Easy In House Car Financing 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 approval process with in house car financing in Fresno can get you driving today.

Having served the Fresno, CA area for 20 years, we’ve seen how difficult it can be to get approved for a reliable car when you have challenging credit. Our Drive & Thrive Program, delivered through our in house financing, makes it simple and fast for you to get approved.

As a direct lender, we are here to understand your needs and customize your in house auto financing to provide support from the beginning until the moment you receive your title.

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

• A Different Approval Process With Our In House Car Financing in Fresno
• The In House Car Financing in Fresno Approval Road That Awaits You
  • Getting in Contact
  • Preparation
  • Personalized Consultation
  • Finding Your Best Options
  • Finalizing Your Approval
  • The Drive After
• Getting Started With Your Easy In House Car Financing in Fresno

• Easy & Convenient: Our online approval allows you to start the entire process for in house car financing in Fresno from the comfort of your home. We’ll review your information and let you know exactly what you’ll need to drive away!
• Fast & Responsive: We value your time. As a direct lender, we make the decisions ourselves. Expect us to contact you the same day you inquire and provide clear guidance through each step.
• We See You, Not Just a Score: Because we are the lender, we have the flexibility to look beyond a credit score. 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 for the long term. That’s why we’ll review your application and credit report with you, explaining everything clearly and providing actionable suggestions for improvement.
• Solutions Tailored to You: Unlike the rigid, one-size-fits-all approach of banks, our goal is to help you succeed. We customize your approval and payment plan to truly fit your budget. That’s the power of direct in house finance.
• Transparency & Thoroughness: As one of Fresno’s leading in house financing dealerships, we aim to create a long-term partnership with you. We do this by reviewing everything with you so you fully understand what is needed from you and what you can expect from us.

Learn more about what in house financing is here.

There are 5 simple steps to your approval for in house car financing in Fresno.

Step 1: Reaching Out to Us

First, simply get in touch with us to let us know you need our help. While you can call, text, or fill out our contact form, we suggest you start with our online application, as it is commitment-free and does not affect your credit.

Fill Out Our Online Application Now

PLEASE NOTE: Our application asks unique questions because we’re not a bank; we are the direct lender. As one of Fresno’s leading in house financing dealerships, these questions help us understand your complete situation so we can customize your approval and provide the support you need to succeed. If you have questions, please reach out so we can walk you through it.

Once we receive your application, we’ll review it and contact you the same day to assess your needs. We will then ask you to submit your proofs so our underwriters can verify your information and structure the best possible approval for you.

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, we’ll give you the good news and schedule your in-person appointment! Because we handle everything for your in house auto financing before you arrive, your appointment is incredibly efficient—often under an hour and a half!

We work on an appointment-only basis to ensure we can devote our full attention to you.

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 maximum down payment you can comfortably afford. This helps lower your regular payments and saves you money over the life of your in house finance plan.
• Insurance: You will need full-coverage insurance with comprehensive & collision coverage of $500 or less. We can help you compare quotes from our partners.
  • 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 (Your Personalized Consultation)

When you arrive, we’ll sit down to discuss your situation and fully understand your goals. This is a key part of the in house financing difference.

Understanding & Clarification

This is where we take the time to listen to ensure we’re the right fit for you. It also helps us make sure that we can deliver on what you’re expecting from us and find the best vehicle options for your situation.

Credit Review

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

This is also where we offer complimentary credit review and counsel. We’ll provide you with a copy of your credit report (from a soft inquiry that does not hurt your score) and give you pointers on how to improve it. This is a courtesy we provide because we are invested in your future success.

Step 4: Finding Your Best Options

At this point, we’ll present you with the best vehicle options from our inventory of quality in house cars in Fresno. The selection is 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 in house cars 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.

Selecting Your In House Cars in Fresno

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: Finalizing Your Approval for In House Car Financing in Fresno

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 we’ve customized specifically for you. Because we are a direct lender, we have the flexibility to create options that 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 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 in house financing 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 to Enhance Your In House Auto Financing

Review, Understand, Finalize

Once your paperwork is ready, we will review it with you line by line. 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 as your financing partner.

We encourage you to ask any and all questions.

Meet Your Dedicated Account Success Manager

At this point, you will be introduced to your dedicated Account Success Manager. This level of personal support is a core part of what makes our in house finance model different. You’ll get to meet your go-to partner throughout this process, who’ll guide you and root for you the entire time.

Celebrate!

It’s time to ring the celebration bell! We’ll take some pictures, 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.

Want more info on our in house financing in Fresno?

The Drive After: Our Partnership Continues

You’re all set to drive home now, but our commitment to you doesn’t end there. 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 and show you how to use them.
• Service Introduction: Our service department will introduce themselves. If you got the Premium+ Package, they will also set up your first appointment then.
• Account Success: Your account success specialist will 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!

We are here by your side throughout your entire in house auto financing journey.

As you can see, we’re more than just your typical dealership. In fact, we’re well beyond what you’d expect from a typical in house financing dealership in Fresno, too.

We’re your partners in helping you achieve the freedom of transportation and obtain financial stability. 

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