We Rock At Car Loans!

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The last thing you want to do is spend as much time shopping for a car loan as you spend shopping for a car. No worries – we’ve got you covered! In addition to offering quality used cars at unbeatable prices, we also work with the best lenders for the ultimate convenience in finding the financing you need.

Let Top Lenders Compete for Your Business

Whether your credit score is high, low, or somewhere in-between, Auto City has a financing program for you. We have exclusive relationships with some of the best banks and auto lenders in the industry, including Wells Fargo, Chase, Capital One, Ally, Americredit, CRB, local credit unions, and more. They will all be competing for your business, which means you’ll get the best deal possible. And when you submit your secure application online, you’ll get a decision in minutes. We handle everything for you so you don’t have to worry about it, saving you hours and hours of time and effort. Below is the secure form for you to fill out to get approved today:
Financing Partners

Let’s Get Started

Challenged Credit

Worried about challenged credit?

It doesn’t matter what your challenge is, we can still get financing for your car. We’ll help you understand the options and advise you on what’s possible for your situation. Many of the lenders we work with have programs designed for any situation, and because they’re competing against each other for your business, you’ll get the best terms possible.

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 best one to present to you, making sure you understand the terms and answering any questions you may have. 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 the best rate available for your credit tier. For example, a prime rate for a 60-month term starts at a low 1.47%, which is as low as the best credit unions in town can offer. 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.

    Location400 N Johnson Ave
    El Cajon, CA 92020
    Phone(619) 588-4349
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    Location400 N Johnson Ave
    El Cajon, CA 92020
    Phone(619) 588-4349
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400 North Johnson Ave El Cajon, CA
Phone: (619) 588-4349 http://maps.google.com/?q=400%20North%20Johnson%20Ave%20El%2C%20Cajon%2C%20CA%2092020


Phone: (619) 588-4349


Phone: (619) 588-4349

32.7996043 -116.9713702
[schema type="organization" orgtype="LocalBusiness" url="www.goautocity.com" name="Auto City" description="" street="400 North Johnson Ave" city="El Cajon" state="CA" postalcode="92020" country="United States" email="hello@goautocity.com" phone="(619) 588-4349" ]
Auto City
Auto City
400 North Johnson Ave
El Cajon, CA, 92020 United States
(619) 588-4349
Auto City 32.7996043, -116.9713702.