First Time Buyers
WEST MITSUBISHI'S FIRST TIME BUYER PROGRAM
West has several solutions for those that have no credit or buying a vehicle for the first time. Many buyers are able to get a BRAND NEW MITSUBISHI with a 10 year 100k miles limited warranty* at a payment they can afford.
To START the process complete the Finance Application below to get Pre-Approved or hit the contact button and one of the team members will contact you to make an appointment.
You are ALWAYS invited to come in person and begin the process in person!
WHY CHOOSE US
- Fast, easy application process
- Free service - No obligation
- Financing Regardless of Past Credit Issues
- Bankruptcy and bad credit approvals
- First Time Buyer Programs
- Competitive Loan Rates
- Same Day Loan Approvals
- Credit Union Partnership and Rates
- Factory Financing
- Top-Dollar for Trades
TESTIMONIALS
fast, easy, no obligation
I had a great experience at West Mitsubishi. Great customer service. They helped me with buying my first truck and couldn't be happier. Jorge Cortez was very friendly and helpful with any questions I had with buying my first truck. Overall West Mitsubishi is a great dealership if you're looking for a new vehicle. - Ivan
Excellent!!! I highly recommend West Mitsubishi in Orland. My Mom finally got her dream car! The whole car buying experience was one of the best! Everyone was so friendly and helpful! They give you snacks and water while you wait. They even filled the tank for my mom too! Victor and Ivan were great! And Victor showed her how to use all the digital components on the car. We will definitely recommend this car dealership and will tell all of our friends! - Carrie
I bought a 2014 Hyundai Sonata today from Jorge. He helped me get into the car I wanted. He worked with me because I didn't have the best of credit and he worked hard to get me into the car. i would highly recommend my family and friends to buy their future cars here. - Jose
My boyfriend and I are first time car buyers with little credit history. We went in with a smallish down and hopes we'd get what we liked with desired amenities. My mom bought a car through them with Alex and so I went and we looked at a few cars, some didn't fit, and then Alex brought us to a beautiful Mitsubishi Eclipse. It was what we had wanted and was gorgeous! After going through the processes and having to run home/to the bank to get forgotten paperwork, we were let down to find it would be too expensive for us to pay for. My boyfriend and I were let down as we tried a cheaper car. We went back to seal the deal when Alex came out and told us that the finance department (and most likely her help too!) managed to get the payments down, with a bit higher of a down but very flexible if I had needed time to pay it off, and a great discount. Paperwork ensued and we were ecstatic! A brand new car for a first time buyer is amazing! Alex was very thorough, answered all silly, off-topic questions, treated us like old friends, and was patient with us even though we were very underprepared. She explained how our car worked with the new technology before we left, and even helped us get a better insurance plan for cheaper than I had before! I 100% recommend West Mitsubishi (especially Alex) if you're needing to buy a car. - Ty
I just purchased my first car and the service that Laura provided was amazing! Laura helped me get the best deal and the process was smooth. She was able to be flexible with my family and I’s schedule and helped me get the car we wanted. Thank you so much Laura for helping me get my brand new car. I’m definitely going to recommend my family and friends Laura and West Mitsubishi! - Nancy
BAD CREDIT
Great service!!! We came here with low expectations due to our bad credit and they worked with us to get us a great dean on the truck we wanted! 100% recommend this place ! Asked for Jorge, he is the best! Many thanks!!! - Karla
Jessica was awesome, got me into a car even after being turned down for bad credit 20 min before that at another dealership. - Steven
The all new West Mitsubishi is the only place to go! I just purchased a 2017 Buick and I'm in love! All the sales peps are professional and friendly! This is my second vehicle that I have bought from them (formally R and R sales) . They make it very easy and painless! When everyone else said NO they said YES.... I struggle with poor/Bad credit and had gone to many dealerships in the north-state within 150 miles from Orland and they all said NO!!! This is the place to go if you want an honest Dealer!! I would hands down recommend West Mitsubishi to everyone!! - Tracen
I have bad credit and went to a few dealerships. The first salesman I met was extremely nice and helpful. Everyone I interacted with from the salespeople to the finance lady were very nice and helpful. They helped work out a down payment and payments that I was comfortable with. I didn't feel like they were just trying to get me in a car. It mattered that I was happy with the purchase. They included a 3month/3000 mile warranty just standard which is more than most dealers. They also are giving me my first oil change for free. I would definitely recommend this dealership to anyone looking to get a car. Especially with bad credit! - Jeana
Worked with my bad credit, and found something within my budget, after a lot of work. Jorge was amazing and I definitely recommend this place for anyone with no credit, or not so good credit. Yes they can!!!! - Joseph
Worked hard to get me approved with my bad credit. Very kind and patient with my child, very friendly, well kept and great workers. - Britt
I came in with bad credit expecting them to say "no we can't" but I was proved wrong. Yes they can. - Peter
FIRST TIME BUYER
Very pleased with Jorge. We walked in looking for a family car. And he tried his hardest to get us approved and in a 2014 Chrysler first time buyer. Very pleased and will return to buy a truck here in the next year. - Troy
kLiz was fantastic!!! Super patient, very knowledgeable and funny! Made the whole process a lot less stressful for this first time buyer. Super happy!! - Veronika
As a first time buyer, my experience with West Mitsubishi was a pleasant one. From online, to over the phone service, to my in-office visit, and through the final point of sale, the associates were very helpful and professional. They did everything they could to accommodate my needs and tended to me patiently for hours. Luis Navarro was friendly through this experience, explained paperwork thoroughly, and hooked up a full tank of gas. Gabe was also helpful.
