Been turned down for a car loan?
California Auto Loan Assistance Program
Turned down before? It 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 will you have about $3,000 cash on the day you sign?
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.
Not everyone is approved.
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 about $3,000 cash on the day you sign.
Call (818) 867-4583You'll need a qualified co-signer
Call (818) 867-4583
- Same-day approvals
- 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 in 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.
You need at least $1,995 cash on the day you sign, for California taxes and DMV fees. It can be more, depending on your tier. A past repo may need more.
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 need at least $1,995 cash on the day you sign, for California taxes and DMV fees. It can be more, depending on your tier. A past repo may need more.
What income do I need?
At least $3,000 a month in gross income. $2,500 to $2,999 can work if you will have about $3,000 cash on the day you sign.
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.
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. 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.
Is it a loan? Do I pay it back?
Yes. It is a car loan from a lender. You pay the lender back every month. The lender sets your monthly payment.
Does applying check my credit?
Asking us questions does not check your credit. We check it after you apply.
What do I bring?
- Your California driver's license or ID.
- Your 2 most recent pay stubs, or proof of income. If self-employed, bring 3 months of bank statements as PDFs.
- Proof of address: a bill or bank statement in your name.
- Cash for taxes and DMV fees, from $1,995. It can be more. With income of $2,500 to $2,999 a month, bring about $3,000.
- Your trade-in title, if you have one.