Bad Credit Car Dealership in San Diego
Your Bad Credit Financing Experts
At Karz Plus, we offer competitive financing rates and terms on our great selection of new and used trucks, cars, and SUVs – even for customers with bad credit and no credit in San Diego, Chula Vista, National City, and Escondido.
Our finance team are experts when it comes to bad credit auto loans and are here to guide you through the financing process and help you get into your new vehicle. Contact Karz Plus’s finance team today or if you’re ready to start the financing process, you can fill out our secure finance application online or get pre-qualified online.
Business Hours
| Mon: | 10-7 |
|---|---|
| Tue: | 10-7 |
| Wed: | 10-7 |
| Thu: | 10-7 |
| Fri: | 10-7 |
| Sat: | 10-7 |
| Sun: | CLOSED |
How to Finance a Car with Bad Credit
Wondering about financing a car with no credit? It may be a bit more difficult, but it’s not impossible. Find out how to go about no credit car loans or financing a car with bad credit here in San Diego! Karz Plus has plenty of experience working with customers of all credit statuses, before they even come in to talk to our finance center.
Bad credit car finance means keeping your down payment in mind, and remembering that interest rates may be higher. Know your budget from the outset, and be sure to leave some wiggle room. Be sure to:
- Ask questions and don’t assume you won’t be approved. Your first financing option might feel like the only one available. It’s not. Do your homework, and examine other options might be a better fit.
- Revive your credit score. Work to build up your credit before applying for financing by using a credit card on small things that you immediately pay off. Doing so will raise your score in no time.
- Know your budget and your credit score (if you have one). Your credit score can take a hit when you apply for financing. So keep all your loan applications within a 14-day period to limit any potential damage.
- Separate price negotiation from financing. Remember, again: The first offer isn’t the only one. Many dealerships go through multiple lenders.
- Be prepared for a higher cost. You may receive higher interest rates, or have to pay a larger down payment (or both) if you have no credit.
- Leasing might be a better option. See what the dealership offers by way of lease. These payments might also be higher than average, but they’re probably cheaper than attempting to purchase.
Apply for a Loan at Karz Plus
At Karz Plus, our finance team makes obtaining the bad credit car loan as easy as possible for you. We have a variety of bad credit car finance options, leasing options, and more when you make the trip to our San Diego National City dealership or our North County Escondido location. Get pre-qualified, and contact us today with any questions.