Overall, I was nervous when I first walked into the Chico lot, but the staff made it pain free for me to drive out of their Orland lot with my new car! I'm a very satisfied customer - Petrina
Had a great experience here. First time buy with okay credit, they got me approved and in a new vehicle within a few hours. They even drove out to get me so I could drive it home. Franco was really helpful and explained the paperwork thoroughly but briefly. Very friendly and easy to work with. Highly recommend this place for first time buyers or anyone really. They have a good selection of vehicles and the financing options are extremely flexible. - Matthew
Had a great time with Jessica. Very friendly and personal some would say a ray of sunshine. Helped with every question we had and even some questions we didn't know we would have. Being first time buyers the experience with Laura and Jessica was awesome.. Even gave me a free tank of gas to go home with. Thank you girls for everything. If you ever need a new ride just come here and they will help you with anything. - JonDavid
Great service! Had an amazing experience being a first time buyer. Manny was very helpful and friendly. He was patient and understanding, he knew what I wanted. I am very happy with my new car. - Lizbeth
I’m a first time buyer and they found me a great car with a good APR and low car payment. The salesman Danny Otiz came out to help me and did not push me to buy just anything. My credit wasn’t the best, but he continued to find different lenders with the better APR. Thank you to Danny Ortiz-Barajas for helping me with my first new car. I know where I will be coming back to buy my next vehicle in the future. - Chris
Just got my new car from here! I'm a first time buyer and my experience here was great! They worked with me on every aspect of the deal and worked with me on finding the right car! The employees here are kind and friendly. Special thank you to George, Danny and Alex for all your help and your patients with us! - Patricia
After car shopping for some time and having been at another car lot earlier in the day, coming to R&R sales was super nice, they listened to what I wanted and didn't try to push something on me that I really didn't want like I just had the experience of going through. Baldo was the one to help me with getting the car that I have been looking at, he asked what I was looking for as far as a payment, I went in there Sunday around 4 knowing that we wouldn't be able to get too much done that night but he made sure that Monday morning I would have my answers on the loan, he made the whole process super easy for me which was nice being a first time buyer. They even let me take the car to my own mechanic to have it looked over. They made the whole experience very nice for me and didn't push me into anything that I didn't want. I highly recommend going to R&R if you are looking for an easy car buying experience and friendly staff that actually cares about what you want to drive and not worried about getting a sale.Thank you so much for R & R sales for helping me get into the car I wanted!!!! - Kimber
Really recommend going to Jorge Cortez about the first time buyer program. Jorge was able to get my girlfriend, Andrea Soltero, a really awesome deal on a 2016 hyundai with low miles😀. Best in orland forsure👍, low APR and low monthly payments. I am really satisfied with west mitsubishi here in orland california. - Santos
had a great experience with R&R sales. J'Jae was great and welcoming and very informative about the car I was being approved for. I would definitely recommend anyone who is a first time buyer or even just looking to get a new car to come here to R&R sales here in chico. - Jesse
Had a great first buyer experience from beginning to end the salesman Luis Navarro was helpful and great at explaining everything . I was approved and proudly purchased a car . I would recommend R & R sales to anyone. Ask for Luis, he's the man! - Yovani
FAQ
Yes! We work with people of all credit backgrounds. Bad credit, no credit, divorce, and even bankruptcy doesn’t stop you from being prequalified for an auto loan. West Mitsubishi has great relationships with reputable subprime auto loan lenders nationwide.
