Pre-Qualify for you Auto Loan direct with a lender to save yourself thousands of dollars

As your Advocate we recommend you apply directly with a Credit Union or bank to get Pre-qualified for an auto loan.
Most dealers have their own finance department that generates more revenue for the dealership by marking up the
interest rate on the Auto Loan over and above the actual APR that you qualify. Other dealers can make an extra $x,
000 profit per deal writing up your sale so it’s substantially in your own best benefit to apply directly to a lender on
this page based on your circumstance.

Example 1: Many credit Unions are offering Great Rates as low as 2.5% APR for a 5-Year used auto loan.
That would set you payment between $17-$18 per month, for every $1000 that you borrow. With Simple math would
give you a payment of
$173 per month on a $10,000 auto loan.

Best Case Example 2: If you opt instead that a Dealers internal finance department writes up the auto loan for you.
You  APR% markup could be 2.6% over the 1.5% (if they even find you a rate that low) that you might actually
qualify for and then
you payment increases to $185 so you actually pay $710 more profit you pay to the dealer/lender per each $10k
borrowed over the life of the loan.
Buying a $30,000 vehicle the dealer can earn an extra $2130 from the financing over the life of the loan with your
rate of 4.1%
but chances are more likely that dealer will have you written up at a much-much higher rate.

Auto Financing is based on 4 factors, Credit Score, Debt Ratio, Proof of Income, and Collateral value of the vehicle
you are buying. Many loans vary but it’s common to get the best rate if your factors are in order. Most credit unions
can still finance you with a great but higher rate if some of your factors fall closer to the sub-prime figures. Call us for
questions about how to proceed (951)681-2101
Vehicle not just my Vehicle.
Online Nationwide
Non-Miltary
Military & Government
Credit Union Locater

find a lender in your area.
Schools First FCU

Recommended for residents of
Orange County California .
USAA
>>TOP RECOMMENDATION<<<
Current, Retired, and Honorably
Discharged. "or Children of"
Recommended for all with Military
background or individuals with or
have parents that have Military
Background
Navy Federal Credit Union

>>TOP RECOMMENDATION<<<
Recommended for family members
of Military  of government contract
employees (more family members
are eligible than with USAA)
States other than California
Wright-Patt Credit Union

Recommended for members of
Military
More Credit Unions
Coming Soon
Click on the blue links to visit one of our recommended lenders Many offering LOW APR
JJ Best Banc

Recommended for RV or classic
cars & Trucks
Southern California
Altura Credit Union

Recommended for residents of
Riverside/San Bernardino County
California.
Schools First FCU

>>TOP RECOMMENDATION<<<
So Cal. Large Credit Union
For Educators & Family
As low as 2.5% APR 60 months
Arrowhead Credit Union

>>TOP RECOMMENDATION<<<
So Cal. Large Credit Union
As low as 2.5% APR 60 months
Riverside/San Bernardino
County California.
Patelco Credit Union

Recommended for residents of
Central or norther California
Central California
Tower Federal CU

Recommended for residents of
Central or norther California
Matadors Credit Union

Recommended for residents of
Southern California
Visterra Credit Union
Recommended for residents of
Southern California &
Cars over 100,000 miles
E-Central Credit Union

Recommended for residents of
Southern California
Alaska USA CU

Recommended for residents of
Riverside/San Bernardino County
California. & Alaska
Pentagon FCU

>>TOP RECOMMENDATION<<<
Nationwide Online Credit Union
Our #1 Recommendation for
Non-military Nationwide
Ideal for Buyers in any of
the 50 states Nationwide
Sun Trust Bank

>>TOP RECOMMENDATION<<<
Nationwide Online Bank
"Lightstream"
WesCom Credit Union

>>TOP RECOMMENDATION<<<
So Cal. Large Credit Union
Our #1 Recommendation for
As low as 2.5% APR 60 months
North Island FCU

Recommended for residents of
San Diego County California
San Diego Area California
Pentagon FCU

>>TOP RECOMMENDATION<<<
Nationwide Online Credit Union
Our #1 Recommendation for
Non-military Nationwide
"Warning" Lender Blacklist
Avoid these lenders for Auto Dealer Finance
These lenders may be in collusion with New car dealerships
and have proven less-than-helpful and are Judged Hostile to Smart Consumers.

