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Auto Loans in South San Francisco (CA)

A bad credit score makes it tricky to get approved for financing, but not when you apply with us. We allow you to find a lender or dealer that is able to cater to your credit and finances. We have spent years establishing an unparalleled network of lenders and dealers that can take your finance request online, lending you a number of advantages:

  • Faster funding.
  • Better bargaining power.
  • Extra self-assurance at the dealer.

Go ahead and apply online, and we’ll do our very best to match you with a dealer or lender in South San Francisco willing to grant you the loan you need.

South San Francisco Car Dealers That Accept Bad Credit

Most traditional lenders like banks decline applications from individuals who have low credit scores. Thankfully, there are dealerships that will finance applicants in this demographic. Since this is a high-risk loan, you can expect:

  • Increased rates of interest.
  • More money owed upfront.
  • More stringent repayment terms.

Having said that, the rates and terms are far better than you would be given at a used lot that does in-house financing with no credit checks. We have many such dealerships in our network, and you can get matched with one by submitting your application.

New or Pre-owned Car

It gets asked over and over: what’s best, a new or used car? A new car is worth just 80% of its retail value after the first year of ownership, and after 36 months, 50%. Therefore, you can usually get a better deal when you purchase used.

New Car Used Car
Years Old 0 1
Price $25,540 $19,155
Down Payment $5,108 $1,916
Loan Rate 5.00% 7.50%
Duration 60 months 48 months
Payment $385.58 $416.83
Interest $2,703 $2,768
Amount Paid $28,243 $21,923

South San Francisco Buy Here Pay Here Dealerships

If you have been through bankruptcy or foreclosure, buy here pay here financing could very well seem like a realistic approach. Generally, dealer finance isn’t direct to the consumer, in that car dealers work with off-site banks and lenders to finance the loans. In contrast, BHPH dealers engage in direct lending. They decide who gets financed in-house, usually without a credit check.

Problems include:

  • Exorbitant Interest rates
  • Inflated Down Payments
  • Steeply-Priced Autos
  • Ignition Kill-Switches

Because of this, these dealers don’t have a very good track record. We can match you with dealer finance specialist who can put you in the driver’s seat, even if your credit is really bad.

Creating a Budget for Your New Car

The dealership may be loaded with cars that you could purchase, but which wouldn’t be advisable. For best results, spend just 8% of what you make each month on your loan payment. If you live in South San Francisco and make $2,554 on a monthly basis, this would be $204.

Prime Credit Fair Credit Subprime Credit
Monthly Income $2,554 $2,554 $2,554
Car Payment $204 $204 $204
Loan Rate 3.50% 7.00% 11.00%
Money Down $2,808 $2,580 $2,349
Borrowed Funds $11,231 $10,319 $9,397
Total Interest $1,028 $1,941 $2,862
Total with Interest $15,067 $14,839 $14,609
Purchase Price $14,039 $12,898 $11,747

New and Used Cars from South San Francisco Dealers


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