Special Direct Sales
Special Direct Sales
Special Direct Sales is supported by an extensive team of full-time dedicated professionals. They coordinate and manage the entire process - including acquisition, reconditioning, marketing, sales, financing, service, parts and customer relations. Supporting both individuals and commercial clients, the team embraces the importance of consistency and standardized processes yet maintain the flexibility needed to meet individualized needs.
Our Promise Pledge
We're proud to make the following pledge to you. It's something we call the
"I had a wonderful first time car buying experience. The staff made me feel comfortable with my purchase!"
Sara S. | Google Review
At Roseville Toyota, we ensure the purchase experience is as simple and easy as possible. We do that by offering a great deal without you having to worry about a lengthy negotiation process.
YOU CONTROL A TRANSPARENT PROCESS
When you have questions, we'll provide clear, complete, and uncomplicated answers. You'll feel confident in your decision when the information provided is shared openly and honestly.
YOU'LL NEVER BE PRESSURED
A car purchase undoubtedly takes careful consideration. Our team is focused on helping you find the vehicle you want at a speed comfortable for you.
YOU THE CUSTOMER MATTER MOST
From greeting you with a warm smile when you first enter our showroom, to diligently following-up with any needs you have post-purchase, everyone here has a sincere desire to please.
YOU'RE GUARANTEED A GREAT DEAL
Say good-bye to long back-and-forth negotiations. We guarantee to always present you with highly competitive pricing and a great deal right away.
Roseville Toyotahas a massive vehicle selection to choose from. You're guaranteed to find the exact car you've always wanted at a deal you never thought possible.
How is My Credit Score Calculated SCORES
Payment history is the biggest factor for your credit score.
Payment history determines approximately 35% of your total credit score. Credit cards, auto loans, and mortgages are common obligations that will be monitored on your credit and tend to report every month. If you are late once on one of these bills it will likely have less of an effect than if you are late several times or on several different accounts.
Your open balances determine approximately 30% of your total score.
It’s not that you owe a lot of money or just a little money, it’s how much of your available balance you are using. If you have a $10,000 credit limit, and you have accrued a $1000 balance, you are only using 10% of your available credit line. However, if you have a $1,500 credit limit and you are using $750, you have already used half of your available balance and this can decrease your score.
Length of credit history contributes about 15% of your credit score.
If you have had established credit for ten years, your likely hood of paying on a new loan is much easier to determine and will, with good payment history, give you a higher credit score than if you have only had credit for a short time.
New credit impacts approximately 10% of your total credit score.
If you apply for credit every once in a while it will have much less of an impact than if you apply for credit less frequently. If you are going to apply for credit try to make all of your credit inquires within a short period of time and limit them to only a few. These inquires will look like you are just shopping for a good rate. For example, if you are trying to buy a car, it would be wise not to have ten different dealers run your credit, or even five different dealers over a month and a half. Try to keep this all in a short time frame(less than a month).
Finally, the types of credit also can affect your credit score.
Much like your retirement account, you should diversify your credit portfolio by having a mix of installment credit and revolving credit. A few credit cards that have a low percentage of their max available amount currently owed, an auto loan, and a mortgage that you can afford would be a great start.
Welcome To Roseville Toyota
At Roseville Toyota, we specialize in helping people obtain financing for quality transportation. Don't let the lack of a down payment, less than perfect credit or even a recent bankruptcy filing keep you from owning the quality new or late-model vehicle of your choice. At Roseville Toyota in Roseville, we have financing available for all types of credit situations, with payments that are designed to fit your budget. Come meet our auto finance experts in person at our dealership in Roseville, or call us directly to discuss your vehicle needs.
Why Shop With Roseville Toyota?
Huge
Selection
Easy
Financing
Free
Wi-Fi
Waiting
Area
Certified
Service
Local
Shuttle
"These people give the kind of service you only get at five star hotels. I can't believe how well we were treated here!"
- Gil H., Google Review
GET THE HELP YOU DESERVE WITH OUR
BANKRUPTCY EXPERTS
At Special Direct Sales, we understand that bad things can happen to good people. Contact us to review your needs and preferences, and we'll work hard to connect the loose ends for you. With a long history of helping people in our local community, we're anxious to help you, too!
You are invited to our special
"$0 Down" Sale
Limited Time Offer
0* Down Delivers
And no payments for 45 days.
* on approved credit
Automotive Bankruptcy Sale Event
THIS IS NOT A MISTAKE! Don't let the lack of a down payment, less than perfect credit or even a recent bankruptcy filing keep you from owning a quality new or late model vehicle of your choice. At Special Direct Sales in Roseville, we have financing available for all types of credit situations and payments that are designed to fit your budget.
Buying a new or late model vehicle of your choice has never been easier.
Even if you just recently filed for bankruptcy yesterday, WE CAN HELP!
- Call (916) 297-6790 and talk directly with or Finance Director. Or fill out our short online application and receive your approval the same day.
- Schedule your appointment to visit our office. Bring your current pay check stubs, driver's license, and proof of insurance.
- Select your vehicle from hundreds of new or late model cars, trucks, vans and SUVs in stock. Then complete the required paperwork and drive home in your new vehicle the same day.
