Bad Credit & No Credit Auto Loans | Get Pre-Approved Today!
Bad Credit Auto Loans in Los Angeles, California
Struggling with bad or no credit in Los Angeles or anywhere in Southern California? At Performance Ford of West Covina, we help local drivers get approved with flexible, personalized auto loan solutions—no matter your credit history. Our team specializes in working with Los Angeles residents facing credit challenges. Start your application today and get closer to owning your dream car right here in California!
Why Los Angeles Drivers Choose Us for Bad Credit Auto Loans
We proudly serve the greater Los Angeles area, helping people from West Covina, Pasadena, El Monte, Pomona, and beyond secure affordable auto financing—even with less-than-perfect credit. Whether you're rebuilding or just starting your credit journey, we understand the local market and offer customized options to fit your lifestyle and budget.
With fast approvals and a hassle-free process, we make it easy for Southern California residents to get back on the road in a reliable vehicle.
How Our Auto Loan Process Works
Our process is designed to be quick, transparent, and stress-free. Start by filling out our simple online application, and our team will review your information to find the best loan options based on your unique financial situation. Once pre-approved, you’ll receive guidance on selecting the right vehicle within your budget. We handle the paperwork and coordinate with lenders, so you can focus on driving away in a car you love. With us, auto financing is easier than ever, even with challenging credit!
Tips for Getting Approved with Bad or No Credit
Tips to Improve Approval Odds with Bad Credit
Securing an auto loan in California with poor or no credit is possible when you take the right steps:
Check Your Credit Report – Make sure your credit history is accurate.
Save for a Down Payment – Putting more money down can help with approval and lower monthly payments.
Consider a Local Co-Signer – A co-signer with strong credit can improve loan terms.
Choose an Affordable Vehicle – Staying within budget shows lenders you’re financially responsible.
Avoid New Credit Activity – Don’t apply for new credit during the loan process.
Get Pre-Approved Today in Los Angeles
Live in Los Angeles County? Don’t let bad credit stop you from driving the car you need. Our online application takes just minutes, and no Social Security number is required to get started. Whether you're in Downey, Whittier, Glendale, or right here in West Covina, we’ve got options for you.
FAQs – Bad Credit Auto Loans in California
Can I get an auto loan in California with low credit?
Yes! We work with a network of California-based lenders who specialize in subprime financing. We help local buyers from all across the LA area.
Will applying affect my credit?
No worries—our pre-approval process won’t impact your credit score.
Is there a minimum credit score?
Not necessarily. We consider your income, job history, and down payment when evaluating loan options.
Can I improve my credit with this loan?
Absolutely. Consistent, on-time payments can boost your score over time.
How much should I save for a down payment?
We suggest at least 10% of the vehicle’s price, but we’ll work with whatever you have saved.
What interest rate should I expect?
Rates vary, but we partner with California lenders to offer the best available terms for your situation.
Can I refinance later?
Yes. Once your credit improves, refinancing can help you secure better rates and lower your payments.
How Our LA Auto Loan Process Works
We make bad credit financing easy and local. Here's how it works:
Apply Online – No SSN needed to start.
We Review Your Application – Our Los Angeles-based team finds the best loan matches.
Choose Your Vehicle – Pick from a large inventory of used and new vehicles under $30K.
Drive Away Happy – We handle the paperwork and you leave in a car that fits your life.
Stop wasting time on out-of-state offers—work with a trusted Los Angeles auto dealership that understands your credit situation and your local needs.