Bad Credit Car Loans for Drivers Across California
A low credit score should not keep you from reliable transportation. Days Auto Sales in Orange, CA works with a network of lenders that finance buyers other dealers turn away, including people rebuilding after a repossession, bankruptcy, collections or a thin credit file.
You fill out one secure application. We send it to the lenders most likely to approve your situation, compare the offers, and explain your real options in plain language: payment, term, down payment and total cost.
- Bad credit and no credit considered
- Past repossessions and bankruptcies considered
- First-time buyers welcome
- One application, multiple lenders
- Same-day answers in most cases
- Trade-ins accepted, even if you still owe
How it works
- Apply online in about 5 minutes. It is secure and encrypted.
- We shop your application with lenders that fit your credit profile.
- We call you with real numbers, not guesses, usually the same day.
- Pick your vehicle and drive home, often the same week.
What to bring
- Valid driver's license or government ID
- Recent pay stubs or bank statements (proof of income)
- Proof of residence such as a utility bill
- Down payment, if you have one (it can lower your payment)
Get Pre-Qualified · (909) 544-7587 · Browse inventory
Frequently asked questions
What credit score do I need to buy a car at Days Auto Sales?
There is no single minimum score. Lenders also look at income, job time, residence time and down payment. We regularly help buyers with scores in the 500s and buyers with no score at all.
Will applying hurt my credit?
Checking your options with us starts with one application. We explain before anything is submitted to lenders, so there are no surprises.
Can I get approved after a repossession or bankruptcy?
Often, yes. Some of our lenders specialize in buyers rebuilding credit. Steady income and a down payment help the most.
How much down payment do I need with bad credit?
It depends on the lender and vehicle. Some approvals need little or no money down; a larger down payment usually lowers your payment and improves approval odds.