Looking for your next car?
All City Cars
We work with all types of credit.
Do you live in California?
Is your income $3,000 a month or more (before tax)?
Do you make $2,500 or more a month and have extra cash for the down payment?
What is your credit score?
Do you have a co-signer who could qualify?
Any vehicle repossession?
Do you have a co-signer who could qualify?
Answer honestly
We check your income and ID. A credit check that can't go ahead lowers your score for nothing.
We serve California residents.
Call (818) 867-4583You may not qualify just yet
You need $3,000 a month, or $2,500 with extra cash down.
Call (818) 867-4583You'll need a qualified co-signer
Call (818) 867-4583
- 2016–2026 certified pre-owned
- 100% clean title
- 3-month / 4,500-mile warranty
- All types of credit
- Apply in less than 5 minutes
Don't take our word for it, take theirs
- 5 out of 5 stars
“Huge shoutout to Alvaro — he helped me get into a car that I honestly thought I would never get approved for.”
Anieca BluittMar 2026
- 5 out of 5 stars
“They were great they really helped me out in a bind and got me into a vehicle really fast!”
Jacqui StacyDec 2025
How it works
What you need
Here's our requirements
- Live or work in Southern California
- A valid California driver's license or ID
- Proof of income: your two most recent paystubs, or 3 months of bank statements if you're self-employed
Three Tiers
- 600+
Tier 1 · FICO
No past repossessions.
- 550+
Tier 2 · FICO
One past repo is OK if it is over 1 year old.
- 500+
Tier 3 · FICO
One past repo is OK if it is over 1 year old.
- No min
Co-signer · FICO
Don't fit a tier? Re-apply with a qualified co-signer.
A past repo may need more money down.
How It Works
- 1
Apply online
Takes less than 5 minutes.
- 2
Send your documents
A Sales Advisor collects your documents.
- 3
Get your answer
We call you back with the next step.
- 4
Pick your car
We match a car from our stock to your budget and the type you want.
Got Questions?
What credit score do I need?
Tier 1 needs a 600+ FICO score. Tier 2 needs 550+. Tier 3 needs 500+. With a qualified co-signer there is no minimum FICO.
How much money do I need up front?
You cover California taxes and DMV fees. That starts at $1,995 and up, depending on your tier. A past repo may need more money down.
What income do I need?
At least $3,000 a month in gross income.
I had a repossession. Can I still apply?
Tier 1 needs no past repossessions. Tiers 2 and 3 accept one past repo if it is over 1 year old. You may need to put more money down.
What documents do I need?
W2 employees: your two most recent paystubs. Self-employed: 3 months of bank statements (PDF). Everyone: a California driver's license or ID.
What cars do you sell?
Certified pre-owned cars from 2016 to 2026. Every car has a 100% clean title and a 3-month or 4,500-mile warranty.
How long does the application take?
Less than 5 minutes.