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Finance

Welcome to Our Financing Department

Welcome to 12To9 Vehicles, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Approved Auto Center of Lodi has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low-interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

 

Click on the Credit Application below to get started!

                                                                           

 

 

WHAT IF I HAVE BAD CREDIT?

If you’ve been turned down before, just relax. Our buy here pay here dealership in CA helps every day with bad credit. We know good people sometimes have credit problems. Divorce, loss of a job, a medical problem — things can get out of control fast, and we totally understand that. But we’re more interested in your future; not your past.

WHAT KIND OF VEHICLES DOES YOUR BUY HERE PAY HERE DEALER IN CA CARRY?

Our buy here pay here dealership in CA specializes in pre-owned luxury. We have Lexus, Cadillac, Lincoln, and other luxury vehicles. We also have the best sport utility vehicles and trucks — such as Tahoe, Navigator, Silverado, and other similar vehicles. In fact, we have over 200 vehicles for you to choose from. Pontiac, Chevrolet, Ford. We have almost every style you can think of. We want you to drive away in a vehicle that you can’t wait to show your family and friends. We want you to have a vehicle that you’re PROUD TO DRIVE.

WHAT DO YOU MEAN BY “YOUR JOB IS YOUR CREDIT”?

People come in all the time worried about their credit. If you’re out there working hard every day — doing your best to support yourself and your family — that IS your credit with us. We finance your future not your past.

DO YOU REPORT TO THE CREDIT BUREAU?

Absolutely. Unlike smaller dealerships we report each month to the Experian Credit Bureau. We consider that one of the most important benefits of buying a vehicle from Cal Coast. So many of our buy here pay here customers reestablish their credit with our help, and all of a sudden a new world is opened up to them — they can buy that new house, they get credit card offers — Cal Coast is that fresh start, and we’re proud to give our customers that kind of help.

DO YOUR CARS HAVE A WARRANTY?

One service that really sets Cal Coast apart from another buy here pay here car dealerships in CA is our exclusive Worry-Free, 24 month/24,000 miles, limited warranty. It’s one of the very BEST warranty programs in CA, and it’s included with every vehicle we sell — from our least expensive to our most expensive.

WHAT DO I NEED TO BRING WITH ME TO GET APPROVED?

Please bring the following items with you to the dealership:

  • Proof of income (last 2 pay stubs, court-ordered child support, pension benefits)
  • Proof of residence (proof of lease or mortgage and phone or utility bill)
  • Driver’s license or ID
  • Name, address, and phone numbers for at least 5 local references
  • Down payment

That’s it. We make it simple.

 

 

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