Redefining Auto Finance in Bakersfield, CA
About
Certified Financial is here to redefine automotive financing. We offer tailored customer support and loan servicing programs to our affiliated dealerships, backed by deep experience and expertise in the auto industry. With Certified Financial, you’ll enjoy a vehicle ownership experience that’s second to none. Our skilled auto loan specialists are ready to help you find a financing plan that aligns with your budget and goals.
We provide tools to make your car purchase and ownership seamless. With our easy online payment options—whether using a debit card or eCheck—managing your loan is convenient. Plus, you can access your loan account online to review your history, update personal information, and stay connected, whether you’re moving, switching phones, or starting a new job. Our affiliated dealerships adhere to Certified Financial’s standards for vehicle reconditioning, ensuring you drive away in a high-quality vehicle. And with our ongoing maintenance program, your vehicle will always be ready for the road ahead.
When you finance your next vehicle through a Certified Financial dealership, you’re not just getting a loan—you’re gaining a partner dedicated to making your journey smooth and enjoyable. We’re here to help you have a fulfilling and successful ownership experience. Reach out to us anytime at info@certifiedfinancial.com.
What
We
Offer
Financial Advisory
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Audit & Assurance
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Tax
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Fraud prevention
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Savings solutions
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FAQs
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What should I bring when visiting the dealership?Having your documents ready will help streamline the process. If you’re visiting a Certified Financial-affiliated dealership to apply for an auto loan, be sure to bring the following items to ensure a quicker application experience: A current driver’s license Documentation verifying your income (e.g., recent pay stubs, Social Security or pension records) Proof of insurance (liability coverage) Proof of address (recent utility bill, lease agreement, or mortgage statement) Personal references (provide names, addresses, emails, and phone numbers for at least five individuals)
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Is it possible to trade in my current car?Yes, we accept trade-ins, even if there’s an outstanding loan. Keep in mind that the amount you owe on your trade-in may impact the payment amount for your new vehicle. To potentially lower your payments, you might consider paying off your existing loan before trading in your car.
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What is the required down payment?The required down payment varies based on several factors and is tailored to fit your financial situation. We aim to make the financing process as straightforward and accessible as possible. Since each customer’s needs are unique, we encourage you to reach out so we can discuss a solution that works best for you.
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How soon will I know if my application is approved?We will provide you with an offer after a face-to-face meeting. This personal interaction helps us understand your specific needs and enables us to make the most informed credit decision. During the meeting, you’ll have the opportunity to ask questions about the financing options available and explore the vehicles suited to your preferences.
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What should I do after submitting the application?After submitting your application, a loan specialist from Certified Financial will reach out to schedule an appointment for reviewing your application. You will be asked to bring certain documents to help ensure the best credit decision. Following the interview, we will present you with an offer, and from there, you can select your vehicle.
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Is it possible to get financing for a car from a private party?Certified Financial does not offer financing for private party vehicle purchases. Only vehicles that meet specific condition standards qualify for financing through Certified Financial, and most private party vehicles do not meet those criteria.
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Are there penalties for prepaying my loan?No, you can pay off part or all of your loan at any time without facing penalties. Any additional payments made beyond your regular payment amount are typically applied to reduce the principal balance of the loan.
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What factors are considered when reviewing a car loan application?When reviewing your application, we focus on your ability to repay the loan, with a stable income being essential. We also consider factors such as your length of residence in the area, household budget, and any other vehicles you own. While your past is important, we are more concerned with your future potential, recognizing that setbacks can happen to anyone.
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What types of vehicles are available?We offer a diverse range of vehicles, including sedans, SUVs, trucks, wagons, and vans. The specific selection may vary based on inventory at our dealer affiliates, but you’ll be presented with options you qualify to purchase. We’re confident that one will be a perfect match for you.
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Can I apply for a car loan if I have bad credit, no credit, or bankruptcy?Yes, you can apply for vehicle financing regardless of your credit history, with no obligation or cost. While Certified Financial specializes in financing for a variety of credit profiles, most applicants who have a stable income and meet other criteria will likely qualify. The application process is necessary to determine eligibility.
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How secure is my personal information?We prioritize the protection of your personal information. Sensitive data submitted through our website is encrypted for secure transmission. Access to your data is strictly limited to authorized personnel involved in evaluating your application, ensuring your information remains confidential.
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What interest rates can I expect?Interest rates vary based on factors such as your income, credit history, the vehicle type, loan amount, term length, and more. Our team of finance specialists works with you to secure the most competitive rate possible, even for those with less-than-perfect credit.
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How long does the application process take?Once we receive your application, a member of our team will contact you to discuss your needs and review the details. The approval process typically takes anywhere from just a few minutes to a few hours, depending on your situation. We’re committed to providing the best possible financing option for you.
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Is there a cost to apply for a car loan?There is no cost to apply for financing through Certified Financial. You are not obligated to purchase a vehicle if you are offered financing.
Contact Us
Address
2001 Oak St.
Bakersfield, CA 93301
Business Hours
Monday-Friday 8am - 5pm
Phone
661-328-3671