Santa Cruz Toyota Auto Acceptance

SC Toyota Auto Acceptance Logo 

What we can help with:

Santa Cruz Toyota Auto Acceptance is here to help you rebuild your credit and get you into a new reliable vehicle near Santa Cruz. Whether you’re in Santa Clara, Watsonville, Monterey, or San Benito we can help you restart your credit. We can help you no matter your circumstances:

  • Multiple open autos on bureau
  • Multiple repossessionsPush to Restart Your Credit
  • First-Time buyers
  • Self-Employed
  • Cash Income
  • Temporarily Employed
  • Unemployment Income
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Defaulted Child Support
  • ITIN
  • Liens

Looking to buy with your ITIN?

Our ITIN loans offer an array of flexible options with competitive rates.

¿Está tratando de comprar un automóvil con su ITIN?

Nuestros préstamos ITIN ofrecen una variedad opciones flexibles con tasas competitivas.

Why Santa Cruz Toyota Auto Acceptance vs. Buy Here, Pay Here?

Why shop at buy here, pay here car lots when you can get a first class sales experience at Santa Cruz Toyota Auto Acceptance.   

By partnering with SAA, we are able to offer 100% Guaranteed Approval.

  • No payments on approved loans for up to 45 days. 
  • We have 100’s of vehicles to choose from and they’re all set at market based pricing.  
  • Our credit analysts have been in the car business helping customers for 25 years. 
  • We send our lenders tons of business, let us leverage our size and get you the lowest rate in town. 

Our finance department staff is committed to getting all of our customers with low credit scores into a used car with our trouble-free financing process. We offer sub-prime auto loans because we in second-chance financing understand that anyone can get behind on paying bills or can experience a financial setback that leads to a poor credit rating.  Allow our credit analysts to get you back on track to a great credit rating.  

We will get you financed.  Set up an appointment or drop by our dealership and speak with one of our credit analyst’s to help so they can help you get into a vehicle you love and a vehicle you can afford. 

Get Approved for Auto Loans for Bad Credit

Do not wait for your Bankruptcy to discharge, WE WILL GET YOU FINANCED! Set up an appointment or drop by our dealership any time to speak with one of our finance experts who will help you get approved and get on the right path to rebuilding your credit. Apply for financing, and let’s help you get back on track.

Get the Special Financing You Need Today!

Apply Today to get started on rebuilding your credit. Get a new or used vehicle that you’ll love to drive around Santa Cruz without feeling overwhelmed when you finance with Santa Cruz Toyota.