Easy Buy Here Pay Here Car Loan Approval Process in Fresno – Westland Auto

A woman smiling as she stands in front of a dealership confident about her Easy buy here pay here car loan approval process in Fresno

Feeling overwhelmed by constant denials and complicated car loan applications?
Let’s put a stop to that right now.
Our easy buy here pay here car loan approval process in Fresno can get you driving today.

Your Simple Path to a Reliable Car Around Fresno

Having served the Fresno, CA area for 20 years, we have seen just how difficult it can be to get approved for a reliable car with bad or no credit. Our Drive & Thrive Program provided through our buy here pay here car loans makes it easy and fast for you to get approved.

We are here to figure out your needs and customize your car loan to provide support from the beginning through the moment you receive your title.

Let’s take a look at what you can expect.

Easy Buy Here Pay Here Car Loan Approval Process in Fresno – Table of Contents –

The Difference With Our Buy Here Pay Here Approval Process
The Car Loan Approval Road That Awaits You
- Getting in Contact
Getting Started With Your Easy Buy Here Pay Here Car Loan

Why Our Buy Here Pay Here Approval Process is Different (and Better for You!)

A dealership consultant explaining the steps of an easy buy here pay here approval in Fresno to a customer

Easy & Convenient: Our online approval allows you to get your entire car loan process started from the comfort of your home. We’ll review all of your information and let you know what you’ll need to drive home!
Fast & Responsive: We value your time. Expect us to contact you the same day of your initial inquiry and provide clear guidance through each step.
We See You, Not Just a Score: Your credit history is just one part of the story. With our 97% approval rate, we focus on your current situation and your commitment to moving forward.
Credit Guidance: We want to help you improve your situation beyond just buying a car. To do this, we’ll review your application and credit report with you, explaining everything clearly and provide suggestions on where you can see improvements.
Solutions Tailored to You: Our goal is to help you improve your financial future. We customize your approval to set you up with a payment plan that truly fits your budget and helps you succeed long-term.
Transparency & Thoroughness: We’re here to create a long-term partnership with you. We do this by thoroughly reviewing everything with you so you fully understand what is needed of you and what you can expect from us.

Learn about what buy here pay here in Fresno is here.

Step-by-Step: Your Road Through Our Easy Buy Here Pay Here Car Loan Approval Process in Fresno

A woman walking down a clearly defined road representing the steps to her easy buy here pay here car loan approval in Fresno

There are 5 easy steps through our approval process that are waiting for you.

Step 1: Reaching Out to Us

First thing you’d need to do is get in touch with us to let us know you need our help. You can call, text, or fill out our contact form. However, since our online application is commitment-free and does not affect your credit, we suggest you start there.

Fill Out Our Online Application Now

PLEASE NOTE: Our application asks questions you have likely never seen in a car loan application. This is because we are not your traditional car dealership. These questions will help us customize your approval and the accountability approach you’ll need to help you succeed. If you have questions about it, please reach out so we can walk you through it.

Once we receive it, we’ll review it and contact you on the same day to cover things alongside you and assess your needs. Any follow-up information we need will be addressed at this time.

We will also ask you to submit all of your proofs so our underwriters can verify your information and determine what type of approval you’ll need to give you the highest chance of succeeding through our program.

Documentation You Will Need

Photo ID: Driver’s License, State ID, Matricula, Passport, etc.
Proof of Income: 3 most recent paystubs, tax returns, or award letters (we’ll let you know what is best for your situation).
Proof of Residence: Most recent utility bill, cell phone bill, cable bill, or 2 pieces of mail with your name, address, and dated within the past 30 days.
References: 7 friends, family, or people close to you.
Bank Statements (if needed): The most recent 3 bank statements if you have a bank account.

Step 2: Schedule & Prepare

Once we’ve gathered everything needed, we’ll give you the good news and invite you in for your appointment!

With all of your documentation sent ahead of time, you can expect an average appointment time of under 67 minutes. This means you could expect to drive home in your new car in an hour from the moment you arrive!

We work on an appointment basis only during the hours of 10:00 AM – 6:00 PM Monday-Saturday (closing at 7:00 PM) and Sundays from 10:00 AM – 4:00 PM (closing at 5:00 PM). This makes sure we can devote our full attention and make things as easy and fast once you arrive.

What to Prepare

If you have not sent over any of your required documentation yet, make sure to gather it before your appointment. You will also need the following:

Down Payment: Bring the max down payment you can comfortably afford. This will help you discount your regular installment payments and save you a lot of money over the course of your car loan.
Insurance: You will need full-cover insurance with comprehensive & collision coverage of $500 or less. We suggest you contact a few places to get different quotes ahead of time. We will contact some of our partners to get you quotes to compare as well.
- Note: You will need this type of insurance before you can leave the lot and throughout your term. There are no exceptions.

