why-bluesky

California Bad Credit Auto Loans

Bluesky Auto Finance provides bad credit auto loans to the residents of the nation’s most populated state through a network of participating car dealers and direct auto finance companies. From San Diego to San Francisco, we’ve been helping the people of this beautiful part of the country get auto loans since 2004.

Let’s face it, finding California bad credit car loans since the last recession has been challenging to say the least although auto loan approvals are on the rise. Prior to the collapse of the financial markets, people with bad credit looking for California auto loans had options. Not so today.

Bluesky Auto Finance provides auto loans through its network of direct lenders and local car dealers that specialize in helping people get auto financing even if they have bad credit. Whether you’re looking for a new or used vehicle, we can help – here’s how it works:

Direct Lender Platform

One excellent advantage Bluesky Auto Finance offers people in California in need of car financing is the option to get pre-approved within minutes of submitting an application – right from their home. That’s because we work with real lenders that provide auto loans directly to consumers. And, you could get approved from more than one lender and receive multiple offers.

Getting pre-approved by one or more of our direct lenders puts you in the driver’s seat allowing you to focus your negotiating efforts on the price of a car and not the terms of a car loan.

California Auto Dealer Network

As mentioned above, Bluesky Auto Finance provides auto loans through a network of direct auto lenders but not everyone gets approved through this channel. Don’t despair – we also work with and manage our own network of car dealers that are set up to help people with bad credit. Our participating auto dealer network has access to over 400 lenders, most of which are committed to helping our customers.

Types of Car Dealers

Our participating car dealer network is mostly comprised of what we call mid-tier dealers that offer reasonably priced vehicles such as Ford, Toyota, Chevrolet, Nisaan etc. More simply put, our dealer network typically does not include high line luxury stores such as Lexus, Mercedes and BMW, as most of these dealerships don’t carry inventory that is priced properly and therefore affordable for people with bad credit.