Financing


We do not offer any in-house financing

If you need to finance a vehicle, you would need to set that up in advance, with your bank or credit union, we can work with most financial institutes.

(Please see average or above credit)



Average and above Credit


If you have average or above credit rating, usually 700+ FICA, and established credit worthiness, please contact your financial institute. Most Credit Unions offer the lowest rates, and best terms auto loans. In many cases you can get a car with no money down. Auto loan rate vary depending on year, miles and your credit. Rates can range from 7 to 12 percent, and it usually takes 24 to 48 hours.


FASTEST AND EASIEST WAY TO GET FINANCED, WITH YOUR GOOD TO EXCELLENT CREDIT:

FINANCING OPTIONS:

Highly Recommended
Coast Hills Credit Union
*** COASTHILLS CU - SB County and SLO County 855-774-5626, Highly rated service and rates, with many office locations.
Apply on Line at:
https://coasthills.coop/loans-credit/carloans

*** Sun Trust Bank,
Suntrust is an online bank that provides Auto or Personal loans, based on your credit. Copy and paste the link below on your browser, easy financing, good rates. Auto loan or personal loan
www.lightstream.com/auto-loans

*** Golden One Credit Union,
With physical office location in Goleta, you can apply at office or on line. Apply on Line at:
https://www.golden1.com/credit-cards-loans/auto-loans
(877) 465-3361 Option 7, Ext# 3123.

Highly Recommended
US Military, Veterans and families: USAA Bank 1-800-531-USAA (8722)

State Farm Auto Finance - Financing available for older cars too, Please contact Ralph at 805-687-8480
Keypoint Credit Union (888) 255-3637
Ventura County: Ventura County Credit Union 805-477-4000 or Pacific Oaks Credit Union, 805-384-1100 or Wescom Credit Union 888-493-7266
San Luis Obispo County and N. Santa Barbara County: Coast Hill Credit Union: 805-733-7600
Los Angeles, Ventura County: Wescom Credit Union 888-493-7266 EXT 8226
US Military and Veterans: USAA Bank 1-800-531-USAA (8722)

Also there are many other credit unions that offer auto financing, ie. Teachers credit union, County Employee credit Unions and many others....If you live outside California Central Coast, and have good credit, please contact us and we can assist you.

WE DO NOT OFFER ANY IN-HOUSE FINANCING. WE ARE NOT BUY HERE - PAY HERE DEALERSHIP



Below Average Credit and Sub Prime Financing

If you have below average credit, we recommend finding a co-signer with good credit, however if that is not an option, you may have to get a sub prime loan. These are high interest loans, usually 18-25% interest, with good amount of down payment .