Get an Auto Loan Quote

Auto Loans in San Clemente (CA)

Banks and dealers always look at your credit score when deciding whether the should fund your loan, and a weak score could lead to the following:

  • Inability to get approved.
  • Increased rate of interest.

We allow you to find a dealer or lender that appreciates the opportunity to approve you for financing, regardless of your credit. We have built a vast network of dealers and lenders that can get you into the car of your dreams.

Your auto finance expert will be there to lead you through the financing process, step by step. Feel free to apply online.

San Clemente Car Lots That Finance Bad Credit

In this day and age, many dealerships have finance departments that cater to people who have below-average credit. Since this is a high-risk loan, you can expect:

  • Rates of interest that are more costly.
  • Down payments that are larger.
  • Loan repayment periods that are shorter.

On the plus side, they will get you financed through banks and finance companies that submit information to the credit reporting agencies, providing you with the ability to re-establish your credit. There are many of these dealers in our network, and when you submit your application, we pair you with one who wants to accept you for financing.

Choosing a Vehicle: New or Pre-owned

Both new and used vehicles can be financed through our service. New cars and trucks come with much lower rates of interest. Then again, they cost a lot more than their pre-owned equivalents, not to mention that the down payments required are a lot bigger.

New Car Used Car
Age New 1 Year Old
Price $41,440 $31,080
Down Payment $8,288 $3,108
APR 5.00% 7.50%
Months 60 48
Payment Amount $625.62 $676.33
Interest $4,385 $4,492
Amount Paid $45,825 $35,572

In House Financing Dealers in San Clemente, CA

Car dealers in San Clemente that offer in house financing are distinct from regular dealerships in some crucial ways. They…

  1. Finance auto loans in-house.
  2. Don’t perform credit checks.
  3. Ask for weekly or twice-monthly payments, often in person.

Countless consumers with really terrible credit assume that an in house financing car lot is the only real establishment that will finance them. But keep in mind, California bad credit auto loans from banks and credit unions typically have more affordable rates.

Cars in San Clemente For Your Budget

Make sure you don’t finance more car than you should. Take a look at the examples below, which demonstrate how much car the average San Clemente consumer can afford based on a monthly income of $4,144, a car payment equal to 8% of this income ($332), and a finance term of 5 years–the longest term you should consider.

Exceptional Credit Fair Credit Subprime Credit
Monthly Income $4,144 $4,144 $4,144
Monthly Payment $332 $332 $332
APR 3.50% 7.00% 11.00%
Term Length 5 Years 5 Years 5 Years
Money Down $4,556 $4,186 $3,812
Borrowed Funds $18,224 $16,742 $15,248
Interest Paid $1,668 $3,149 $4,644
Price with Interest $24,447 $24,077 $23,703
Sticker Price $22,780 $20,928 $19,060

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