Apply online for a car loan and auto financing at H&A Auto Sales – used car dealership in Ontario, California. Buy used cars for sale from Honda, Toyota, Dodge, Ford, Chevrolet, and more for a great price. Own the car of your dreams whether you have good credit, bad credit, low credit, or no credit. With relationships with multiple lenders, we are bound to get you approved!
H&A Auto Sales | Ontario, California
At H&A Auto Sales, we understand that every customer’s financial situation is unique. That’s why we offer flexible financing solutions tailored for a wide range of buyers — from those with excellent credit to individuals with limited income or challenged credit history. Our goal is to make the vehicle buying process simple, transparent, and accessible.
We specialize in financing for:
Good credit buyers
Bad credit or no credit history
Low income or first-time buyers
Spanish-speaking customers
Trade-in buyers
Whether you’re looking for a dependable hatchback, a family-friendly RV, a luxury upgrade, or a sporty convertible, our finance team is here to help you drive away in the right vehicle — at the right payment.
H&A Auto Sales offers a variety of financing programs through a trusted network of lenders, including:
Bad credit and no credit financing
Prime credit lending options
Low down payment programs
Credit union financing
Trade-in equity toward down payment
We believe that your past credit history should not prevent you from owning a reliable vehicle. Our team works hard to get you the best terms available, regardless of your credit profile.
Applying for financing with H&A Auto Sales is fast, secure, and hassle-free. Our online application allows you to start the approval process from the comfort of your home — with no obligation.
How it works:
Complete the secure online application with your basic personal and financial information.
Our finance department will review your application and contact you with available financing options.
Once approved, you can select a vehicle from our inventory and schedule a test drive — either in-person or virtually.
Bring in your documents, sign the paperwork, and drive away in your next vehicle.
To help speed up the approval process, please have the following information available:
Valid driver’s license
Proof of income (recent pay stubs, bank statements, or benefits letter)
Proof of residence (utility bill or lease agreement)
Vehicle insurance information (if available)
Trade-in vehicle details (if applicable)
We are committed to providing a professional, respectful, and personalized experience for every customer. Whether you’re buying your first vehicle or upgrading to a luxury model, we are here to guide you through every step of the financing process.
Start your financing journey today and let H&A Auto Sales help you find the right vehicle at a payment that works for you.
Yes. H&A Auto Sales offers a secure online auto financing application that you can complete from anywhere, anytime. Applying online is fast, confidential, and has no obligation to buy.
Submitting an application allows our finance team to review your options. Any credit inquiry will be discussed with you, and we work to minimize unnecessary impacts on your credit.
Absolutely. We specialize in helping customers with bad credit, no credit, or limited credit history. Our network of lenders offers programs designed to help buyers in a wide range of financial situations.
Yes. We work with lenders who consider more than just income alone. Many low-income and first-time buyers are approved every day at H&A Auto Sales.
To speed up the process, please have:
A valid driver’s license
Proof of income
Proof of residence
Insurance information (if available)
Trade-in details (if applicable)
Our team will guide you if anything else is needed.
Down payment requirements vary based on credit history and lender approval. We offer low down payment options, and trade-in equity can often be applied toward your down payment.
Yes. If you have a vehicle to trade in, its value can be used toward your down payment or financing terms.
No. Applying for financing does not require you to purchase a vehicle. It simply helps you understand your options before selecting the right vehicle.
Yes. H&A Auto Sales proudly assists Spanish-speaking customers and strives to make the financing process clear and comfortable for everyone.
We offer financing for a wide range of vehicles, including:
Hatchbacks and sedans
SUVs and RVs
Luxury vehicles
Convertibles and sporty models
Availability depends on inventory and lender approval.
Many applications are reviewed quickly, often the same day. Once approved, you can choose a vehicle and move forward with confidence.
