the down payment is set at the vehicle’s wholesale value, and you could end up paying up to 20% APR. Is raising your credit a concern for you? If so, you should contact an auto finance professional through us, as buy here pay here dealers can’t help you raise your credit.

Cars in Huntington Beach For Your Budget

Make sure you don’t buy more car than you really need. Try and avoid spending greater than 8% of your monthly earnings on a car payment. If you live in Huntington Beach and make $3,640 on a monthly basis, this would be $291.

Exceptional Credit Decent Credit Subprime Credit
Income Per Month $3,640 $3,640 $3,640
Monthly Payment $291 $291 $291
Interest Rate 3.50% 7.00% 11.00%
Years 5 5 5
Down Payment $4,002 $3,677 $3,348
Interest Paid $1,465 $2,766 $4,079
Total with Interest $21,474 $21,149 $20,820
Vehicle Price $20,009 $18,383 $16,741

New And Used Cars in Huntington Beach

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