Need an auto loan in Apple Valley, CA? No matter if you’re looking for a used car or a new one, it’s our mission to help you get in the driver’s seat without the inconvenience of a paper application. Your application will be safeguarded by SSL encryption.
Zero Down Payment Cars in Apple Valley, CA
Of course, we can help you get no money down auto loans in Apple Valley. However, down payments are always a good option. How muchis sufficient? Divide how much your vehicle costs by five (20%). If you can come up with that much, you would be offering a stellar down payment, but you may be able to find cars in Apple Valley, CA for $500 down. We even have some zero down car lots in Apple Valley, CA.
You also need to consider your installment payment. Never invest more than 18-20% of your income for your California car loan. Consider average numbers for California drivers.
- $39,187: Income (Annually)
- $3,266: Income (Monthly)
- $588 to $653: Car Payment
Credit issues? Read more about California car loans for bad credit.
Financing a Car with Bad Credit in Apple Valley, CA
It’s essential to budget properly for your car loan in Apple Valley, CA. After all, you wouldn’t want to decrease your fico score even further. This rule of thumb is key: do not dedicate more than 15% of your income monthly toward paying off your bad credit loan. For the average Apple Valley consumer, this is equal to $490. At the same time, you should offer a considerable down payment whenever possible. New cars lose value immediately. A down payment serves to counterbalance this.
In addition, we suggest that you spend your money on an affordable used vehicle that offers good gas mileage.
Post-Bankruptcy Auto Loans in Apple Valley (CA)
Filing for bankruptcy or having one of your cars or trucks repossessed is very damaging to your credit score. Countless California residents are concerned with whether or not they’ll be able to finance a car after bankruptcy or repossession. Fear not; there are finance companies that offer auto loans in Apple Valley, CA, regardless of whether you have struggled with:
- Declaring Bankruptcy (Ch. 7 or 13)
- Property Foreclosures
- Repossessed Vehicles
As you’ve probably learned, it takes 7 years for a case of bankruptcy to disappear from your credit history. The majority of loan companies can’t authorize auto financing until the filing is 2 years old.
Bad Credit Dealerships: Apple Valley, CA
For many individuals in Apple Valley, California, buy here pay here lots are becoming the final option with regards to getting approved.
These dealers are often referred to as: Tote the Note, Your Job is Your Credit, or in house financing dealerships in Apple Valley, CA.
If you’ve got a bad credit report, going with a buy here pay here car dealership in Apple Valley, California might sound perfect.
Unfortunately, you need to take into consideration a few major cons. The APR rates and advance payments are higher than average, and you’ll have little chance to improve your credit through such an establishment.
But don’t fret, we may be able to help you get approved for the car loan you need without relying on in house financing.
Apple Valley (CA) Used Car Lots That May Provide Auto Financing
- Access Auto Sales, 21960 Bear Vly Rd, 92308