The first step in the process is completing our pre-qualification application. After you click submit, one of our credit experts will give you a call (usually within 5 minutes) to review and verify your information. During the conversation we will ask about your new vehicle preference and what trade (if any) you have. Once the pre-qualification process is complete, we will give you an indication of the top level amount you’re qualified for and will set up an appointment with one of our experienced credit experts.
No. We have prequalification options for individuals who don’t have a down payment or a trade.
Since we have new and used vehicles the choices are almost endless. Cars, trucks, vans, SUVs. All makes and models. New and late model used vehicles.
While there is a minimum score that is needed in order to purchase a vehicle, the requirement varies amongst different lenders. FICO scores can range from between 300 to 850, with the a lower number signifying a lesser score. Not everyone is able to attain “perfect” credit status, however. Having a lower credit score can make finding a new car more difficult.
If you have a lower credit score some lenders will require you have a co-borrower on the loan, however this isn’t always the case. West Mitsubishi works with specific subprime auto loan options tailored to people with less than perfect credit. Just because your credit score is below 600 doesn’t mean we can’t get you into a new vehicle.
It is important to know that there are some specific requirements for getting a subprime auto loan. These requirements include:
- At least $1,200 of monthly pre-tax income and proof of that income (paystub).
- If you’re employed, it’s best to have about 6 months working your current job. Additionally, 3 years total employment history is ideal.
- Proof of residency (utility or tax bill showing the address listed on your application).
- Personal references complete with names, addresses, and phone numbers.
The lender will ultimately determine how much you may borrow. The three biggest factors that subprime auto lenders take into account when determining a total amount financeable are:
- Credit Score
- Income
- Debt to Income Ratio
- The only way to learn exactly how much you can get approved for is to apply
It can! A car loan has the potential to help – or hurt – one’s credit. Auto loans provide a new opportunity to show lenders your ability to consistently make payments in full and on time, which can boost your credit score. On the flip side, falling behind on a new auto loan can take a bite out of your credit score. Another consideration is that lenders like to look at the total amount of your monthly bills. If your new auto loan payment is less that your old loan payment, you might see a boost in your credit score. Similarly, if your new auto loan payment is larger than your old loan payment, your credit score might take a hit.
Your credit scores are generally based on information in your credit reports. This information is reported by your creditors to credit reporting companies. The three biggest are Equifax, Experian and TransUnion.
You can have more than one score, because:
- Finance companies and banks use different scores for different products.
- There are many different credit scoring formulas.
- Information can come from different credit reporting sources.
Improving your score is dependent on your personal financial situation. Some general tips that work for most include:
- Pay your bills on time, every time.
- Don't get close to your credit limit.
- Establishing a long credit history will help your score.
- Be careful closing accounts.
- Only apply for loans and credit you need.
Do yourself a favor and make a budget for your first car purchase. Giving yourself some realistic guardrails will help make car ownership easier on your wallet! Most financial institutions recommend budgeting no more than 15 percent of your gross (before taxes are taken out) monthly income on a monthly car payment. Don’t forget about insurance. We’ve got you covered there too! When you visit the dealership, ask about our Vehicle Insurance Referral Program.
West has several solutions for those that have no credit or buying a vehicle for the first time. Many buyers are able to get a BRAND NEW MITSUBISHI with a 10 year 100k miles limited warranty* at a payment they can afford.
To START the process complete the Finance Application below to get Pre-Approved or hit the contact button and one of the team members will contact you to make an appointment.
Contact Us
By providing your contact information and signing below, the primary and secondary buyer(s) give permission to West Mitsubishi to enroll them in their VIP Program. Buyer(s) agree to receive automated informational and marketing text, emails and phone calls from auto dealer or assigns. Message and data rates may apply. Buyer(s) should average 3 texts per month. Reply “end” to any text to discontinue receiving text messages. We have made every reasonable effort to ensure the accuracy of the information contained within our website. However, we cannot guarantee that the site does not contain errors. Prices do not include government fees and taxes, any finance charges, any dealer document processing charge, any electronic filing charge and any emission testing charge. Vehicles are subject to prior sale. Not responsible for typographical errors.
* All coverage terms are from the original in-service dates and are applicable only to the original owner of new, retailed models purchased from an authorized Mitsubishi dealer. Subsequent owners receive the balance of the New Vehicle Limited Warranty of 5 years/60,000 miles. See retailer for limited warranty and roadside assistance terms and conditions.