90% percent of the car loan approval process can be done online or by telephone with your assigned CA Lending® auto loan representative. The final stage of the car loan approval process is to schedule an appointment with your assigned CA Lending® auto loan representative, select your vehicle, sign, and drive. It’s that simple. So Apply Today and get Approved!
“Buy Here Pay Here” is a term that is used to describe a car loan that is directly provided for the consumer by a finance (lending) company or a dealership as opposed to a car loan brokerage that arranges an auto loan for a consumer. CA Lending® provides consumers with car loans as well as the vehicles themselves. In the rare occasion that a consumer may not meet the CA Lending® minimum eligibility requirements for a car loan, CA Lending® can arrange the auto loan through our many lending affiliates, because the most important thing at CA Lending® is the complete satisfaction of our customers. Apply Today and get Approved!
The CA Lending® car loan approval process is simple. First thing you do is go to https://calending.ca/secure-application/ and fill our 100% secure 3 minute car loan credit application and take note of your 6-digit application number. The second step in the car loan approval process is to fax or email 2 recent pay stubs that are within 60 of today’s date. The final step of the car loan approval process is to schedule an appointment with your assigned CA Lending® representative to view and select your vehicle and finalize the paperwork. Simple…Simple…Simple
CA Lending® is now providing new car loans for up to a term of 84 months (7 years). Remember, the greater the term the smaller the monthly payment. Also, your auto loan is completely open and can be paid off at any time with absolutely no penalties or fees. So whether you have good credit or bad credit, just out of bankruptcy or are in a current consumer proposal, CA Lending® will provide you with a new car loan that is both flexible and affordable. Apply Today and get Approved!
There are three (3) categories of interest rates that are available for car loans and they are in order of least to greatest. The first auto loan interest rate category is called ‘Prime” which is reserved for customers with good to excellent credit and starts as low a 3.97% up to 9.9%. The second car loan interest rate category is called ‘Medium Prime’ which is usually for customers that have an average credit rating. ‘Medium Prime’ rates start at 10% and go up to 19.9%. The last auto loan interest category is called ‘Non Prime’ which is available for the most credit challenged customers. The ‘Non Prime’ rates start at 20% and go up to 29.9%. 88% of all CA Lending® ‘Non Prime’ customers become Prime customers within 12 months of obtaining their auto loan. So Apply Today and get Approved!
