Finance Your Car


Get Pre-Approved in Just A Couple Minutes*

Quick • Easy • Confidential

At McCarthy’s, we make financing as stress-free and transparent as possible. Enter your information below and we’ll get back to you shortly! You can also call us directly with any questions or apply for credit over the phone if you prefer. There’s no obligation, and we’ll work to find you financing that fits your budget, no matter what your credit situation.

Looking for Used Car Financing?

McCarthy’s is here to get you into the driver’s seat with low car payments you can afford. Our finance specialists are committed to helping you secure a car loan in San Luis Obispo. No matter what your current credit is, stop by or call to speak with our friendly McCarthy’s Team.

We can help drivers with no credit to build their credit history. We’re experts in securing auto loans for all types of customers!

We understand that unfortunate things happen to good people, and we want to help you repair your credit!

We’ve built relationships with lenders to provide you the best options, lowest rates, and overall peace of mind.

Years of experience in the business have helped us develop relationships that we utilize for your benefit. Such as the relationships we’ve developed with our lenders to ensure you the best rate. Apply now with our 100% secure credit app and start your nicer, newer car journey today.

Estimated Payment Calculator

Loan Amount
Estimated Payment *
Credit Score
619-Below 10.4% APR
620-659 6.3% APR
660-699 4.8% APR
700-739 4.1% APR
740+ 3.9% APR
Payment Terms
24 mo
36 mo
48 mo
60 mo
72 mo
Interest Rates and credit scores listed based on Experian: State of the Automotive Finance Market Q2 2020. Values are illustrative estimates only and may not be available. All payments and prices exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. Some extended terms not available for cars older than 2013 of if the amount financing is less than $12000.  Mileage could effect term and rate. All financing on approved credit. See dealer for details or submit a credit application to start the pre-approval process.
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