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Special Financing

Challenged Credit?

Start by completing our free online credit application. Once submitted, the S&R Motors finance team will create a personalized loan package just for you

Challenged Credit? S&R Motors Can Help!

Rebuilding your credit? First-time buyer? Credit score under 600? We can help! Our programs make it easy to get into a car and rebuild your credit. At S&R Motors, we aim for 100% approval and welcome everyone, including ITIN holders—no SSN needed!

Second Chance Auto Loans in S&R Motors, CA

Bad credit? No problem! Our second chance auto loans help those with credit challenges get financing. Even with little or no credit, we can help you secure a loan. Explore our affordable used cars and certified pre-owned inventory. Found something you like? Apply online or give us a call with any questions!

Get a Car Loan with an ITIN in Northern CA

No SSN? No problem! We accept ITINs for auto financing. Many of our lenders work with ITIN holders to help them own a car. Just fill out our online credit application to get started. Browse our inventory online and visit us for a test drive!

We Can Help! – No Matter Your Credit Situation

Credit Challenges

Compromised credit
Illness
Childbirth
Student loans
Bad credit history
No credit history
Multiple open auto loans
Multiple repossessions

Income & Employment Factors

Unemployment income
Self-employed income
Temporary income
Short time on job

Financial & Buying Situations

Bankruptcy Chapter 7
Bankruptcy Chapter 13
First-time buyers
Need second vehicle, no
trade-in
No driver’s license

Why Finance With S&R Motors?

Our Financial Services Include:

Competitive rates direct from the manufacturer and local
California banks
Quick approvals
Value-added services to protect your vehicle investment
Extended warranty programs
Financing with ITIN
And many more finance programs to fit your needs

Need More Information?

Call: (510) 244-7184

Advertised prices exclude taxes, title, license, government fees, dealer fees, emissions testing, financing charges, and dealer-installed accessories. Market value adjustments may apply to certain vehicles. All vehicles are subject to prior sale, and financing depends on buyer qualification and lender approval. Prices, specifications, and availability may change without notice. See dealer for details.

Come Visit

22101 Mission Blvd, Hayward, CA 94541

(510) 244-7184

Service Hours

Monday09:30 AM - 06:00 PM

Tuesday09:30 AM - 06:00 PM

Wednesday09:30 AM - 06:00 PM

Thursday09:30 AM - 06:00 PM

Friday09:30 AM - 06:00 PM

Saturday09:30 AM - 06:00 PM

SundayClosed -

Sales Hours

Monday09:30 AM - 07:00 PM

Tuesday09:30 AM - 07:00 PM

Wednesday09:30 AM - 07:00 PM

Thursday09:30 AM - 07:00 PM

Friday09:30 AM - 07:00 PM

Saturday09:30 AM - 07:00 PM

Sunday09:30 AM - 07:00 PM