In House Financing at Westland Auto in Fresno, CA

a picture of the westland auto in house financing team

Are you having trouble getting approved for a car loan because of your credit?

Don’t give up just yet!

We might just have the solution to get you on the road to reliable vehicle and a better life.


Get on the Road with the Best In House Financing in the local Fresno, CA Area!


Getting denied all the time for having made past mistakes or not having no credit doesn’t feel good. You probably feel like there’s no hope and should just give up, right?

We know, we’ve been through it.

It’s the exact reason we created and carefully customized our In House Financing – Drive and Thrive Program to allow our Members to succeed!

What is In House Financing?

In House financing is also known as Buy Here Pay Here or no credit needed auto loans. It’s a form of auto loan provided directly through our dealership that does not base your approval on your credit score. This makes it easy and stress-free for our Members to be able to get into a reliable vehicle without the worry of getting yet another “NO”. And then, we take it a few steps further.

With nearly 20 years of experience serving the Fresno community, we’ve helped over 5,047 families achieve their car ownership goals. Our unique In-House Financing – Drive and Thrive Program is designed to empower you to not only get a car but also help you build your credit and a better financial future.

This isn’t just a temporary fix. Our program is meant to help you get to the root of the problem and help you end your struggles for good.

a happy single mother of four with all her children around her, excited about her approval with our in house financing

How In-House Financing Works


How Does In House Financing Work?

In-house financing means that the dealership, Westland Auto, provides the financing directly to you. Unlike traditional dealerships that sell your loan to a bank or third-party lender, we keep the entire process in-house. This allows us to offer flexible financing options tailored to your specific situation, even if you have less-than-perfect credit.

In the Fresno area, having a dependable vehicle is essential. Without one, it can be difficult to get to work, take care of your family, and pursue your goals. Our in-house financing program is designed to help you overcome these challenges and get back on the road to success.

However, no two In House financing dealerships are the same.

Westland Auto Sales’ Unique Approach to In-House Financing in Fresno

Our In-House Financing – Drive and Thrive Program is built on a foundation of member success. We believe that by focusing on your well-being and financial stability, we can help you achieve your goals.

The national average repossession rate for in-house financing is nearly 60%. At Westland Auto, we’ve worked hard to reduce that number to just 21.7%. This means you have a nearly 80% chance of successfully completing our program and moving on to a brighter financial future.

From the vehicles we select to the support we provide, every aspect of our program is designed to maximize your chances of success. We want you to use our in-house financing program once and return to us for your next vehicle because you choose to, not because you have to.


How We achieve a high success rate through our In house financing


A staff member of Westland Auto - in house financing leaning against a truck and laughing

Benefits of Our in house financing – Drive and Thrive Program for You

The Immediate:

  • Dedication to Member Success: Your success is our priority. We’ve designed our program to give you the highest chance of achieving your car ownership and credit improvement goals.
  • Reliable Vehicles: We carefully select used vehicles for their safety, reliability, and practicality. You can trust that the vehicle you get through our program will be dependable and help you stay focused on your financial goals.
  • High Approval Rate: Getting approved for in-house financing with us is easy. We have a 97% approval rate and work hard to find the best financing terms for your unique situation.

The Long-Term:

  • Customized Payment Plans: We don’t believe in a one-size-fits-all approach. We’ll work with you to create a payment plan that fits your budget and helps you build good financial habits.
  • Free 2-Year Warranty: Enjoy peace of mind with a free 2-year warranty on the engine and transmission of your vehicle.
  • Credit Building Opportunity: We report your payment history to the credit bureaus, helping you establish or rebuild your credit score.
  • Dedicated Account Success Manager: You’ll have a dedicated Account Success Manager who will guide you through the program, answer your questions, and ensure you stay on track.

Why Choose Westland Auto’s In-House Financing in Fresno?


a staff of Westland Auto welcoming a happy new Member into our in house financing - drive and thrive program

We Know Your Struggle First-Hand and Have Tailored Everything About Our In House Financing – Drive and Thrive Program to Help You.

Our founders experienced the frustration of being denied car loans due to lack of credit when they first immigrated to the United States. They built Westland Auto on the belief that everyone deserves a chance to achieve their dreams, regardless of their credit history.

For nearly 20 years, we’ve been helping families in the Fresno area get reliable transportation and the guidance toward better credit they need. We continuously strive to improve our in-house financing program to serve our members better.

Right now we can only admit 8 New Members into our Program each week. Because of that, we carefully review the thousands of applications that come in to ensure we provide those most ready for our help with the dedication and support they need.

what makes our in house financing stand out

These 8 New Members each benefit from:

  • Flexible Down Payments: We don’t have a fixed down payment requirement. We’ll work with you to determine the down payment that allows your regular payments to comfortably fit your budget based on the vehicle you need.
  • Onsite Repair Facility: We have an onsite repair facility that prioritizes Member vehicles and offers interest-free financing on certain services.
  • Free Warranty: We provide a free 2-year warranty that covers the major components. We want to help you stay on the road and focused on what truly matters; building credit and saving.
  • High Accountability: We’ll provide the support and encouragement you need to stay on track with your payments and build good financial habits.
  • Credit & Money Courses: You’ll get free access to a full set of courses on building credit and money management!
  • Credit Reporting: Your payments will be reported to credit so we can help you build your credit quickly!
  • Step-by-Step Guides: Once you’re done learning about credit and money, you’ll have access to a fully detailed guide that will outline the steps you can take to start seeing results today!

