Been turned down for a car loan?
California Auto Loan Assistance Program
Doesn't matter. We work with all types of credit, and approvals come back the same day.
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.
This program is for California residents.
Call (818) 867-4583You may not qualify just yet
The program needs $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
- Same-day approvals
- 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
“Got me approved the same day. No more bus for me.”
Martuan CottonDec 2025
- 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
“Gabriel got me the quickest approval. No lies or false advertising.”
Rochelle AlexanderJul 2026
- 5 out of 5 stars
“My credit is shot but they got me a good interest rate on the vehicle and a good price on the extended warranty.”
Dominic GamaliDec 2025
- 5 out of 5 stars
“After 7 months of not having a car and trying at so many places and being denied, he made it happen.”
KaylaFeb 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
Introducing the California Auto Loan Assistance Program
Expanding Eligibility!
The banks keep saying no? That's exactly who we specialize in.
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
Approvals depend on the cars we have in stock. Not everyone is approved.
Apply NowThree Hardship 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 Program Advisor collects your documents and submits your case.
- 3
Same-day approval
Approved terms stay valid for 48 to 72 hours.
- 4
The lender picks your car
It matches a car from our stock to your income, your cash for taxes and DMV, 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 get approved?
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.
How fast is the approval?
The approval process happens the same day you apply and send your documents. Approved terms stay valid for 48 to 72 hours.
Who picks my car?
The lender picks it from our stock. It looks at your monthly income, the cash you have for taxes and DMV, and the type you want: sedan, SUV, van or truck.
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.
Is everyone approved?
No. Not everyone is approved. Approvals depend on the cars we have in stock. If you don't fit a tier, you can re-apply with a qualified co-signer.
How long does the application take?
Less than 5 minutes.