Bad Credit Auto Loans inSan Francisco, CA

Our San Francisco dealer network approves bad credit auto loans for credit scores as low as 300. While traditional lenders in California typically require 660+, our specialized partners focus on your current income and employment stability rather than just your credit score. Our dealers have helped San Francisco residents with scores of 300-500 (credit challenged), 500-600 (specialized), and even those with no credit history at all.

We get to work on your pre-qualification right away. You can expect a call from a financing specialist on the same business day, often within a few hours. Once approved, you can visit one of our local San Francisco dealerships the same day or next business day to finalize your loan paperwork and drive home in your vehicle. Many San Francisco residents are driving within 24 hours of submitting their pre-qualification.

While a down payment isn't always required, having one can be a big help. Many lenders specializing in bad credit auto loans find that a down payment between $500 and $1,000 significantly strengthens your pre-qualification and can lower your monthly payments. Don't have a down payment? Our San Francisco dealers work with lenders who have flexible options for many different situations.

Yes! Our San Francisco dealer partners specialize in post-bankruptcy bad credit auto loans. Whether you filed Chapter 7 or Chapter 13 bankruptcy, we work with lenders who understand that bankruptcy is often a financial fresh start. Many San Francisco residents find financing for bad credit auto loans within 6 months of bankruptcy discharge.

In California, you'll need a valid driver's license, proof of income (paystubs or bank statements), proof of residence (utility bill or lease agreement), and proof of auto insurance. California law requires full coverage insurance for financed vehicles. Our San Francisco dealers can help you find affordable insurance options if needed. The minimum age is 18 in California.

Bad credit auto loan rates in San Francisco typically range from 10-24% APR depending on your specific credit situation. Credit challenged (300-500 score) averages 18-24% APR, specialized (500-600) averages 14-20% APR, and near prime (600-660) averages 10-16% APR. While higher than prime rates, this is an investment in rebuilding your credit. Many San Francisco customers refinance to lower rates after 12-18 months of on-time payments.