Car Loans of America is here to assist anyone experiencing financial hardship. We work with bad credit scores and provide same day funding for those seeking a bad credit auto loan in Bakersfield California! Need finance to buy that new or used car but have very bad credit? All you have to do is apply and we will give you the funds that you need regardless of your bad credit situation. We are the best car financing company with the most efficient approval system
Bad Credit Car Loans Bakersfield California
Living in Bakersfield has its perks and beauty. You are in a serene environment subject to growth and population increase. You cannot afford not to own a car. How else are you going to see the California Living Museum?
But, we have to make preparations otherwise and in the situation in which one is not mobile in California’s capital city. Then the question of why arises. Is it because funds are tight or are it because you are ranked as being a bad risk because of your credit records.
Not to worry, we at Car Loans of America understand the importance of owning your own car in Bakersfield. We want to give you the opportunity to obtain our bad credit car loans Bakersfield California
We’re Here To Help You Get a Bad Credit Auto Loan in Bakersfield California
You might add that you have a bad credit score or have none at all. Not to worry Car Loans of America will help you in spite of that.
Other credit institutions may be skeptical about working with individuals who have low credit scores. But car loans Bakersfield loans is willing and eager to work with you irrespective of your credit history.
We do this to ensure that everyone is carried along and people in such credit bracket situation still have the financial help they require to purchase their own cars and essentially make their daily activities less burdening.
In Bakersfield, the population growth amidst other factors makes the cost of living and transportation high.
Nevertheless, with a bad credit score or non-existent credit the chances of finding a credit company or lending institution that is willing to grant you an auto loan is slim to none.
Car Loans Of America Is Here To Work With You
However, we at of America understand and can relate to your plight, and we are still excited to work with you. Our services are timely and of top quality all over the country including Bakersfield.
Our bad credit car loans Bakersfield California come at affordable interest rates to encourage the client to refund it at his/her terms. We don’t just give out bad credit car loans, we work hand in hand with our prospective clients, analyzing their credit states and giving them the best options available.
Other Conventional Lenders
Car Loans of America are concerned with helping clients who want to purchase and own their cars be it brand new or already used. We also offer our bad credit car loans Bakersfield California to clients who need additional support in renewing or completing payments on their vehicles.
Car Loans of America understands that individuals in Bakersfield are sidelined by financial companies especially when these companies realize their dwindling or inexistent credit scores.
In the rare event where these companies are willing to grant such a person a bad credit auto loan in Bakersfield California. The interest rates are very high and not affordable, discouraging the client. If such a client still goes ahead to accept such a loan, he/she runs into more debt.
Why We Are Different
We stand out because we are willing to go the extra mile to make sure you own your car. We incur all the expenses in making sure that you are granted your bad credit car loan effectively.
Each of our clients is different, and we treat them as unique as possible. What separates us is that above all other finance houses, car loans Bakersfield is able and willing to work with you even if you have a bad credit score or none at all.
Our Interest Rates
We offer our bad credit car loans at the best interest rates and terms very favorable to the clients. And, we’re here to assist you in understanding buy here pay here dealers and high mileage auto loans.
All processes and procedures involving the bad credit car loans are straightforward, transparent, fast and straightforward. These are the qualities we possess that set us apart from the competition.
Car Loans of America Bad Credit Car Loans
As defined before, at car loans Bakersfield a bad credit car loan is a loan granted by us at car loans Bakersfield, to purchase a car or vehicle. This is specifically for clients which bad credit history.
It can also be used as an auto loan for the renewal of car payments. Our bad credit car loans go beyond the purchase of cars for clients. It is a means of leverage we grant to the clients as a resort to pursue their dreams in a more comfortable way.
Car Loans of America Got You, Don’t Worry!
Car loans Bakersfield also goes all the way to connect clients with automobile dealers in Bakersfield that are really ready to sell at friendly rates. We have lasting relationships with these dealers, so you have nothing to worry about.
This is just to ease the process and reduce the amount of time spent. Car loans Bakersfield was set up to alleviate some of the struggle faced by people in Bakersfield in living their lives or pursuing their dreams.
We Help People With Bad Credit
We understand that a bad credit situation can occur and we want to help despite that. A bad credit score should not hinder or prevent anyone from having a comfortable life. People who have bad credit scores tend to pick up multiple jobs at even odd hours to curb this problem.
But not having a car when working various jobs at different locations in the city is very draining if not frustrating. Luckily at car loans Bakersfield, we are aware of everything you might be going through, and we are genuinely interested in helping.
Bad Credit Score
This is basically a numerical representation of the bad financial choices made by an individual. Although the causes are not genuinely known it can be linked to the economic decline in the city, bankruptcy protection filed by the individual, debts, etc.
Sometimes clients don’t know their credit stance, and it comes as a shock. The financial records and information of each citizen are retrieved from all the financial institutions ranging from schools, hospitals, and credit houses.
These records are sent to the American Credit Bureaus (Equifax, TransUnion, and Experian) for computing.
These Bureaus use FICO to calculate the credit scores of each citizen. Credit scores range from 0-850. A bad credit score is anything less than 300. This is the score that credit companies look out for and once they see a score less than.
300, the loan is immediately denied. If a person has a bad credit score, he/she automatically though unknowingly gives the impression that he/she is a bad risk and as such cannot be accountable to make future payments or refund future loans.
