Auto Depot

Bad Credit Car Loans in Merced, CA

Bad Credit Car Loans in Merced, CA


Dealership Information

Have you been turned down by other dealerships because your FICO® number is lower than their requirements? When you find a place that does accept your score, are the rates they give you just unbelievably expensive? If you’ve had any of this happen to you, there’s no need to search any longer for a reliable lending connection. We’re happy to provide one here at Auto Depot, no matter what your credit score looks like. Visit us as soon as today!

We know how hard it is to build credit, whether you have never started or you have dug yourself into a pit. One of the best ways to get your score back up is simply to get back up and try again by making your monthly payments on time, every time. The problem is, some dealerships might not want someone with an unreliable credit history to take home one of their vehicles, so they hike up the rates to make it worth their while. Unfortunately for you, this is often an unaffordable method of vehicle ownership. When you work with one of our representatives in our Finance Department, they’ll set you up with an inexpensive payment rate that fits right into your budget by finding you a loan through one of our banking connections. Regardless of how your credit history looks, we will treat every customer the same and give you that second chance that you deserve.

When we work with you one-on-one, we will first calculate your budget and monthly rate, and then plug those numbers into our pre-approval form to secure you a loan. The Finance Application comes next, and then you’re done! But this is all assuming you’ve already picked out your car, which you can always do ahead of time by browsing our online inventory. Using the filters on the left side of this page, select the features you want included in your next ride. Then refine your search for a narrower list of vehicles that are ideal according to your needs and choose the one that best fits your lifestyle and budget. You can see everything that the car has to offer, view interior and exterior photos, and even scan through its green score, crash test ratings, and awards. All that’s left to do is schedule a test drive!

If you are having trouble securing bad credit car loans in Merced, CA, we have a solution for you here at Auto Depot. Our financial representatives will gladly aid in setting you up with an affordable payment plan, regardless of your credit history. No matter what you require to bring home a used car today, we are happy to help, since we proudly serve all of our customers with the same amount of attention and assistance. Give us a call at 877-702-2255 to schedule an appointment during our business hours.

Complete the Finance Application to Secure a Loan!

Sales Hours

Monday 9:00 am - 7:00 pm
Tuesday 9:00 am - 7:00 pm
Wednesday 9:00 am - 7:00 pm
Thursday 9:00 am - 7:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 7:00 pm
Sunday 10:00 am - 6:00 pm

Contact Information


Stephanie Wood-Jimenez
December 10, 2017

Jeff was amazing he help us and was so knowledgeable. He made the car buying process a piece of cake. Love Auto Depot

Ashli Kakasenko
December 10, 2017

Jeff was fantastic! Took less than two hours to find the exact car we've been looking for, sign all the paperwork for it, and drive it home! Their cars are clean, and run well! They also work with you for financing! Thanks again!

Suzzy Ornelas
December 1, 2017

I got the car I ever wanted , he’s amazing , intelligent, and hard working !!! Best person to hook it up with anything even help you!! And this person is Sam, thanks so much I appreciate your help and patience can’t wait to buy another one off you! I’m so happy

Panchita Chavez
November 22, 2017

Very fast, sweet, and honest people. Thank you Jeff and Manny. Out of all the car dealers I went to they were the only ones that actually helped my husband and I. Will totally recommend this place to mu friends anf co-workers.


November 15, 2017


Borna Binesh
November 11, 2017
Karin Kirkendall
November 7, 2017

They are taking every avenue to work with me.

Martina Ramirez
November 6, 2017

They helped me choose a great car! Would definitely recommend friends & family!

Kyle Stowers
November 2, 2017

Sold my wife a car today.....they were eager to satisfy the customers automotive needs & made sure my wife left driving something not just sporty but reliable.....thanks especially to Sam

October 29, 2017

Got a generic email, it took about 1 day. Decided to drive to the dealer being local and all. It was worth the drive... we bought a different vehicle and it felt like we got a good deal. Very patient, friendly, knew their stuff and Sam did all he could to sell us the car we want it. They have a warranty on your purchase which makes you feel valued and protected customer. Will recommend this place to friends and family. Thanks again for the experience.

Roxy Verduzco
October 29, 2017

Very good custom service. Very reasonable. Sam abd jeff helped me alot thank for your hard work

Damian Michael Reyes
October 13, 2017

Whole process was simple, they met all my financial needs. Great sense of humor and very friendly which made everything so simple! I’ll most definitely recommend to family and friends.

Fidel Rodriguez
October 12, 2017
alice koller
October 11, 2017

Quality before quantity.......these people are awesome...loved Phil our salesperson definitely goes.above and next vehicle will be bought from them


October 10, 2017

Whole process was simple, they met all my financial needs. Great sense of humor which made everything so much more simple. Would definitely recommend my friends and family to come buy a car here. :)

Rose Mejia
October 6, 2017

Wat i like about auto depot is they work with u n very friendly

October 3, 2017

Manny ,Jeff, headdy are the best. My son bought his first car from here with a great deal. My friend and his mother bought there cars from here and now my wife and i came with no money down. No trade -in and can you believe they put us in a beautiful 2015 suv. There is no better used car dealer in the valley that can compare to these awesome guys. Thank you team we will be back.

Crystal Soriano
October 2, 2017

It was great, jeff was amazing helped out a lot and in no time at all we were out of there with brand new car thank you Jeff

Latisha Alhark-romby
September 21, 2017

Auto Depot employees are super cool...Manny and Jeff are AWESOME...they provided me with fast and friendly service...would highly recommend this place to anyone...

September 11, 2017

They have been very informative and professional

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