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Auto Loans in Turlock (CA)

Bad credit impacts around 1 out of every 4 California consumers. To aid you, the borrower, we have car dealerships in our network that specialize in bad credit in Turlock. Every single day, we help folks in Turlock get approved for auto financing despite:

Bad Credit Auto Loans Turlock California
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  • Poor Credit
  • No History of Credit
  • Bankruptcies
  • Unsettled Bills

That’s simply what we do. Ready to get cracking? Follow this link to submit your application.

Bad Credit Car Dealerships in Turlock, California

Most banks don’t lend to individuals with damaged credit. However, there are dealerships and specialty lenders that do accommodate credit-challenged consumers. In any sub-prime financing scenario, expect:

  • Interest rates that are more expensive.
  • Down payments that are larger.
  • Loans that are smaller.

However, keep in mind you’re getting a car, of course, but also the opportunity to raise your credit score. We work with many of these dealerships, and you can find one that wants to work with your credit by applying online.

New Versus Used Cars

Many consumers in Turlock aren’t aware loans can be had for both used and new vehicles. Oftentimes, a used vehicle is a better deal. The APR rates for new cars are low, but pre-owned vehicles will cost you a lot less.

New Car Pre-owned Car
Age New 3 Years Old
Price $22,420 $11,210
Down Payment $4,484 $1,121
APR 5.00% 7.50%
Months 60 48
Payment Per Month $338.47 $243.94
Finance Fees $2,372 $1,620
Total Amount Paid $24,792 $12,830

Buy Here Pay Here Dealerships in Turlock, CA

Buy Here Pay Here Car Dealerships Turlock California
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Often known as buy here pay here, tote the note, or your job is your credit car dealerships, these establishments generally have a few key features. They…

  1. Grant car loans in house.
  2. Don’t require credit checks.
  3. Want you to make your installment payments each week, often at the lot.

Countless people with really horrible credit assume that an in house financing car lot is the only real establishment that will accept their credit, even though there are quite a few negatives:

  • High Financing Fees
  • In-Person Payments
  • High Risk of Repossession

Creating a Budget for Your Vehicle

The ideal car, price-wise, will depend largely on your income and credit. This is a good general guideline: spend no more than 8% of your monthly earnings on your car payment. To give an example, consumers in Turlock have an average income of $2,242 each month, and 8% of this is $179.

Prime Credit Okay Credit Bad Credit
Income $2,242 $2,242 $2,242
Car Payment $179 $179 $179
Rate 3.50% 7.00% 11.00%
Down Payment $2,465 $2,265 $2,062
Loan $9,859 $9,058 $8,249
Interest Paid $902 $1,704 $2,512
Total with Interest $13,226 $13,026 $12,824
Vehicle Price $12,324 $11,323 $10,312

Cars from Turlock Dealers

Zipcode Make Model Minimum Price Maximum Price Condition
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