Finance Your Car



Choosing the right financing option is just as important as choosing the right car. Let the Finance Team at So Cal Motors helps you navigate the lending process to find the best rate and structure the right deal for you. 


We are a reputable dealership with access to lenders that fit any credit situation. Apply with us and choose your options. Whether you want to pay all cash or put $0 down, we can accommodate you. Good credit, No credit, Bankruptcy are OK! We even have incentives for customers with great credit. Fill out our online credit application today our strong network of banks and credit unions offer rates as low as 2.49% on approve credit.

Come talk to us today to see how you can get the car that you love! If you have any financing questions, you can call, email or stop by our dealership in Montclair, CA. Otherwise, go ahead and fill out our pre-approval application to get started.

FIRST TIME BUYERS - Buying a Car with No Credit
If you have no credit your options for financing a car might be limited. But that doesn’t mean it’s impossible to get a car loan without credit.
So Cal Motors in Montclair CA  works with many banks and lenders who are willing to work with people with limited credit. Our finance expert will negotiate the best auto loan with competitive rates and terms that leave you feeling satisfied.

REBUILDING YOUR CREDIT- Buying a Car with Challenge Credit

Don't let Multiple credit report inquiries. Bankruptcy filings, Foreclosures, High debt-to-income ratios or a Repossession keep you from driving off in your dream car. . Here at So Cal Motors in Montclair CA serving San Bernardino, Los Angeles, and Fontana CA we understand how a credit score can change over the years and instead of holding financial mishaps against you like other loan lenders, Our finance experts are willing to go the extra mile for our customers' needs.        


Save up for a down payment

The more money you put down at the time of purchase, the less your monthly payments will be. Aim to put down at least 20% of the car’s sale price, but any amount helps.

Research rates

The average first time car buyer tends to pay a higher APR due to lack of credit history. Your down payment, age of the car, and the term length may also affect the rate.

Consider a cosigner

You can ask a family member or close friend with a good credit history to cosign for financing, which could get you better rates and terms. A cosigner shares responsibility for the financed amount and payments, so keep in mind that missed payments will reflect on your credit score as well as theirs.

End your search for professional auto loan assistance near Corona or San Bernardino, CA, head to So Cal Motors or apply now! Our finance team works with car shoppers of all backgrounds, including customers with no credit, customers with healthy credit scores, first-time car buyers looking to establish credit.