Auto Financing & Car Loans in El Cajon, CA

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.

Phone Numbers:Sales Hours:
  • Mon - Sat9:00 AM - 8:00 PM
  • Sun10:00 AM - 6:00 PM

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.

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.

Play Around With Our Payment Calculator

We know it can be confusing to figure out exactly how much your monthly payments will be when you're ready to purchase a new or pre-owned vehicle. Here at Team Mazda of El Cajon, we strive to make this part of the car-buying process easier for you by providing our customers with a payment calculator that'll help you determine how much your monthly car payments will be based on several key factors.

To use our payment calculator, follow these simple instructions. First, enter the price of a vehicle, the interest on an auto loan, the total number of months you plan to make payments on the auto loan, the amount of money you'll be applying as a down payment, and the value of your trade-in. From there, it'll display an estimate of what you can expect your monthly car payments to be. At that point, you'll have all the information you'll need to decide if you can afford to make the monthly payments on a new or used car.

Fill Out an Online Application for Auto Financing

When you decide that you would like to apply for auto financing, Team Mazda of El Cajon makes the application process as easy as possible. You can apply for auto financing right on our website within a matter of just minutes. To start the loan application process, you only need to provide us with basic information about yourself and your financial situation. After that, we'll ensure you can get approved for an auto loan quickly so you can start shopping around for a new or used car immediately.

Even if you don't have the best credit in the world, it would still be worth applying for an auto loan through the finance department at Team Mazda of El Cajon. Our financial specialists may be able to find an auto loan that will work for you. Of course, they're always more than happy to walk you through the auto financing application process if you need help. Our team strives to make the entire experience more pleasant than it would be otherwise and ensure that you can qualify for the auto loan you need.

Shop for a Car That Fits Into Your Budget

Whenever possible, we recommend that those interested in purchasing a new or pre-owned Mazda vehicle attempt to get pre-approved for an auto loan in advance. It makes it much easier to search for a car when you know you need to focus on vehicles within a specific budget. Likewise, our sales staff can help you narrow your search for a vehicle at Team Mazda of El Cajon when you let us know how much you can afford to spend on one.

Once you've been pre-approved for an auto loan, someone from our experienced sales staff will show you some of the best cars, trucks, and SUVs that fit into your budget. Then, you can take your favorites out for a test drive to see which one you like the most. It may be challenging to choose, but eventually, you'll find the vehicle that's the perfect fit for you.

During your search, you can also continue to use the tools found here, such as our payment calculator, to discover how much different vehicles will cost you each month. These tools will guide you and help you evaluate your payments as you get closer to deciding which car you want to buy.

Contact Our Finance Center for New and Used Auto Financing in El Cajon, CA

Buying a new or used car, truck, or SUV can be a stressful experience from a financial standpoint. But it doesn't have to be that way. With the Team Mazda of El Cajon finance center specialists on your side, you'll feel much better about investing in a vehicle. We have all the financing tools you'll need that'll allow you to get behind the wheel of the perfect new or pre-owned vehicle for you. Our team will do everything we can to make shopping for a car a seamless process from beginning to end.

Would you like to speak with someone from our finance center about your auto financing needs? We would love to talk with you more about the finance programs we can offer you when you're in the market for a vehicle. Contact us today to get more information on our auto financing options.


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.

Get Directions

Saved Vehicles

You don't have any saved vehicles!

Look for this Save icon

Once you've saved some vehicles, you can view them here at any time.

Team Mazda of El Cajon 32.801623, -116.971582.