Car Loans Huntington Beach California

car loans huntington beachHuntington Beach Area:

We offer bad credit car loans Huntington Beach, CA that are tailored to suit the needs of consumers who need to purchase a vehicle but found themselves in a financial bind. A car loan is a short-term cash advance intended to help a borrower to purchase a vehicle. In return, the lender expects to receive monthly installments until the principal and interest are fully paid back. Like any legally binding contract, certain limitations exist.

Getting Car Loans Huntington Beach

Checklist Before Applyingcar loans huntington beach

  • Know your credit score range (lenders can check for you)
  • Make a monthly budget to see how much you have left over each month after expenses
  • Determine how much of a monthly payment you can afford
  • Calculate how big of a down payment you can offer
  • Check current interest rates
  • Determine what kind of vehicle you need (ie. for getting to work, for family, for your business)
  • Consider getting a co-signer
  • Research lenders and consumer reports


Items You Need

  • Valid Driver’s License (must be 18 years or older)
  • Proof of Income
  • Proof of Residency
  • Personal References

Do I need to have a job?

Having a job when you apply for bad credit car loans Huntington Beach is an added advantage. However, if you have no job you must have a means of income. This is to show that you have the capacity to pay back your loan on a monthly basis. This can either be through retirement benefits, social security, pensions, annuities, or other sources of income. We also accept self-employed people and understand that income may fluctuate.

How Long is the Loan Term?

It depends heavily on your budget and the amount you are borrowing. The length of a car loan varies dependant on what you work out with the lender based on your current financial situation. There are two types of auto loans: short-term and mid-term. If you put more of a down payment on the vehicle typically your term will be shorter. Also, the higher the amount you are able to repay each month, the shorter the loan term. Read more about what you need to know at

How Much Will the Loan Cost?

An auto loan calculator can help you find out how much of your monthly payment will go to the principal and how much will go to the interest. The principle is the amount of money that you originally borrowed. Our auto loans calculator is a necessary tool if you wish to get the most suitable car loan based on your budget and includes:

• Loan amount (comprises the cost of the vehicle, car registration, tax, etc).
• Loan term (the duration of the loan term).
• The auto loan rate (expressed as an APR)

Down Payment

car loans huntington beachDown payment will affect the overall amount you’ll be paying monthly towards the car. The down payment is the amount of cash or trade equity you’re willing to put upfront when financing a car or automobile.

When applying for an auto loan, the amount applied for should include the cost of the car plus other additional costs that come with buying and registering a car such as sales tax and vehicle registration fee. You can check an estimate of a vehicle’s value at It’s highly advised to have 30% of the car value for your out-of-pocket cost.


A lender issues a loan based on your trustworthiness to fully repay the loan on time. Collateral is required to get a loan – but not directly. The borrower still gets to drive the vehicle as they normally would for the duration of the term as it gets paid off.

If the borrower fails to make regular payments on time, their car becomes subject to becoming repossessed. A repossessed vehicle gets auctioned off to clear the debt that the lender took on. The borrower should not expect any profit from the auction as the vehicles tend to sell for less than other forms of selling such as by ad or at a car lot.

Car Loans of America understands the stress and difficulties you may be facing due to your financial situation. Our auto loans process is structured for people with bad credit and in debt. If you have difficulty keeping up with your loan payments, contact us immediately so we can explore options, including extensions.

Apply Today

At Car Loans Huntington Beach, our loan policies are flexible enough to accommodate your financial needs regardless of your credit or prior bankruptcy. We work with you to improve your creditworthiness through repayment of your loan.

Our network of 30,000 dealers expands nationwide. We strive to match you with a car dealer that will best serve your needs and budget. We provide same-day funding for potential car buyers of all credit types. Fill out an online application or call us at 866-601-2749.