Auto Financing After A Bankruptcy
One of the best ways to recover from bad credit after filing bankruptcy is to get a car loan and make the payments on time. A paid-as-agreed auto loan after bankruptcy will raise your low credit score and get you back into the credit world. If you are currently in the middle of a bankruptcy or recently discharged, it doesn't mean you can't get auto financing. If you meet the minimum requirements, don't wait any longer. Waiting will not help you rebuild your credit. Many dealers out there say they can help someone with bankruptcy, however, do not have the inventory or the lenders that will give you the best financing terms available. This could land you with huge interest rates, big monthly payments and especially a car you might not like. Don't get stuck with a bad auto loan. Let the professionals at CleanSlateAuto.com help you get the best financing possible. We work with over 25 specialized after bankruptcy lenders across the U.S., that are eager to earn your business and help you get back into the credit world.
Financing Requirements
To qualify for a bankruptcy financing program, applicants should meet the following basic approval requirements.
- Be currently employed. (Retirement, SSA-SSI, child support and self employed is ok with verification of income).
- Minimum gross monthly income of $1,500.
- Money down may be required.
- No repo in the last year unless part of a bankruptcy.
Type Of Bankruptcies
There are two types of personal bankruptcies: Chapter 7 and Chapter 13. A few years ago it was more common for people with bad credit to file a chapter 7 (total liquidation). With a chapter 7, all your debts are wiped clean and the process takes only a few months.
Since the new bankruptcy laws went into effect, fewer and fewer and fewer people are allowed to file chapter 7. More and more people are now filing chapter 13., which is a repayment plan that lasts between three and five years.
Get Approval from your Trustee For Open 13's
To get an auto loan in an open chapter 13 bankruptcy, you will have to do some work. There is no such thing as an instant approval or apply today Drive Today Auto Lending if you are in an open chapter 13. First you should check with your trustee or attorney and let them know that you want to buy and finance a car.
Every lender that approves people in open bankruptcies requires an Authorization to Incur Debt. This is a legal document obtained from the bankruptcy trustee. It states what your maximum allowable payment is and that the new loan will not be part of the open bankruptcy.
As long as the new car you plan on purchasing is within your budget, most trustees have no problem approving your request. We recommend that you obtain this document from the courts prior to shopping for your new car.
Apply Online
Our Program
Financing a car after or during a bankruptcy may seem hard because there are so many dealerships that will not work with someone that has a bankruptcy or even challenged credit. When someone with a lingering bankruptcy starts looking for car dealers that can help them out of their situation, they need to do some preparing for what is to come. Finding just any dealer is not what you want to do; you need to locate car dealerships that accept bankruptcies with the lenders to match and that has the inventory to meet your automotive needs. Look no futher, we are that dealer, and we have helped over a thousand plus satisfied customers find the cars of their dreams with the payments they can afford. When you are on the road to rebuilding and re-establishing your credit, don't get discouraged, just take your time and call us with any questions you may have. No pressure applied, we promise.
Welcome to CleanSlateAuto.com. Here you can get pre-approved online not matter what your credit situation. We believe in three simple steps to our program:
- Apply online.
- Make an appointment with one of our Custom Finance Specialist and provide the documents needed for the bank.
- Search our extensive pre-owned inventory of cars, trucks and SUV's of most makes and models.
Start driving the car of your dreams. At Special Direct Sales, you will have access to the best banks for your particular situation and you will leave with a payment that you can afford. That simple. Call us NOW and start driving today!
Apply Online
Bankruptcy Auto Financing F.A.Q.
Read our answers to some of the questions we are most commonly asked about getting a car loan while in a bankruptcy.
Can I get an auto loan while in an open chapter 13 bankruptcy?
Yes, however, it might require more work on your part and permission from the trustee.
Can I get auto financing during a chapter 7 bankruptcy?
Yes, you can get auto financing the day after you file, however, you must meet the lender guidelines.
How long do I have to wait after the bankruptcy is discharged before I can apply for auto financing?
No wait is needed. This is the best time to start re-establishing your credit.
Can a person who has had multiple bankruptcies still get a car loan?
Yes. Most people can qualify for auto financing as soon as their most recent bankruptcy is discharged.
How much money down will I need?
When buying a car after bankruptcy, it is recommended that you have some money down. There are no- money-down auto loan programs, but usually $500 to $1000 will help you get more favorable terms.
Will I qualify for auto financing if I still have the financed vehicle in my possession or in the process of having the bank pick it up?
Yes. Most bankruptcy auto loan lenders will approve your new loan as long as the deficiency balance was included in the BK and you have surrendered the vehicle. You can surrender the vehicle at the same time you are purchasing your new one.
Apply Online
Our loan program has helped hundreds of good people with bad credit, poor credit and no credit get approved for auto loans!
Our lenders have loan programs that will help you get approved even if you have recently experienced bankruptcy, repossession, foreclosure, divorce, collections, liens, and/or judgments.
Fast, Secure, No-Obligation Application
The application for obtaining bad credit auto financing is short, easy to fill out and FREE! When you submit your loan application, it is instantly, electronically, and SECURELY transmitted to our Finance Team. Once your application is received, we contact you in a timely manner to help you get approved. Normally, it takes less than 24 hours upon application completion to finalize all of the terms associated with your auto loan! You could be driving your new car the same day you apply! THAT FAST!
We Will Help Get You Qualified
Our service offers auto loans at the lowest rates achievable. Then, buy any make or model of new or used car.
Let us help you make your fantasies come true. Your past credit history - or lack thereof - will not prevent you from getting approved for auto loans. Don't deny yourself. Submit an application for bad credit auto loans today.
Directions To Our Dealership in Roseville
Use the directions link below, or call us at 916-945-2187 for directions to Special Direct Sales.
Prices listed or MSRP does not include destination and handling fees. All prices are from manufacturer website. Please contact dealer for pricing and availability of any in-stock vehicle.