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Car Loans – Irvine (CA)

We can help you secure the auto loan in Irvine CA you need, even when you have below-average credit. Yes, credit has been tougher to get, but there are loan companies who really want your business – it’s our mission to place your application with them. When you utilize our service, we’ll utilize our wide-ranging partnerships to track down the perfect car loan company, bearing in mind factors such as:

  • Where You Are (Irvine)
  • Your Credit History
  • Your Salary
  • Your Down Payment

Getting Approved

  • Average Irvine Income: $38,023 Yearly
  • Average CA Fico Score: 672

Nearly all car loan providers require you to earn at least $1500 income a month. Besides that, your level of existing debt, inclusive of your new loan, should not be more than 50% of your earnings. In Irvine, California, this comes out to $1,585, on average. Don’t meet these requirements? No problem. You might still be able to meet the criteria by going above and beyond in one or more of the following ways:

  1. Provide a Co-signer
  2. Furnish a Larger Down Payment
  3. Opt for Buy Here Pay Here Car Loans.

Car Loans For Used Cars in Irvine (CA)

You should invest only 1/5 of your monthly income for things like your:

  • Monthly Payments
  • Repairs and Maintenance
  • Fuel

If you make $38,023 per annum, this equates to $570 to $634 per month. Devoting in excess of this will risk your credit score and finances.

Car Loans with Bad Credit: Irvine, California

At Auto Loan in California, poor credit is no issue. Let’s look at California credit scores in general:

  • Avg CA FICO Score: 672
  • FICO Score Seen as Poor”: 620 or lower

No one likes to have their credit declined. We may be able to help.

Nearly all loan companies require applicants suffering from a bad credit score to have a regular income of $1500 per month, at minimum, and no more than $750 monthly in debt payments (including your auto loan).

Financing a Car Without Credit Check: Irvine, CA

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Most CA buy here pay here dealers allow you to buy a car or truck with no credit check, but this reduces your ability to improve your credit history.

When it comes to buy here pay here car dealers, also referred to as no credit check or your job is your credit dealerships, the auto loans are provided in house. Simply put, these locations offer in house automobile financing to California consumers who’ve got low credit ratings.

To some applicants, getting their car loan without a credit check seems like the way to go. Lamentably, you’ll want to give some thought to several main shortcomings. These include high aprs, hefty down payments, greater risk of deceptive lending tactics, and modest inventory.

You need to look into any CA buy here pay here dealer online. You’ll want to find somebody who has obtained a vehicle from them recently. Find out whether or not the dealership can be trusted.

Used or Buy Here Pay Here Dealers: Irvine (CA)

  • Autovalues.com, 5319 University Drive 220, 92614
  • Auto by Tel, 18872 Macarthur Boulevard, 92612
  • Bayshore Motors, 2172 Dupont Drive Suite 220, 92612
  • 1-800-2-CarSave, 2102 Business Center Drive Suite 130, 92612
  • Oc Nissan-Irvine, 30 Auto Center Dr, 90704
  • Tuttle Click Chrysler Jeep Dodge, 40 Auto Center Dr, 90704
  • Irvine MINI Cooper, 9881 Research Dr, 90704
  • Orange County Auto Guide, , 90743
  • Chevrolet of Irvine, 21 Auto Center Dr, 92678
  • Autobytel Incorporated, 18872 Macarthur Blvd, #200, 92811