No Credit Car Loans in Fresno CA

Feel like the thought of going through another of Fresno’s extreme weather without a reliable vehicle is a nightmare?
Would you like an easy way to get approved with the best no credit car loans in Fresno?

Does getting approved for a vehicle feel hopeless simply because you have no credit history? It’s a frustrating catch-22: you can’t get credit without having credit first.

We understand that frustration, and we’ve been there.

That’s the exact reason why we created and carefully customized our no credit car loans in Fresno, CA. Through our specialized in-house financing, we give you a direct path to getting behind the wheel of one of our reliable no credit cars. This provides our fellow Fresno residents with an opportunity not just to get a vehicle, but to build a strong financial future from the ground up!

Learn more about how No credit car loans work.

With our main location serving the city of Fresno for nearly 20 years, we know what our community Members need to get started. While many people search for no credit check car lots, we offer something better: a responsible path to approval.

We have helped over 5,047 families get a car loan with no credit (or bad credit) and provided them the tools to build a great credit history through our Drive & Thrive program. That is the biggest difference you’ll find when looking at no credit car dealerships in Fresno.

The Westland Difference for No Credit Car Loans in Fresno

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

Our goal is to help you build such a strong credit history that you never need a specialized no credit auto loan again and can qualify for the best rates anywhere.

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

We want our no credit car loans in Fresno, CA to help our community thrive.

We Understand the Struggle of Getting a Car Loan with No Credit in Fresno

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 their credit history.

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

It all starts with allowing you to get a car loan with no credit.

No Credit Auto Loans Customized for Fresno

The car is just the starting point. We customize our entire no credit car loans in Fresno to help our community members build a strong financial foundation from scratch.

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.

The best way to see the power of our program is to look at the real results of our Members. While many of our success stories come from individuals who came to us to help them learn to build up bad credit, the principles of success are exactly the same for those starting with no credit.

Our Drive & Thrive program is designed to provide the support, accountability, and credit-building tools necessary to create a better financial future, no matter your starting point. These stories show what’s possible when you partner with a no credit car dealership that is truly invested in your success.

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 past credit challenges. She was referred to us by a good friend of hers who had succeeded with our financing program.

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 a specialized loan!

Ashley is an example of someone who chooses to come back to our program because she sees she operates better under our guidance. 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. She had been denied at countless dealerships 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. 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 but knew it was her responsibility and just needed a dealership to give her a second 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 she 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 no 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 empower our community to learn about credit and finances. This begins by providing educational content and webinars to Fresno residents that go beyond just getting you approved for one of our no credit cars. We hope to help good people who are just starting out, or in a tough spot, who are ready to build a future they can feel proud of.

We want to provide a positive impact in Fresno, CA, through our fair and supportive no credit auto loans.

Tired of being told “no” because you have no credit history and ready to make a positive change? It’s time to make an appointment with us!

Hours & Location

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

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 for their car loan with no credit with an upfront down payment of $972. Your down payment will vary based on many factors, including your income, expenses, and the vehicle in question. We recommend you put the most down payment possible to help lower your regular payments and provide 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. 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! The more prepared you come, the faster things will go.

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 for no credit car loans?
A. Our program provides access to safe, practical, and reliable family vehicles (i.e., sedans, SUVs, minivans, 3rd-row SUVs) that are typically 5-12 years old with 110,000 miles or less. 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. This sounds great! Is there anything else I should know?
A. Absolutely. We believe in complete transparency. Our no credit car loans in Fresno focus on providing a long-term solution to good people struggling with reliable transportation due to their credit situation. We take an accountability-focused approach to help you learn good financial habits, but ultimately, it is up to you to apply the information and tools we make available. Therefore, we do not guarantee nor imply that your credit will be established or improve as a result of our program.

Our vehicles are priced higher than typical guides like KBB because our pricing focuses on the comprehensive services we provide: the warranties to keep the car reliable and the tools for you to learn about credit and money management so you can make a difference. Interest rates average 28.99%, and payments are tailored to your income to ensure affordability. Most applicants do not qualify for the lowest down payment options.