No Credit Car Loans at Westland Auto in Fresno, CA

Getting denied over and over again for the car you need because you don’t have enough credit is frustrating. It makes you feel like you should give up.

We’ve been there. We understand.

It’s the exact reason why our Drive and Thrive Program, provided through our No Credit Car Loans, was built!

Whether you’re dealing with bad credit, a first-time buyer, or new to building credit, Westland Auto is here to help. We’ve proudly served the Fresno community for 20 years, helping over 5,000 families get reliable no credit cars and a real opportunity at building a strong financial future.

Our No Credit Car Loans won’t just helping you get a car, they’ll give you the chance to learn to build your credit and keep it healthy forever.

Credit and finances are important parts of how our society operates, and yet schools do nothing to teach anything about the subjects. It’s often the reason why so many people struggle to get that first approval for the vehicle they and their family need.

We design our No Credit Auto Loans to provide you with a reliable vehicle that will keep you focused on learning and successfully building your credit and financial situation.

What Are No Credit Car Loans?

No credit car loans are designed specifically for individuals who have been denied by traditional lenders because they have little or no credit history. Unlike banks that need a credit score to judge risk, Westland Auto looks at your current situation: your stable income, your residence, and your readiness to start a positive financial journey.

We provide these no credit auto loans directly through our in-house financing program. This means no involvement from outside banks. Our entire team invests in providing you with the auto loan you need to get a reliable vehicle.

We specialize in helping people with bad or no credit history who have had all the “traditional” channels turn their backs on them. Having a reliable vehicle in the Fresno, CA area is a necessity, and our no credit car loans can help you start.

However, no two no credit dealerships are the same.

The Difference of Westland Auto Sales’ Approach to No Credit Cars in Fresno

Our car loans for no credit begin with our Members’ success in mind. We believe that as long as we focus on helping you succeed, all else will follow.

In the no credit auto loan industry, repo rates can be high. As high as 60%! We have worked hard over the years to reduce this down to 21.7%!

This means you can be confident that you have a very high chance of successfully making it through your first car loan and building a positive credit history for the next stage of your life!

Everything about our no credit car loans, from the type of reliable vehicle we purchase, the approval process we provide, to the supportive approach our Account Success Managers take, is carefully planned to give you the highest chance of learning to build your credit, paying off your vehicle, and managing your money effectively.

We want you to use our no credit auto loan this first time and come back to us for your future vehicles because you CHOOSE to, not because you have to.

Your Benefits of Our No Credit Car Loans – Drive and Thrive Program

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

• Dedication to Your Future – It starts with you as our focus. Every part of our no credit car loan is carefully designed to give you the highest chance of success, from our quality inventory to an accountability approach that helps you build great financial habits.
• 97% Approved – If you have employment and are a resident of the Fresno area, you’ll likely be getting an approval. We specialize in creating flexible plans that work for real people, regardless of their credit history.
• High-Quality, Reliable Vehicles – We handpick our inventory for safety and reliability. Every vehicle goes through rigorous inspection and reconditioning so you can stay on the road and focused on starting your credit journey.
• FREE 2-Year Warranty – We want you to be confident about your first major purchase. That’s why all of our no credit cars carry our industry-leading FREE 2-year warranty with routine maintenance included!
• Flexible Payment Plans – We don’t use a one-size-fits-all approach. We tailor your payments to fit your unique situation, making it easy to build good financial habits from the start.
• FREE Credit Reporting – This is crucial for you. Other no credit car dealerships might not help you build credit. We report your payments so you can establish a positive payment history from scratch and build your score.
• Accounts Success Manager – You’ll have a dedicated Account Success Manager to help guide you through every phase of your car ownership journey.

Car Loans For No Credit to Help You Drive & Thrive

Our founders moved to the United States in pursuit of the American Dream, only to realize that the system was built to keep those less fortunate down. All of the dealerships they went to rejected them for having no credit, which made things difficult to start.

They didn’t feel one should have to deal with that unnecessarily and took it upon themselves to help.

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 no 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.

