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Auto Loans in Spring Valley (CA)

At Motive Auto Finance, we understand the challenges you face when trying to finance a car with bad credit. It’s smart to work with a lender who will not only fund your loan, but offer you an affordable rate. We have established an unmatched network of dealers and lenders that whose primary goal it is to get you into the car you want.

Your vehicle finance expert will help you set up your finance package, and then you’ll visit the dealership and pick out your new car or truck. Visit here to submit your credit application and speak with a professional.

Auto Loan Spring Valley CA

Spring Valley Car Dealers for Bad Credit

If you are searching for an auto dealer in Spring Valley that takes low credit scores, you’re in the right place. In any sub-prime financing scenario, you can expect:

  • Higher APR rates.
  • More upfront cash required.
  • Smaller loans.

However, the experience is better than that of a buy here pay here dealer, and your vehicle will in all probability cost you less in both upfront costs and interest. We have many of these dealers in our network, and when you apply online, we can pair you with one who wants to put you in the driver’s seat.

New or Used Vehicle?

New car? Used car? It pays to do your research. In a lot of cases, a pre-owned vehicle is best. The APR rates for new cars are more affordable, sure, but pre-owned vehicles cost a lot less overall.

New Car Used Car
Age New 1 Year Old
Price $19,330 $14,498
Down Payment $3,866 $1,450
Interest Rate 5.00% 7.50%
Months 60 48
Payment Amount $291.82 $315.48
Finance Fees $2,045 $2,095
Total Paid $21,375 $16,593

Buy Here Pay Here Auto Loans in Spring Valley, CA

For those who have substantial credit problems on account of issues like bankruptcy or foreclosure, a buy here pay here dealer might possibly seem like a realistic approach. Such dealers offer auto loans on location, whereas traditional dealerships make use of banks and finance companies, and they are more concerned with your income than your credit.

Regrettably, you can look forward to inflated loan rates, large down payments, and vehicles that are too expensive for their mileage. If raising your credit score is important to you, you should submit your application through us, seeing as buy here pay here car lots won’t help you increase your credit.

Securing the Right-Sized Loan

It is tempting to purchase a more expensive vehicle than you can actually afford. This chart reveals how much car the average Spring Valley consumer can afford based on a monthly income of $1,933, a car payment that’s 8% of this income ($155), and a term of 60 months.

Good Credit Okay Credit Bad Credit
Income Per Month $1,933 $1,933 $1,933
Monthly Payment $155 $155 $155
Interest Rate 3.50% 7.00% 11.00%
Down Payment $2,125 $1,952 $1,778
Interest Paid $778 $1,469 $2,166
Total Investment $11,404 $11,231 $11,056
Purchase Price $10,626 $9,762 $8,890

Used Cars for Sale in Spring Valley, CA


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