Bad Credit Car Loans at Westland Auto in Fresno, CA

Getting turned down time and time again for the car you need because of past mistakes is frustrating. It makes you feel like there’s no hope and you should throw in the towel.

We’ve been through it. We know.

It’s the exact reason why our Drive and Thrive Program, provided through our Bad Credit Car Loans was built!

Whether you’re dealing with bad credit or no credit at all, Westland Auto is here to help. We’ve proudly served the Fresno community for 20 years, helping over 5,000 families get reliable transportation and a real chance at improving their financial future.

With our Bad Credit Car Loans, we’re not just helping you get a car, we’re helping you gain the opportunity to understand the root issue and have a plan of attack to solve it for good.

Credit and finances are not something that is taught in school, and it’s the reason why you’re struggling so much to get approved for the vehicle you and your family needs.

Our Bad Credit Auto Loans are modeled to provide you with a reliable vehicle that will keep you focused on learning and improving your credit and financial situation. 

What Are Bad Credit Car Loans?

Bad credit car loans are designed specifically for individuals who may have been denied by traditional lenders. Unlike banks that focus solely on credit scores, Westland Auto looks at your current situation and your willingness to move forward.

We provide auto loans directly through our dealership, so there are no banks or finance institutions involved. This means that all of the employees, from the lot attendants to the managers, are all pooling their money together to provide you with the auto loan you need to get a reliable vehicle. 

We specialize in helping people with bad credit or no credit who have had all of the “traditional” channels turn their backs on them. 

Having a reliable vehicle in the Fresno, CA, and surrounding areas is no longer a luxury; it’s a necessity. Without it, you are left with no means to get ahead in life. This is where bad credit car loans can help.

However, no two bad credit dealerships are the same.

Westland Auto Sales’ Unique Approach to Bad Credit Cars in Fresno

Our car loans for bad credit begin with our Members’ success in mind. We believe that as long as we focus on your success, all else will follow. 

In the bad credit car industry, the repossession rate averages at nearly 60%. We have worked hard over the years to get our figures to as low as 21.7%. This means that you can expect to have a nearly 80% chance of successfully making it through your car loan for bad credit and moving on to the next stage of your life!

Everything about our bad credit car loans, from the type of vehicle we purchase, the type of approval we provide, to the approach our Account Success Managers take, is carefully planned out to give you the highest chance of learning to build your credit, pay off your vehicle, and learning to manage your money.

We want you to use our bad credit auto loan a single time and come back to us for your second, third, and fourth vehicle because you CHOSE to, not because you have to. The results you get with us will fuel you to help us find others who we can improve their family’s lives how we plan on helping yours.

Benefits of Our Car Loans for Bad Credit – Drive and Thrive Program for You

Our Drive and Thrive Program is built with the following structure:

• Dedication to Your Long-Term Success – It starts with you as our focus. Every part of our bad credit car loan is carefully designed to give you the highest chance of success. From the best type of inventory to an accountability approach that’ll help you build the habits you need to stay on top of your credit and money.
• High-Quality, Reliable Vehicles – Our inventory is handpicked for safety, reliability, and practicality. Every vehicle goes through rigorous inspection and reconditioning so you can stay on the road and focused on learning to build your credit.
• 97% Approval Rate – If you’re employed and a resident of the Fresno area, chances are we can get you approved. We specialize in creating flexible plans that work for real people with any credit score.
• FREE 2-Year Warranty – We want you to be confident about putting your trust in our bad credit auto loans. That’s why we provide our industry-leading FREE 2-year warranty with routine maintenance included!
• FREE Credit Reporting – Other bad credit car dealerships do nothing to help you build credit. With us, you’ll have your payments reported to credit so you can establish payment history and see a boost if you pay on time!
• Custom Payment Plans – Our bad credit car loans don’t take a one-size-fits-all approach that banks, third-party lenders, and other Buy Here Pay Here dealerships do. We tailor your payments to fit your unique situation. This will help you make it easy to build good financial habits.
• Your Own Accounts Success Manager – You’ll be assigned a dedicated Account Success Manager to help guide you through every phase of your journey.

Car Loans For Bad Credit Made to Help You Thrive

After moving to the United States in pursuit of the American Dream only to realize that the system was built to keep those less fortunate down, our Founders took it upon themselves to help. They were rejected many times by dealerships for having no credit.

No one should have to deal with that unnecessarily. 

They opened Westland Auto in 2007, struggled through the Great Recession soon after, and sacrificed everything so they could keep their dream alive.

For 20 years now they have had the blessing to continue serving thousands of good families in the Fresno area. We’ve continued to improve our bad credit auto loans each year and will continue to do so.

To make sure we give our Members the proper care, support, and attention, we limit the number of new Members to 8 per week. This means we have to carefully assess the thousands of applications we receive.

