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Payment Calculator

Payment Calculator


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MPG Disclaimer:

Based on model year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.

Pricing Disclaimer:

*Pricing information for 09/25/2023. Pricing includes all offers and incentives. Tax, Title and Tags not included in vehicle prices shown and must be paid by the purchaser. While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at (619) 588-4349 or by visiting us at the dealership.


Apply For Financing


Here are some of the commonly asked questions about financing:

Yes we do, and we are very good at it! We have exclusive relationships with some of the best banks, credit unions and other lenders in the industry. Whether your credit is spotless or spotty at best, we will work hard to get you the best auto loan to match your needs. Watch this short video for more information or apply now.

To learn more about financing, please read our blog post: Get Your Next Car Loan at Auto City!

Yes, we will gladly work with most banks, credit unions, or other auto lenders. If you want, we can even try to beat the approval you already have!

Our application process is very easy and starts with a short online form. We then review your application and let you know by email or telephone if we have any questions or need more information. Once we’ve finished our initial review of your application, we’ll send it off electronically to our carefully selected network of banks and lenders. These lenders all know they’re competing with each other to get your business, and it’s awesome to see multiple offers come rolling in all geared towards your needs and profile. Then we scan all the offers we receive from our network and choose the ones that fit your situation. You are only a few clicks away from a car loan! Apply now.

We work with some of the best banks and lenders in the auto industry, many of which you will recognize, such as Wells Fargo, CapitalOne, Chase, Ally, California Republic Bank, local credit unions, and many more. We also work with a network of specialized lenders with a focus on customers with challenged credit. Perfect credit or not, we can find a lender for you.

Interest rates vary greatly and depend on many factors, including your credit, the vehicle’s age and condition, the length of the loan, and more. This is especially true for customers with not-so-perfect or challenged credit. We work with many lenders and are able to secure competitive rates available for your credit tier. To figure out your rate, please submit a quick financing application and we will get back to you in minutes!

Yes we can! Quite often we are able to get better terms for our customers than their bank or credit union. And if we can’t, we will gladly work with your lender. Want to know if we can do better? Fill out our short financing application and we will go to work for you to deliver the best possible terms!

We often arrange loans with no money down. However, this may not be possible for some customers, and a down payment may be required to finance a vehicle. The required amount depends on many factors, most of which depend on the vehicle itself and your credit. In order to know how much money down you need, please fill out a short financing application and we will let you know.

The amount of money down is only one factor that influences your interest rate. The vehicle’s age, your credit and income, and other factors are also important. Depending on the situation, more money down may or may not affect your interest rate. Please contact one of our friendly sales & finance advisors or fill out our short financing application and we will let you know.

Yes, you can pay off your car loan sooner and at any time without any prepayment penalties.

The selling price is the same regardless if the vehicle is paid for in cash or financed. However, loan interest has to be taken into account as part of the overall cost of ownership when financing a vehicle.

Have more questions? Check out our common questions page.

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    Location400 N Johnson Ave
    El Cajon, CA 92020
    Phone(619) 588-4349
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Auto City 32.7996043, -116.9713702.