Get pre-qualified
Tell us what fits your budget and we'll match you with vehicles and financing options.
Next step
After we talk, the actual credit application goes through our lender - we'll send you the link.
Recommended lenders
As your advocate, we recommend applying directly with a credit union or bank to get pre-qualified for your auto loan. Many dealers' finance departments mark up the interest rate above the rate you actually qualify for - applying directly with a lender can save you thousands over the life of the loan.
Lenders look at four things: your credit score, debt ratio, proof of income and the value of the vehicle you're buying. Most credit unions can still help at a higher rate if some of those are closer to sub-prime. Call us with questions: (951) 681-2101.
Nationwide (online)
- PenFed (Pentagon Federal Credit Union) Top pick
Our #1 recommendation for non-military buyers in any of the 50 states - LightStream Top pick
Nationwide online lender - State Farm Bank
Very fast results so far - Credit Union Locator
Find a credit union in your area
Military & government
- USAA Top pick
Current, retired and honorably discharged service members, or children of. Very fast funding - Navy Federal Credit Union Top pick
Family members of military and government contract employees (more family members qualify than with USAA) - Wright-Patt Credit Union
Recommended for members of the military
Southern California
- Wescom Credit Union Top pick
Large Southern California credit union - Arrowhead Credit Union Top pick
Large credit union - Riverside and San Bernardino counties - SchoolsFirst FCU Top pick
Large Southern California credit union for educators and their families; Orange County - Altura Credit Union
Riverside and San Bernardino counties; also RV loans - Alaska USA FCU
Riverside and San Bernardino counties, and Alaska - Matadors Credit Union
Southern California - Visterra Credit Union
Southern California; vehicles over 100,000 miles - E-Central Credit Union
Southern California
San Diego area
- North Island Credit Union
San Diego County
Central & Northern California
- Patelco Credit Union
Central and Northern California - Tower Federal Credit Union
Central and Northern California
Other states
- Deer Valley Credit Union
Arizona - Advantis Credit Union
Oregon - Georgia's Own Credit Union
Georgia - Safe Federal Credit Union
South Carolina - Houston Federal Credit Union
Texas - Postel Family Credit Union
Texas
RV, classic & special vehicles
- Essex Credit
RVs and motorhomes, terms up to 20 years; recommended by Costco - Excel Credit
RVs, motorhomes, boats and aircraft, terms up to 15 years - Southeast Financial
RVs and motorhomes, terms up to 15 years - J.J. Best Banc
RVs and classic cars and trucks
Links open the lender's own website. Rates and membership rules are set by each lender and change often - check with them.