Bad Credit Auto Loan Benefits Our 8 New Members Receive:

• Flexible Down Payments – Unlike other bad credit dealerships, we do not base our approval on your down payment. The needed down is based on what will provide the best structure for your approval and ongoing payments. This means a comfortable payment that will give you room to save money every month in the future.
  • Our down payments start as low as $500 upfront.
  • If you need more to get you a comfortable ongoing payment, we have deferred down payment options.
  • We also provide a deposit layaway so you can reserve your position within our Program.
• Onsite Service and Repair Facility – We carry 152+ cars in inventory on average. Any of them that you choose is carefully serviced by our onsite service and repair facility that is accessible to you after you get your vehicle with us.
  • We prioritize Member work over outside work to make it easy to keep your vehicle maintained.
  • They also provide special financing on services done with us under certain conditions. Because of this, we follow a first-come-first-serve approach to be as fair as we can to each Member.
• Habit-Building Accountability – Your parents likely helped you to remember to brush your teeth every night, even when you didn’t want to. And chances are, you continue brushing your teeth to this day without ever once thinking about them. It’s why you have a good set of chompers. That’s what our Account Success Manager will aim to help you do as well. Just like your parents, we aim to keep you externally accountable over your good financial habits until you hold yourself internally accountable. This way, you will never need us again.

What do I need to qualify for Bad Credit Auto Loans with Westland Auto Sales?

Here are the basic program requirements you’ll need:

• Proof of Income – These can include:
  • Past 3 Pay Stubs
  • Tax Return or W2
  • Award Letter (SSI, Workers’ Comp, Severance, Divorce Decree, Pension)
  • Past 12 Bank Statements
• Proof of Residence – Under Your Name & Dated Within The Last 30 Days – These can include:
  • Utility Bill 
  • Cell Phone Bill
  • Internet/Cable Bill
  • 2 Pieces of Mail that include your name, recent date, and address.
• Driver’s License or Valid Photo ID
• Down Payment – We recommend you save as much as possible. Having a higher down payment provides you with better terms that make things much more manageable for you.
• (If You Have a Bank Account) – 3 Months Bank Statements
• References – 7 or more
  • Family
  • Friends
  • Anyone who is closest to you
• Apply Online & Make an Appointment – To make it as convenient as possible for you and make sure we are the right fit for you, we begin our process online. Fill out our online application and let us do all the heavy lifting before ever needing to come in! We’ll get everything ready and reach out to you to set up an appointment.
• Visit Us in Person – We work on an appointment basis only to devote our entire attention to those who are truly ready. The typical in-person process with all of the documentation submitted ahead of time is less than an hour and a half!

Will Bad Credit Car Loans in Fresno with Westland Auto build my credit?

It most definitely can! By having your payments reported to credit bureaus, you can establish payment history and begin the process of building up your credit score. We will also provide you with advice on other areas that can help you in your specific situation. Remember, though, we can only guide you and give you the tools, it’s up to you to use them.

What will make me a great fit for the Bad Credit Auto Loans – Drive and Thrive Program at Westland Auto Sales?

We look for the following in each of the 8 Members admitted through our car loans for bad credit:

• Readiness & Dedication Toward Your Long-Term Success
  • We’d love to help everyone, but some are not ready to help themselves. Above all, we look for those who are truly ready.
• Employment & Residence Stability
  • When you hit a speed bump, stability will let you prepare more and get through them successfully.
• Ability to Pay Comfortably
  • We’ll look at your income and expenses together to determine what figures would allow you to have a comfortable ongoing payment that’ll also leave you a cushion to save.
• Assuming Responsibility
  • “If it’s not our fault, there’s nothing you can do. If it is, you can find ways to improve it.”
  • Many things are out of our control, but when you take responsibility for your past, you will be able to see the path you need to take to start making a positive change.
• 3+ Year Resident of the Fresno, CA Area
  • We only serve long-time residents of the surrounding Fresno area.
• Your Future, NOT a Vehicle
  • We look for those who are able to see that a vehicle is only a tool to help them solve a symptom of a real problem. As long as the vehicle fits their needs, our program through our bad credit car loans is what truly matters for their long-term success.
• We’re Partners In This Together – We Need to Help Each Other
  • Our Bad Credit Car Loans have improved tremendously since 2007, but still have a lot of room to grow. We are your partner in helping you succeed, and need your help too. If you can help us improve, you will also help anyone else who comes to us in the future.

What type of bad credit cars can I expect to get with the Drive and Thrive Program at Westland Auto Sales?

You will find family-oriented bad credit cars that have been carefully chosen for their safety, reliability, and practicality. They are an average of 5-7 years old with 90,000 miles. These include sedans, SUVs, minivans, and 3rd row SUVs.

