Every credit.
Every driver.
All City.
Hand-picked pre-owned cars with fast, honest financing — approvals in 24 hours, whatever your credit looks like.
— Jacqui Stacy "I kept getting denied and they worked their magic and got me approved. This place is the real deal!"
— Rashad Glover "Great customer service! I had a very pleasant experience purchasing my 2021 Ford Bronco!"
— Richard
Why All City Cars
Home & At-Work Delivery
Buy entirely online — we'll deliver your car to your home or workplace.
How it works →Get Pre-Approved Fast
24-hour loan approval, no FICO restrictions on most applications.
Get approved →Real-Life Credit Welcome
Rebuilding credit or starting fresh — our finance team works with you.
Financing options →Schedule a Virtual Test Drive
Experience the thrill of your dream car for yourself before you decide.
Book a drive →Finance Center
Everything you need to finance your next car — start online, finish in the driver's seat.
Credit, Explained
Straight answers on how car financing and credit actually work — no jargon, no surprises.
How to Obtain an Auto Loan
Getting financed is simpler than most people think. Start with the secure online application — it takes about 5 minutes and goes straight to our finance team. Most applicants hear back within 24 hours.
What you'll need: a valid driver's license, your 3 most recent pay stubs (or 2 months of bank statements if you're self-employed or paid in cash), and an active bank account — note that online-only prepaid accounts like Chime won't work with our lenders.
Once you're approved, the approval is good for about 48 to 72 hours — so plan to pick your car within that window. Then sign, drive away, or have the car delivered anywhere in California.
Understanding Your Credit
Your credit score is one number — it isn't the whole story. Lenders care just as much about steady, documentable income and how long you've been earning it. That's why people get approved here after being turned down elsewhere.
All documentable income counts, including disability and SSI. Cash income can work too — that's what the bank statements are for. Even a past repossession isn't automatically a dealbreaker once it's at least 6 months behind you.
And an auto loan paid on time every month is one of the fastest ways to rebuild a credit score — every payment gets reported.
No Credit? No Problem
First-time buyer with no credit history at all? You're exactly who we work with. No credit is not the same as bad credit — and we offer in-house financing for situations the big banks won't touch.
What actually matters: steady income you can document, an active bank account, and a valid California driver's license. Bring those and we can usually find a way.
Have a car to trade? We accept trade-ins when you have the title in hand and there's no loan left on the vehicle.
Common Questions
Do I need a bank account to get financed?
Yes — an active bank account is required. Note that online-only accounts like Chime won't work with our lenders.
What documents do I need to apply?
Your 3 most recent pay stubs — or 2 months of bank statements if you're self-employed or paid in cash — plus a valid driver's license.
How long is my approval good for?
About 48 to 72 hours once it comes through, so plan to pick your car within that window.
Does applying affect my credit?
Submitting the application doesn't automatically run your credit — our finance team reviews it and talks with you first.
Does disability or SSI income count?
Yes. All documentable income counts, including disability and SSI.
Do you take trade-ins?
Yes — when you have the title in hand and there's no loan left on the vehicle.
Do you deliver cars?
Yes — we deliver throughout all of California and cover half the shipping fees.
I had a repossession. Can I still get approved?
A past repossession isn't automatically a dealbreaker once it's at least 6 months behind you.
How It Works
Buy entirely online — with in-home or at-work delivery — or come see us in Studio City.
Apply online
Secure credit application, about 5 minutes, straight to our finance team.
Get approved
Most applicants hear back within 24 hours — no FICO restrictions on most applications.
Pick your car
Personalized help finding the right car and the right loan.
Drive away
Sign and collect — or have it delivered to your home or workplace.
We buy all cars — get cash fast.
Even if you don't buy from us. The fastest way to sell your car, without a trip to the DMV.
Apply Online
First, three quick questions so we can point you the right way:
1. Are you a California resident?
2. Is your income at least $3,000 a month?
3. Any vehicle repossession in the past 12 months?
If the numbers don't match, the deal can't go ahead — and the credit check will have lowered your credit score for nothing.
All City Cars LLC — Used Car Dealer in Studio City, California
All City Cars is your trusted used car dealer in Studio City. Get fast, honest financing on quality pre-owned cars — apply entirely online, secure, simple, and convenient.
Financing Help For Every Situation
Our finance team works with all credit situations — good credit, bad credit, no credit. Complete the secure online application and get approved quickly, often within 24 hours. Serving Studio City and all of California.