Other Lenders Cares About Your Credit Score
These people go through life in Bakersfield feeling mostly depressed and insignificant as their situation can lead to poverty.
All your burdens and feelings of worthlessness are over. We will put a smile on your face when we offer you our bad credit car loans Bakersfield California even with your history.
A lot of credit companies and money lending institutions gravely consider the credit scores and implications of a client with a bad credit score before issuing out a bad credit auto loan in Bakersfield California.
Car Loans of America Understands Your Struggle
At Car Loans of America, we do not. Now Car Loans of America understands the struggle of every client in not having a car in the greatest city in California with all its beauty, splendor and vices.
Our customer friendly services ensure that clients can purchase their cars and still have a substantial amount of money to take back home. Our existence is to bring comfort to all our clients by granting them unlimited access to opportunities and basic necessities despite credit scores.
In case you are curious about how we can achieve all this and still be the leading credit company in California, I will explain further.
How We Deal With Bad Credit
This is easy because this is the market we target. A lot of time is put into the consideration of a large range of factors when we offer clients our bad credit car loans Bakersfield California.
As earlier said we do not take preference on credit scores, unlike most credit companies. We also do not use credit scores as a determining factor in issuing loans.
Other Lenders Use Your Credit Scores To Determine Your Car Loan
As some companies would even use your credit scores to even determine how much interest they should charge on reimbursement, Car Loans of America does not.
We believe that ones credit score should not be the benchmark for getting loans. We consider other factors in our loan system.
All clients should be able to provide their proof of income and employment status. We at car loans Bakersfield understands that all documents provided by the clients confidential. Legal and binding and there will be no infringements.
During this stage, the client is expected to clarify and answer some questions. Questions like how long they have been working at their current job, their position, what their taxes are like, their income statements. If the job is a contract job or a permanent one.
Car Loans of America
This is just to ensure us at car loans Bakersfield that the client is accountable to refund the auto loan in Bakersfield California when the time comes. This will also determine the amount of interest we would charge, but not to worry they are always customer friendly.
We listen fully to our clients and give them the best options based on our terms and conditions which are very flexible and favorable. Through our financial aid services, we have achieved an unshakable reputation in a short amount of time here in Bakersfield. If ever in doubt of our services, you are welcome to check our clientele and customer satisfaction ratings when it comes to bad credit car loans Bakersfield California.
Now there are a few things that customers need to do before applying for our bad credit car loans here in Bakersfield. Here are a few laid out steps.
Choose Your Car
First and foremost, every client will need to decide on what type of car he/she requires. This will help you to know the amount you will request for and help us in setting up your interest rates.
Now there are a lot of cars on the market today and as such making up one’s mind can be difficult. Not to worry, at car loans Bakersfield. We have registered car dealers and insurance companies that will take you in.
Making Sure You Get What You Need
Now you will need to ask questions like, what is the warranty of the car, it’s engine, its horsepower. Its durability and if it is a previously used car what is its mileage.
If it requires any part replacement or repairs. We do this to ensure that the client does all the I’s and crosses all the t’s to prevent uncertainty or regret later.
How To Fund It
After selecting the car you want, the next step is how you can finance it. Good news, at car loans Bakersfield you will not need to, at least not immediately. Car loans Bakersfield offers loans to clients with bad credit scores.
We offer full loans and auto loans. Full loans are offered for the purchase of a car either new or already used. While auto loans are granted to clients to resume payments on their cars.
There Is No Middleman Between The Process
Our bad credit car loans Bakersfield California go directly from our office to our clients via Cheque or bank transfers.
There is no middleman between the process as we have found that the services of the middleman delay the swift process and increase our payroll.
This is all in a bid to provide the bad credit car loans Bakersfield California to you as fast as possible. We know that you need it!
Our application process is very fast and can be done via our office or online. Either way, you will need to fill out the application forms. Has it submitted and approved and in a few hours you may just be driving your own car? Our application process takes 24 hours to complete.
Now you can go acquire your car. Our dealers will be waiting. Our company has stayed afloat throughout the years across states in America. We are trustworthy, efficient, transparent and reliable.
Terms and Conditions
This is just the necessary protocol and procedures every client needs to know to prevent infractions. They are:
This is just the client’s rate of interest that we have set up amidst his principal that is meant to be refunded in installments. It includes all charges incurred by us in granting you this bad credit car loans Bakersfield California. Legal charges are also included if any.
This is very important as it determines how much the client will refund. With your bad credit score, we are driven to lower this interest rate to the minimum to enable you to pay without feeling the burden.
The Loan Term
This is easily the time allocated to the client during which all payments must be made and completed. It could either be short term or long term.
Every client is thoroughly educated on both terms and allowed to choose a term that he or she would benefit most from.
To conclude this article, Car Loans of America is a certified and trusted loan company for the provision of bad credit car loans Bakersfield California.
We are committed, efficient, transparent timely in rendering our services. Apply for a Car Loans of America bad credit car loans Bakersfield California today, start your future today.
Get A Bad Credit Auto Loan in Bakersfield California With Us Today!
Contact us today as we look forward to helping you get Car Loans of America’s bad credit auto loan in Bakersfield California at the best interest rate and repayment terms that you can ever find around.