Bad Credit Car Loans in Fresno CA

Dreading the thought of another of Fresno’s extreme seasons without a reliable vehicle just because of a bad credit score?

Do you feel like there’s no hope of getting approved for a vehicle and you should just give up?

We feel your pain, we’ve been through that very spot.

That’s the exact reason why we created and carefully customized our bad credit car loans in Fresno, CA. Through our in-house financing, we give you with a direct path to getting a reliable car. This gives our fellow Fresno residents an opportunity to succeed beyond just the vehicle!

Learn more about how bad credit car loans work.

With our main location serving the city of Fresno, CA for nearly 20 years, we know a thing or two about what our community Members truly need.

We’ve helped over 5,047 families get a reliable used car with our bad credit auto loans in Fresno. And it doesn’t stop there. Our Drive and Thrive program also gives them the tools needed to learn about building credit to improve their future. That’s the biggest difference you’ll find with us.

The Westland Difference for Bad Credit Car Loans in Fresno

We don’t stop at helping you get financing on a reliable vehicle regardless of your credit score. That’s the easy part, and we don’t do easy. We want to help you solve the root of the problem so that you can make a real positive change in your and your family’s future.

Our goal is to help you understand how credit and finances work so that you never need bad credit auto loans again.

We aim to help you get a reliable vehicle that will keep you focused on learning and improving your credit and financial situation so that you can carry that forward for generations to come.

We want our bad credit car loans in Fresno, CA to help our community thrive.

We Understand the Type of Auto Loan for Bad Credit Fresno Needs

Our Founders built this entire dream after immigrating to the United States in pursuit of the American Dream, only to realize that the system was set up to keep those less fortunate down. They struggled for months in the brutal Fresno heat, dealing with countless rejections from everyone turning their backs on them for having no credit.

No one should have to deal with that struggle unnecessarily.

They opened their doors back in 2007, endured the hardships that all of us did through the Great Recession, and sacrificed so that they could keep their dream alive.

Nearly 20 years later they have been blessed with the opportunity to continue serving thousands of good families in Fresno who are ready for their help with reliable transportation and the tools necessary to obtain financial stability, regardless of past credit issues.

We know how hard life can be without a vehicle here in Fresno, and we know the path you need to follow to ensure that you never have to struggle unnecessarily again.

It all starts with our bad credit car loans in Fresno.

Bad Credit Auto Loans Tailored for Fresno Residents

The car is just the starting point. We customize our entire bad credit car financing in Fresno, CA to help our community learn how to overcome these challenges for good.

Each year, we have continued to improve our program to best help you, and with each coming year we will continue to do so.

As of this moment, we can only allow 8 New Members into our Program each week. Because of that, we have to carefully assess the thousands of applications we receive to ensure we provide those who are most ready for our help with the dedication and support they need to succeed.

3+ Cars – Ashley Guidry in Fresno, CA

Ashley is a single mother who had struggled to get reliable transportation for her and her son due to credit challenges. She was referred to us by a good friend of hers who had succeeded with our Fresno bad credit auto financing.

Our advice resonated with her and she buckled down, ready to change things around. We are very proud to see how big of a difference she has made in her life. She’s been able to get her schooling completed for the nursing field, save up enough to move out of her father’s place and secure her own home, get her son back and forth to all of his school events, build a healthy savings account, and achieve a credit score where she no longer needs the program!

Ashley is an example of someone who chooses to come back to the program because she sees she operates better under our guidance. Our bad credit car loans in Fresno will always be available to her but we think it’s very safe to say, though, she doesn’t need us anymore.

2+ Vehicles – Stacey Rosser in Fresno, CA

When Stacey first came to us, her husband and she had been dealing with a vehicle that could barely fit them and their children, on top of constantly breaking down on her. One of our team members referred her to us because she needed something reliable to be able to get her husband to his medical appointments. She had been denied at countless bad credit car dealerships in Fresno due to collections on her credit from medical bills.

She was welcomed with open arms and we explained how our financing program worked so she understood that our goal was to help her beyond just reliable transportation.

Stacey buckled down and made a massive improvement in her credit and finances. So much so that she was able to secure a very good auto loan through a reputable lender with great rates. She no longer needs our bad credit car loans in Fresno!

We’re extremely happy to see her and her family thriving and even years later still receive referrals from her on a frequent basis.

2+ Cars – Hydeah Packard in Fresno, CA

This is a shining example of someone who recognized that her past would not determine her future. Hydeah had dealt with a previous repossession that was brought on by circumstances out of her control, but she recognized that they were not situations that she would ever allow to happen again. She knew full well that it was her responsibility and just needed a bad credit car dealer in Fresno to give her a chance.

We’re very glad we did because Hydeah has earned her place as one of the most wonderful Members we’ve ever had. She was able to secure her schooling in the nursing field which allowed her to get a better position. Instead of blowing the extra income, she used it to help get her finances in order and with the big heart this girl has, took on the responsibility of raising a nephew who was in a troubled situation.

Hydeah is a Member that everyone at our organization adores and cherishes. We are happy to see her life continuing to head in a positive direction and will always be there by her side.

These are just 3 of the thousands of Members who have used our help to successfully navigate our bad credit car loans in Fresno and make a change in their lives.

We want to be able to help YOU make an even bigger change!

The Fresno Community means a lot to us and we want to see it grow in a positive direction.

We’re always looking to involve ourselves with other local Fresno businesses to further support the people of Fresno, CA. We also host Member appreciation events to give back to the people who allow us to continue pursuing our dreams.

Our plan is to allow our community to learn about credit and finances. This begins by providing content and webinars to Fresno, CA residents that go beyond an approval through our bad credit car loans in Fresno. We hope to help good people in a tough spot who are ready to help themselves toward a future they can feel proud of.

We want to provide a positive impact in Fresno, CA through fair and supportive auto financing.

Hours & Location

3910 E Belmont Ave Fresno CA 93702

Phone: (559) 444-0123

Email: westlandautosales@gmail.com

Hours of Operation: Monday – Saturday 9 AM – 6 PM & Sundays 10 AM – 5 PM

Tired of getting constantly rejected due to your credit and ready to make a positive change? It’s time to make an appointment with us!

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 an approval with our car loans for bad credit 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 bad credit car loans provide 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 focus 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.

We price 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.