Get an Auto Loan Quote

Car Loans – Santa Cruz (CA)

In Santa Cruz, California, auto loans have been more challenging to get. We’ve reduced the nonsense from car loans in Santa Cruz and all of California. If you request an auto loan quote, we will go that extra mile to match you with the ideal loan provider, taking into account such factors as:

  • Where You Live (Santa Cruz)
  • Your Fico Scores
  • Your Earnings
  • Your Down Payment

Car Financing Basics

Once you request pre-approval, we match you with the best California car loan company for your location, income, and down payment. If pre-qualified, you’ll be contacted by your new California car loan provider by phone or email. Then all you need to do is complete your auto finance documentation and select your vehicle from a nearby car lot.

Click the link to apply online.

Getting Approved

  • Average Santa Cruz Income: $2,895 Monthly
  • Average CA Credit Rating: 672

Generally, car loan providers will expect you to earn no less than $1500 income monthly. Also, your level of existing debt, inclusive of your new loan, should not surpass one half of your income. In Santa Cruz, California, this rounds out to $1,448 (average).

Even in the event your income doesn’t satisfy the aforementioned requirements, you may be able to qualify with a co-buyer, more money down, or via buy here pay here financing in Santa Cruz, CA.

No Down Payment Auto Finance in Santa Cruz (CA)

Hoping to find an auto loan with no money down in Santa Cruz, CA? We help folks find no down payment car deals everyday, though a down payment is advisable if you have the cash. Divide how much your vehicle costs by five (20%). If you can come up with this much, you would have an outstanding down payment, but you could probably find cars for $500 down. We even know zero down car dealers in Santa Cruz, California.

Financing a Car with Bad Credit in Santa Cruz, California: Tips

Auto Loans in California
Quick Acceptance!

Listed here are things you can do to boost your chances of qualifying.

  • Offer More Money Down.
  • Get a Co-buyer.
  • If All Else Fails, Get an Auto Loan Through a BHPH Car Lot.

No Credit Check Auto Loans in Santa Cruz (CA)

Many CA buy here pay here dealers will let you finance a car or truck without any credit check, but what they don’t tell you is this: this decreases your chances of improving your credit ratings.

At a buy here pay here car lot, referred to as no credit check or your job is your credit dealerships, your car loan does not come from a third party lender. Basically, these establishments grant in house auto loans to California residents who’ve got low credit scores. For some folks, getting their auto loan without a credit check sounds like a great idea.

Regrettably, there are a few major cons:

  • Expensive Interest Rates
  • Deceptive Financing Practices
  • Hefty Down Payment Requirements
  • Vehicles With High Mileage
Auto Loans in CA
Fast Approvals!

But don’t fret, you may be able to get approved for an auto loan with better terms than you could expect through a tote the note car dealer.

Dealer Loans: Santa Cruz (CA)

  • Beach Auto Sales, 512 Pacific Ave, 95060
  • Car Store Santa Cruz, 1615 17th Avenue Suite C, 95062
  • Auto One, 1800 Soquel Avenue Suite C, 95062
  • Casual Cruz Limousine Service, 1014 Water Street, 95062
  • Argus Company, 905 Water Street, 95062
  • Autoworld Sales Leasing & Daily Rentals, 725 Soquel Avenue, 95062
  • Bmw-Nate Smith Optimal Auto Care, 2335 Soquel Drive Suite E, 95065
  • Santa Cruz Nissan, 1616 Soquel Ave, 923
  • Enterprise Car Sales, 919 Ocean St, #A, 95005
  • Auto One, 1236 Soquel Ave, 95005