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!
Why Finance With S&R Motors?
- 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