New & Used Auto Loans

Want a shiny, new automobile? Perhaps you need to upgrade your current vehicle, surprise a loved-one, or you’re patiently shopping to find a new or used vehicle that perfectly fits your budget and lifestyle.

First Californian doesn’t just finance your upcoming auto purchases, we can also will refinance your current auto loan. Whether your auto loan is already with First Californian or you bring your current auto loan to us, take advantage of lower rates, lower your monthly payment, and save big!

New or used, car, truck or SUV, we have the financing for you:

  • Rates as low as 4.24%
  • Terms up to 84 months
  • Get pre-approved before you shop for a automobile
  • Skip your auto payments for up to 60 days**
  • Lower your payments
  • Payoff your loan quicker with no prepayment penalties

All Credit Types Accepted

First Californian prides itself on approving members of all credit types. We will help lower your payments despite bad credit.

Apply Online for a New or Used Auto Loan

The First Californian application takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one of our knowledgeable loan officers with instructions.

Click Here for loan options, rates, and disclosures.

Apply Now!

Contact us for additional information, to schedule an appointment, or to begin an application.

  • Contact us at 951.755.5572 or toll free 877.992.8663, Monday – Friday, 9 am – 5 pm
  • Visit any of our convenient branches
  • Email us at

*On Approved Credit.

**First Car Payment: Because the first monthly payment on your new auto loan will be due up to 30 days after the closing date, and the closing date will be 0 to 30 days after the most recent monthly due date of your existing loan, you will not have a scheduled monthly payment due for 30 to 60 days after the most recent monthly due date of your existing loan. The actual number of days you will not have a scheduled monthly payment due will vary depending on the terms of your existing loan, your payments on the existing loan, and applicable state law. Interest will accrue on your existing loan until it is paid in full. Interest will accrue on your new loan beginning on the date the loan is funded.

All of our auto loans are simple interest loans, which means your interest rate will never change. Also, there are never any prepayment penalties, so you are free to pay off your loan quicker than originally scheduled.

Click here for Auto Loan FAQs

Have questions about Auto Loans?

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