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Home / California / Selma / Subprime Auto

Updated March, 2023

Get a Subprime Auto Loan in Selma California

If you live in Selma, California and can’t get approved for your auto loan due to poor credit, you’ve come to the right place. Our team of experts have provided a subprime auto loan resource page for each city in Fresno County.

Auto loans can be approved for subprime borrowers by Selma-based dealerships and local Fresno County lenders because your vehicle acts as their security on the loan. As long as you can show you have a steady flow of income, you can usually be approved post haste.

At LSP we use SwiftWire™ – which allows for nation wide lenders to bid on your subprime auto loan as well.

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Subprime Auto Loan Providers
for Selma California

Locate & Apply

Use the map below to identify subprime auto lenders in or near the Selma, California area. We do not earn commissions from these companies, nor do we have any business arrangements with these Selma lenders.

your apr estimator tool

Use the map below to identify dealerships in or near the Selma, California area who provide subprime auto loans. We do not earn commissions from these dealerships, nor do we have any business arrangements with these Selma dealerships.

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Service Area for Subprime AUTO Loans in Selma CA

Today's video for March 27, 2023

FAQ: Subprime Auto Loans in Selma CA


1.) Can I get an auto loan with a credit score of 500 or less?

Yes. If you have a credit score between 400 and 550, you may get approved for a subprime auto loan with your local Selma lenders and/or dealerships. However, you will need to prove your debt-to-income ratio is such that you can afford your payments. You will need to prove you have a steady income as well.

2.) Do you have a Local Subprime office in Selma, California?

No. is a nationwide lender-borrower conduit service, and does not have consumer office locations in Selma, or anywhere in Fresno County. We are in the process of merging with the company and will be relocating our offices to SoCal.

3.) Can I get a subprime auto loan with no cosigner?

Yes. Depending on your unique financial situation, you may or may not be required to have a cosigner to get approved. For example, if you have a steady income and can prove your total monthly payments are lower than your income, and you have room for a new subprime auto loan payment, you might not need a cosigner. This goes for your Selma-based lenders, Fresno County-based dealerships, and nationwide lenders.

4.) What is the average interest rate for a subprime auto loan?

We actually have a patented tool just for that. Use our APR (interest rate) estimator tool here. This tool uses your credit score and zip code to give you an estimate of what your true interest rate would be for a subprime loan in your local area of Selma, California. The data used to give you an interest rate estimate is provided with answers from borrower surveys in your local area.

5.) Which dealerships in Selma, California approve subprime auto loans?

This page has a map (above) showing all dealerships that provide loans to Selma, California borrowers, and there is also a map showing subprime loans companies in, or near Selma.

6.) Will applying for a subprime auto loan on your website hurt my credit rating?

No. Applying for a subprime auto loan here at LSP will never hurt your credit rating. This is because we do not carry out a soft or hard pull of your credit history. However, some third-party lenders may do so. Always check each company website to find out if they are doing a history pull.

7.) Can I get approved for a subprime auto loan if I recently claimed personal bankruptcy?

In some cases, yes. If you have a steady income and a solid debt-to-income ratio, you may get approved for a subprime auto loan with either a nationwide lender, or a Selma, California-based dealership or lender.

8.) What will my monthly payments be?

You can estimate your monthly payments by using our payment schedule estimator here. The advantage of using our estimator is that it’s instant. Just use your estimated APR (interest rate) from step 7 above and this will give you a ballpark estimate of your monthly payments. Of course, your local Selma area dealership or subprime auto lender will give you their estimate. We recommend shopping around for the lowest possible rate.


March 27, 2023 weekly financial tip.

Don’t Beat Yourself Up

When you have a low credit rating it can get stressful. Some folks are in such bad shape they’re getting phone calls from bill collectors day and night. No matter what your financial situation is, don’t beat yourself up. Literally BILLIONS of people in history have been in deep financial trouble at some time of their lives. Take one day at a time, make a plan, set a budget, and you can slowly start to reclaim your life. We guarantee you there are MANY others living all around you in the Fresno County area dealing with the exact same problem.

If you find your stress and anxiety (caused by your finances) is starting to get really bad, please consider reaching out to your local Selma-based counselors for help. We’ve included a link (above) that will give you a list of all the counselors near Selma.

Coming in 2023

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