You will not find flashy, sporty, or luxury cars here. This is because these vehicles are notorious for being unreliable, unsafe, and expensive. 

Our goal is to provide you with a used vehicle that is affordable, dependable, and will keep you focused on your credit and finances.

Is there a limit to how many people You can allow to join through the Bad Credit Car Loans – Drive and Thrive Program?

At the moment, Westland Auto is only capable of accepting 8 new Fresno, CA area Members per week through our Bad Credit Car Loans – Drive and Thrive Program.

This allows us to devote the necessary time, attention, and resources to our Members’ success. We are not willing to sacrifice our quality by admitting more than what we can currently handle.

We’re not a finance company or any run-of-the-mill used car dealership. This is a community set on helping our Members get reliable transportation and using it as the means to help them build their credit. We aim to build long-lasting relationships that are beneficial for everyone.

We’re proud that our Members can feel confident to refer others like them and keep the help growing.

Bad Credit Auto Loans – Frequently Asked Questions (FAQ)

1. Can you approve someone with SSI or Fixed Income?
A. Yes, however, because this income tends to be limited and our goal is to get you a comfortable payment, it will likely mean a higher down payment will be required.

2. Can you approve someone with self-employment?
A. Yes. As long as you are able to provide proof of income that verifies your earnings. However, we do not provide Commercial auto loans, which include rideshare or delivery services (uber, door-dash, etc.) or anyone intending to use the vehicle for business use.

3. Do you work with anyone outside of the Fresno, CA area?
A. No. At this moment, we only serve residents local to the Fresno, CA area (Fresno +20 miles).

Approval FAQs

4. How much down payment will I need?
A. The average Member gets approved with an upfront down payment of $972. Your down payment will vary based on many factors, including but not limited to your income, expenses, vehicle in question, etc. We recommend you put the most down payment to help discount your payment amount and provide you long-term savings.

5. What will I need to get approved?
A. You will need the following basic things:

• (1.) Fill out our application.
• (2.) Submit proof of income, proof of address, a photo license or ID, and bank statements.
• (3.) Schedule & show up for your free consultation.
• (4.) Review things to customize your approval based on your individual needs.
• (5.) Provide proof of full-coverage insurance.
• (6.) Review and finalize your approval.

6. How quickly will I know if I’m approved?
A. Within the same day. Typically, we are able to approve someone within 10 minutes as long as all of their proofs are provided.

7. Will I be able to drive off the same day?
A. Yes! If you submit all requirements before your consultation, we can have your approval finalized and you driving in under 1 hour and 45 minutes! Our average turnaround time is 1hr 31m. The more prepared you come, the faster and smoother things will go.

Inventory FAQs

8. What kind of inventory do you carry?
A. Our focus is on providing safe, practical, and reliable family vehicles (i.e. sedans, suvs, minivans, 3rd row suvs) with 110,000 miles or less and 5-12 years old. We do not sell trucks, luxury, sports, or other niche vehicles.

9. Do you have any warranties on the vehicles?
A. Yes! You’re provided with 2 warranties.

• (1) 1-month or 1000-mile comprehensive warranty to make sure we catch anything we may have missed and make it right (we’re only human after all!).
• (2) 2-year or 24,000-mile warranty on the major components and basic routine maintenance to make sure you can focus on staying on the road!

Additional FAQs

10. Sounds great! Is there anything else I should know?
A. Absolutely. We believe in complete transparency to avoid confusion. Our services are focused on providing a long-term solution to good people struggling with reliable transportation due to credit and money management. We take an increased accountability approach to help you learn good financial habits and see results, but ultimately, it is up to you to make sure you are applying the information and tools we make available to you. Therefore, we do not guarantee nor imply that your credit will improve as a result of our program.

Our vehicles are priced higher than typical pricing guides like KBB because our pricing focuses on the services we provide to keep the car as reliable as possible, and the tools for you to learn about credit and money management, so you can make a difference through our program. Interest rates range from 0%-34%, with the average being 28.99%. Payments are tailored to your income and pay schedule frequency to ensure affordability and help you build good habits. Most applicants do not qualify for low down payments.

Main Areas We Service

• Fresno
• Clovis
• Madera
• Sanger
• Kerman
• Reedley
• Kingsburg
• Selma

Our Bad Credit Car Loans – Drive & Thrive Program only provides service to residents of the Fresno, CA +20 mile area.

Hours & Locations

Westland Auto Sales – Bad Credit Dealerships
3910 E Belmont Ave Fresno CA 93702

Phone: (559) 444-0123
Email: westlandautosales@gmail.com

Hours of Operation:
Monday – Saturday 10 AM – 7 PM
Sundays 10 AM – 5 PM