Step 3: Learning About You

When you arrive for your appointment, we’ll sit down together to discuss your situation and fully understand you.

Understanding & Clarification

This is where we listen. We want to understand your needs and goals to make sure we’re the right fit for you. It will also help us make sure we can deliver on what you expect from us.

We also use this information to help determine the best vehicle options for your driving needs.

Credit Counsel

Credit and credit scores are extremely confusing. Our entire nation revolves around them, and yet it isn’t even taught in schools.

We’ll provide you a copy of your credit report (pulled through a soft inquiry so it does not hurt it) and give pointers on what can help you improve it. And yes, this is a courtesy whether you join our program or not. We want your future to improve and hope you do too.

A woman standing between two cars she can get approved for through her fresno buy here pay here auto loan

Step 4: Finding Your Best Options

At this point, we’ll present you with all the best vehicle options based on two things:

The type of vehicle you need.
Your financial situation.

Our goal is to provide you with a quality vehicle that will help you succeed now and in the future.

Inspection & Test Drive

Make sure to test drive the vehicles and get a good feel for them. If you are not comfortable in them, let us know why so we can help you narrow down better options.

Select Your Car

When you’ve found the winner, give us the thumbs up. We’ll get started on our end of things while you fill out references.

Step 5: Confirming Your Approval

The last parts of the process are easiest for you. The heavy lifting is on us.

Pick Your Plan

We’ll review the different payment plans customized specifically for you. All of the options are carefully calculated to give you the highest chance of success.

You’ll find optional products in some of the plans that we’ve determined are best for you for your situation. If there are any you’d like to include, ask us and we can try to restructure things for you.

Pick the one that fits you best.

Note: All of our plans include our Drive & Thrive Program for free. This means you’ll get our courses on Credit and Money Management as well as our proven step-by-step guides.

Optional Products for our Easy Buy Here Pay Here Car Loan in Fresno

– Guaranteed Asset Protection (GAP).	Protects your money and credit in the event you’re in a total loss accident. If you are left owing money after your insurance pays their portion, the GAP covers the rest.
– Emergency Down Payment Protection (EDPP).	Protects you from having no vehicle after a total loss accident. After the GAP covers your balance, you may be left with no money to get another car. The EDPP gives you a $2,000 credit toward your down payment on your next vehicle with us.
– Premium+ Routine Maintenance Package (RMP).	Covers your routine maintenance for a 3-year period to help prevent unexpected repairs. This includes regular inspections, oil changes, filter changes, tires, shocks, struts, spark plugs, etc.
– Extended Service Contract (ESC).	If our 2-year warranty isn’t enough, you can buy additional coverage. This will protect you beyond what our industry-leading warranty covers.
– Premium ESC.	If you want a full bumper-to-bumper extended service contract, they are available.

Review, Understand, Finalize

Once we’ve finished your paperwork, we will review it with you. This is a step that will not be rushed. We want to make sure you fully understand everything expected of you and all you can expect from us.

If you have questions while we review things, we encourage you to ask.

Your Dedicated Account Success Manager

You will be introduced to your dedicated account success manager at this point. This’ll allow you to meet your best friend throughout this process, who’ll guide and root for you the entire time.

Celebrate Your New Beginning!

It’s time to ring the celebration bell!

We’ll take some pictures together, get you your welcome packet with all the information you need, and prepare your car.

The welcome packet will include:

Contact Information: for our different departments.
- Service Department – for routine maintenance and repairs.
- Account Success Department – for payments, insurance, and additional guidance.
- Sales Department – for referring friends and loved ones and getting your next vehicle when you’re ready!
Best Practices. A short pamphlet we’ve made that covers the information you’ll need to increase your chances of succeeding through our program. It’s 20 years of proven practices, take advantage of it!
Swag. Depending on the season, you may receive different types of swag!
Program Info. Additional information about our program to help you be a part of our community.
Paperwork. The copies of your paperwork will be included and you will receive an electronic link with the rest.

The Drive After

You’re all set to drive home now! But that doesn’t mean we forget about you. We’re partners now, remember?

Over the next few days, you can expect the following:

Drive & Thrive Signup: We’ll contact you to get you signed up for your Drive & Thrive courses and guides. We’ll also guide you through how to use them.
Service Introduction: Our service department will reach out to introduce themselves. If you got the Premium+ Package, they will also set up your first appointment then.
Account Success: Your account success specialist will contact you to review some important items for you. Things like how to make payments, best practices, our raffles, challenges, setting up automatic payments, and others.
Quality Follow-Up: Your consultant will contact you in the following days to make sure you are satisfied. Please use this as an opportunity to ask for clarification or help on anything you need.
Continued Follow-Up: We are here by your side throughout the program. We value your feedback and involvement and will frequently check in to improve things for you and others.
Referrals. Our mission to help the residents of the Fresno area improve their financial situation and live a better life depends on our Members spreading the word. We will always ask for referrals!