What Should I Know About Your In House Financing Program?


What do I need to qualify for In-House Financing 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, date, and address.
  • Driver’s License or Valid Photo ID
  • A Down Payment – We recommend you save as much as possible. Having a higher down payment gives you discounted payments and saves you a lot of money in the long-run.
  • Bank Statements for the Last 3 Months (If You Have a Bank Account)
  • Fill Out The Online Application & Set Up Your Free Consultation – Our online application is quick, easy, and will provide us the necessary information to get started. Our free consultation will help us get to know you and your situation better to make sure that we will be a good fit for you and find the best options customized for you.

Will In-House Financing in Fresno with Westland Auto Sales improve my credit?

It absolutely can! We report your payment history to the credit bureaus, which can significantly improve your credit score over time. We also provide guidance and resources to help you make smart financial decisions.

What makes me a great fit for the In House Financing – Drive and Thrive Program?

We look for these traits in Members:

  • You’re ready & dedicated to bettering your situation.
    • This is the biggest. You could bring $8,000 on a $10,000 car it will not earn you one of the 8 positions if we see you are not ready.
  • You have stability in employment & residence.
    • When interruptions hit your life you are more prepared to face them successfully when you are stable.
  • You Can Comfortably Afford Your Payments
    • The down payment we ask for is to ensure we can get your payment to a comfortable amount. That’s why we carefully assess your income and expenses with you and determine the amount together.
  • You Take Responsibility for Your Past & Committed to a Better Future
    • Life happens and many things are out of our control but the future is. You’re ready to make the choices to lead you to be in control of your future.

“If it’s not our fault, there’s nothing we can do. If it is, we can find ways to improve it.”

  • You’re a Resident of the Fresno, CA +20 Mile Area
    • We only serve long-standing (3-year minimum) residents of the Fresno, CA +20 mile area.
  • You Understand the Vehicle is a Tool to Achieve Larger Goals
    • The car itself is not your ‘dream car’. It will not be flashy but instead safe and reliable. The In House Financing – Drive & Thrive Program is the dream program that will allow you to get the ‘dream car’ and many other desires you want.
  • You View Us as a Partner in Your Success
    • Our In House Financing – Drive and Thrive Program has come a long way from when we opened in 2007, yet it still has a lot of room to grow. Help us improve for you and everyone else. We are in this together.

What type of vehicle can I expect to get with In-House Financing at Westland Auto?

We offer a selection of safe, reliable, and practical family-oriented vehicles. Our focus is on providing dependable transportation that will help you achieve your financial goals.

Is there a limit to how many people you can accept into the In-House Financing – Drive and Thrive Program?

Currently, we can accept 8 new members per week. This allows us to provide personalized attention and support to each member.

Our company plans on growing and hope that our Members can continue guiding us in ways we can improve our Program further so we can reach more of those who could use our help. 

We are not a used car dealership nor a finance company. We’re a community set on helping our Members build their credit by providing the guidance and accountability they need.

We are an organization where our Members can feel confident to refer others like them and help everyone grow together.


Ready to Take Action and Embrace a Better Future with our local In House Financing? 


a man and woman overjoyed with the vehicle they chose to join Westland Auto in house financing - drive and thrive program

Fill Out This Form Below & Get Started!

***PLEASE FOLLOW THESE INSTRUCTIONS***

  1. Read the FAQ Below First.
  2. Briefly explain your situation so we can understand and serve you best.
  3. Tell us how you hope we can help you.
  4. How did you hear about us? – Type One (Friend or Family [most common], Google, Facebook, Instagram, TikTok, YouTube)
All fields marked with an asterisk (*) are required
Contact Information
Please enter your First Name
Please enter your Last Name
Please enter your Phone Number
Please enter your Email Address

Characters left: 1,024

1. Can you approve someone with SSI or Fixed Income?
A. Yes, but a higher down payment may be required due to the limited income.

2. Can you approve someone with self-employment?
A. Yes, as long as we can verify your income. However, we do not accept rideshare self-employment (uber, door-dash, etc.) or anyone intending to use the vehicle for business use.

3. What if I am currently unemployed?
A. We need proof of steady income to make sure we are setting you in a good spot. Without it, we would be unable to get you approved.

4. Do you work with anyone outside of the Fresno, CA area?
A. No. We only serve residents local to the Fresno, CA +20 mile area.

5. How much down payment do you need from me?
A. The average upfront down payment is $972 but will vary based on your individual circumstances. It’s recommended you put down the most possible to help you discount your payment and save you lots of money long-term.

We work on an appointment basis only to devote our full attention, preparation, and time to you.


a graphic of a sign that says join us

In House Financing at Westland Auto Sales in Fresno, CA


Main Areas We Service

Our In House Financing – Drive & Thrive Program only provides service to residents of the Fresno, CA +20 mile area.

Hours & Locations

Westland Auto – Drive & Thrive In House Financing
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

Dealership Information:


Westland Auto Sales – Fresno's Buy Here Pay Here Car Dealer

Sales:
(559) 444-0123
Service Department
(559) 981-2535
Accounts Success Department
(559) 233-0107

Business Hours:


Mon - Sat :
9:00 AM - 6:00 PM
Sun :
10:00 AM - 5:00 PM

Our Vision

Empower those in need with the freedom of transportation and the tools to obtain financial stability.


Ready to Stop Struggling?!