ORANGE COUNTY AUTO WHOLESALE in Irvine, CA
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About UsWelcome to ORANGE COUNTY AUTO WHOLESALE
Over 21 years at this location, Orange County Auto Wholesale is proud to be the home of the 59 minute or less total car buying experience! Rated the #1 pre owned luxury auto dealer in Orange County, you deal with the owner, Tim directly for a seamless buying experience.
We take pride also in excluding any surprise additions to the sales price of our vehicles other than governmental taxes and registration fees. Shop in a luxurious indoor showroom that is comfortable and relaxed.
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Car FinderFrequently Asked Questions
Your Questions, Answered in Style
How does financing a vehicle work?Most of our customers rely on us, the dealer, to secure the financing for their auto loan. We work in conjunction with over 40 different banks and credit unions to secure the best terms and rates available for our customers. However, the dealer does not determine your terms - only the lender can do that. They provide us with a number of different options so that you may choose what best fits your budget.
There are multiple factors that determine the rate at which your vehicle gets financed. Most customers think that your credit score is the highest influencer of rate, which is only partially correct. A lender will look at many factors that affect your credit score. They look at things such as: down payment, length of financing term, job time, income, time at residence, previous auto loan history, open (still paying) auto loans, debt to income ratio, etc. We would be happy to discuss these things in more detail at your convenience.
The simple answer is yes. Some of our customers choose to use the lender of their choice and secure their own loan before the purchase. As a commission-free store, it makes no difference to us how you choose to pay for your vehicle. There are times that we are able to negotiate better terms simply because we have lenders that are not available to the general public and only work with dealerships. If we secure the loan on your behalf, the lender may choose to call you to verify the terms of the agreement.
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