We offer 3 types of financing at our store:

For vehicles under 90,000 miles and for persons 18 years or older with a credit score of 650+.
Typically, there are no minimum requirements. Financing is usually done through credit unions.

For persons with a credit score of 500+. Down payment can be as low as 15%!
You may qualify for this program even if you have a fresh discharged bankruptcy or old repos!
Requirements:
* Must be at least 18 years old.
* Minmum monthly income of $1500 Gross.
* New car payment must be less than 30% of your income.
* Must have proof of income (Pay stubs, bank statements...)
* Must have at least 15% Cash down payment. (15% of the total price of vehicle w/tax & lic)
* Must not have any vehicle repossessions in the last 12 months.
* Must bring a list of 10 people as references including names, addresses & phone numbers.
* Must bring a phone bill PLUS gas or cable bill showing the name and current home address.

For persons who do not qualify for the above financing programs.
Requirements:
* Must be at least 18 years old.
* Must have proof of income (Pay stubs, bank statements...)
* Must have at least 30% Cash down payment. (30% of the total price of vehicle w/tax & lic)
* Must bring a list of 5 people as references including names, addresses & phone numbers.
* Must bring a utility, phone or cable bill showing the name and current home address.

Just send an email to: mycredit@norcalmotors.com
and request a credit app by email then follow email's instructions.

Monday - Saturday: 10:00 AM Until 7:00 PM
Sunday: By Appointment Only, So Please Call Before Sunday.

Phone: 916 . 565 . 1900
Email: sales@norcalmotors.com
Address 2516 Albatross Way Ste A, Sacramento, CA 95815