No Credit Auto Loan Benefits Our 8 New Members Receive:

• Flexible Down Payments – Unlike other no credit car dealers, we don’t base our approval on your down payment. We analyze your situation and ask for the amount that will get you the best structure for your 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 for our no credit car loans.
• Onsite Service and Repair Facility – We carry 152+ cars in inventory on average. We carefully service each by our onsite service and repair facility that is accessible to you at all times.
  • We prioritize Member work to keep your vehicle well-maintained.
  • Special financing is available on services done through us. To be fair to every Member, we follow a first-come-first-serve appointment-only approach.
• Habit-Building Accountability – Your parents likely helped you to remember to brush your teeth every night, even when you didn’t want to. Because of that, you continue brushing your teeth to this day without ever once thinking about them. 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’ll be able to do things without us.

Requirements for No Credit Auto Loans with Westland Auto Sales?

Here are the basic program requirements you’ll need:

• Proof of Income: This can include pay stubs, tax returns, award letters, or bank statements.
• Proof of Residence: A utility bill, cell phone bill, or other mail with your name and recent date.
• Driver’s License or Valid Photo ID
• Down Payment: We recommend you save as much as possible. A higher down will get you better payments and save you a lot of money.
• (If You Have a Bank Account): 3 Months Bank Statements
• References: 7 or more personal references. Anyone who is closest to you.
• Insurance: You’ll need full-cover insurance with $500 deductibles or less before driving off. We can help you get quotes.
• Apply Online & Make an Appointment – Fill out our application online to make it as convenient for you as possible. We’ll do all the heavy lifting and set up your appointment when your approval is ready!
• Visit Us in Person – We work on an appointment basis only to devote our entire attention to those who are truly ready. This way, we can get you driving in less than an hour and a half!

Will No Credit Car Loans in Fresno with Westland Auto build my credit?

They definitely can! This is one of the biggest benefits. By reporting your on-time payments to credit, you can establish a positive payment history and begin the process of building your credit score from zero. We will also provide you with advice on other areas that can help you in your specific situation.

What will make me a great fit for the No 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 no credit:

• Readiness & Dedication Toward Your Long-Term Success
  • Above all, we look for those who are truly ready to help themselves.
• Employment & Residence Stability
  • Stability will let you prepare more for when you hit bumps on the road and get through them successfully.
• Ability to Pay Comfortably
  • We’ll review your income and expenses together to get you a comfortable ongoing payment with enough room to build your savings.
• Responsibility
  • Much in life is out of our control, but when you take responsibility for the things in your past that are, you’ll be able to see the path you need to take to start making a positive change.

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

• 3+ Year Resident of the Fresno, CA Area
  • We serve long-time residents of the surrounding Fresno area only.
• Focused on Your Future, NOT the Vehicle
  • Not having a car is not the problem, but instead, a symptom of the real problem. The car is only a tool to help you achieve bigger goals. Understanding that as long as the vehicle fits their needs, our program through our no credit car loans is what truly matters for their long-term success.
• We’re Partners Who Need to Help Each Other
  • Our No Credit Car Loans need your help to continue improving, for you and anyone else you will refer to us in the future. We’re in this together.

What type of no credit cars can I expect to get with the Drive and Thrive Program at Westland Auto Sales?

We carry family-oriented no credit cars that have been carefully chosen for their safety, reliability, and practicality. They’re an average of 5-7 years old with 90,000 miles. These include sedans, SUVs, minivans, and 3rd row SUVs.

You won’t find trucks, flashy, sporty, or luxury vehicles here. This is because these vehicles are notorious for being unreliable, unsafe, and expensive. 

Our goal is to provide you with a used no credit car 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 No Credit Car Loans – Drive and Thrive Program?

At the moment, Westland Auto accepts only 8 new Fresno, CA area Members per week through our No 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 your typical 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.

No 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 your No Credit Car Loans 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).

No Credit Car Loan 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 through your No Credit Car Loans?
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.

No Credit Cars 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 avoiding confusion by providing full transparency. Our no credit car loans 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 No Credit Car Loans – Drive & Thrive Program only provides service to residents of the Fresno, CA +20 mile area.

Hours & Locations

Westland Auto Sales – No 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