Mazda Finance Center in El Cajon, CA Your new and used automotive financing experts
The Team Mazda of El Cajon finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including El Cajon, San Diego, and National City to ensure our customers get the right finance program at the most competitive rate.
We strive to work with each customer to ensure their satisfaction. We have financed customers from La Mesa to Santee. Whether you are right down the road or an hour away from El Cajon, you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.
Would you like to finance one of the brand-new Mazda vehicles available at Team Mazda of El Cajon? Or are you interested in financing one of our dealership's many certified pre-owned vehicles? Either way, our finance center is always here to help those in El Cajon, San Diego, National City, La Mesa, Santee, and the surrounding areas with all their auto financing needs. We invite you to discover how we can assist you when you're ready to finance a new or used vehicle from our lot.
- Main:619-975-3650
- Sales:619-975-3650
- Service:619-949-3005
- Parts:619-332-4593
- Christmas Eve9:00 AM - 4:00 PM
- Christmas DayClosed
- New Year's Day9:00 AM - 8:00 PM
- Labor Day10:00 AM - 6:00 PM
- Thanksgiving Eve9:00 AM - 2:30 PM
- Thanksgiving DayClosed
- Mon - Sat9:00 AM - 8:00 PM
- Sun10:00 AM - 6:00 PM
BEGIN BY VALUING YOUR TRADE
Are you considering trading in your current vehicle to bring down the price of a new or used car, truck, or SUV? We make it easy to value your trade so you can figure out how much your existing vehicle might be worth. Our value-your-trade tool will enable you to determine what your car, truck, or SUV may be worth using little more than your vehicle identification number, your license plate number, or even just the make and model of your vehicle.
Our value-your-trade tool will provide you with an appraisal for your vehicle and an instant offer on the spot. It'll come in handy when you're trying to come up with a budget for buying a new or pre-owned vehicle. It'll also be helpful to know what your car is worth if you're going to be financing your next car, truck, or SUV through our dealership. You might be able to spend more on a new or used vehicle than you initially thought possible after seeing the value of your existing vehicle.
SPECIAL FINANCING - FREQUENTLY ASKED QUESTIONS
We care about you and your future, so we take time to learn about your past. Then we find reasons to say yes! Our personal relationships with lenders allow us to secure approvals to get you back on the road. You’re more than just your credit score. At Team Mazda of El Cajon, our finance center's team of experts specializes in 3 types of consumers:
- Those with challenged credit, looking to rebuild
- First-time buyers who have no established credit
- Customers who owe more on their trade then what it’s worth
We finance customers every day that get turned down elsewhere. Regardless of your current situation, we will walk you through the approval process. It’s simple and easy!
WHAT IF I DON’T HAVE ANY MONEY FOR A DOWN PAYMENT?
That’s okay! We make deals happen every day with little to no money down. As long as we stay within the lender’s guidelines, we can find you an approval that works within your budget.
WHAT WILL MY INTEREST RATE BE?
Lenders actually dictate the interest rate, not the dealer. That being said, our job is to present you to the bank in the best light possible! Most of our customers with credit challenges think their score dictates everything, but that’s not the case. Lenders consider job time, residence history, vehicle type, etc. when calculating loan terms. We’ll help you gather the information so we can submit a complete package to the lender for approval and get your rate secured.
I STILL OWE MONEY ON MY VEHICLE. CAN I TRADE IT IN?
Absolutely! Most of our clients with trades still owe money on them, so we deal with this all the time. We take any and all trades! Our team of professional appraisers in store will inspect the vehicle and make you an aggressive offer.
WHAT’S THE LOWEST CREDIT SCORE YOU CAN GET A LOAN WITH?
Since lenders look at more than just a credit score, there really isn’t a firm answer here. Other factors like income and previous credit history hold a lot of weight. Life happens, and tough circumstances usually have a quick effect on a credit score. That’s why banks look for trends and previous good history when making a decision. A large part of our success comes from presenting a full package to the bank instead of just a credit ranking.
LEARN MORE ABOUT SPECIAL FINANCING IN EL CAJON, CA
Have more questions about financing a new or pre-owned vehicle? Contact us today, and we'll be happy to answer them. You can also use our payment calculator to determine how much your car payments will be, and get pre-approved for financing once you're ready.