Bank of America Will Not Preform used Auto Loans for any non-franchised Dealer
"This is a pattern for more than 8 years "Avoid" even if you are a BofA employee."

Wells Fargo Bank   &    Chase Bank
These Banks will Not Preform used Auto Loans for any non-Bribe paying dealership.
They require dealers receiving auto loan funds to be In-network AKA dealers that pay membership fees to
the bank to be on the list of approved dealers. We interpret this to paying a bribe to the bank."

Logix Federal Credit Union Will Not Preform used Auto Loans for any non-franchised Dealer

"Some near US boarder" "San Diego Area" Credit Unions
Require that the car being purchased be driven to San Diego so that an employee of the credit union can peek in person to
see the odometer reading on the car prior to loan approval. They are not allowed to use Skype or Face Time.
Excessively burdensome Requirement. "Ask before you apply in San Diego"
Near the US Mexico border we see some unusual requirements likely due to issues from the past.


We can add or remove lenders from blacklist if lender policy changes. Call (951)681-2101 to debate black-listing.
RV Financing
Tax Deductible Loans
Altura Credit Union

Recommended for residents of
Southern California
Excel Credit Nationwide

RV Finance starting at 4.35%
Terms up to 15 years
RV Motorhomes
Boats & Aircraft
Loans from $25k-$3.5million
Southeast Financial
Nationwide
RV Finance starting at 4.75%
Terms up to 15 years
RV Motorhomes
Essex Credit Nationwide
Some of the Lowest APR Rates
recommended By Costco
RV Motorhomes
Terms up to 20 years
1-2 weeks to get Funded
USAA
>>TOP RECOMMENDATION<<<
Current, Retired, and Honorably
Discharged. "or Children of"
Recommended for all with Military
background or individuals with  or
have parents that have Military
Very Fast Funds within 72 Hours
Sun Trust Bank  

>>TOP RECOMMENDATION<<<
Nationwide Online Bank
"Lightstream"
Updated 05/22
Pentagon FCU

>>TOP RECOMMENDATION<<<
Nationwide Online Credit Union
Our #1 Recommendation for
Non-military Nationwide
7.25% APR up to 10 years

Ideal for Buyers in any of
the 50 states Nationwide
Monthly Payment Examples Cheat-Sheet based on best available rates
Auto
2.5% APR rate is $17.74 per month per Thousand Borrowed or $355 per month on a $20,000 loan paid over 5 years
3.5% APR rate is $15.41 per month per Thousand Borrowed or $308 per month on a $20,000 loan paid over 6 years
4% APR rate is $13.66 per month per Thousand Borrowed or $273 per month on a $20,000 loan paid over 7 years
RV Loan
5.15% APR rate is $7.98 per month per Thousand Borrowed or $399 per month on a $50,000 loan paid over 15 years
5.25% APR rate is $6.73 per month per Thousand Borrowed or $336 per month on a $50,000 loan paid over 20 years
Sun Trust Bank

>>TOP RECOMMENDATION<<<
Nationwide Online Bank
"Lightstream"
State Farm Bank &
Insurance  

Very Fast results so-far
Recommended for residents of
Southern California
Alaska USA FCU

>>TOP RECOMMENDATION<<<
Recommended for residents of
Riverside/San Bernardino County
California. & Alaska
Open 7-Days by Appointment
Call at least 1 hour prior to your visit to Confirm
Phone Hours 9am-7pm Pacific time
Indoor Warehouse Showroom
Located at:   9215 Orco Parkway  Suite G
Jurupa Valley California 92509
(951)681-2101