We are a leading Special Finance dealer, easy financing and easy to find in Kearny Mesa and Chula Vista serving all of Southern California. It is easy to get financed on a car at Siry Auto Group.

Siry Auto Group is proud to be an automotive leader in our area. Since opening our doors, Siry Auto Group has kept a firm commitment to our customers. We offer a wide selection of vehicles and hope to make the car buying process as quick and hassle free as possible.

We offer customers that need help getting financing with the opportunity to buy a high quality used car regardless of your credit. Our vehicles are typically five to ten year old cars, SUVs, and vans. Each has been individually selected and each has passed a comprehensive inspection. Plus, every one of our cars is backed by expert service departments available exclusively to our customers.

For many of our hard-working customers, we offer a way to own a reliable vehicle to get them to their jobs, and a way they can advance in life. That's our specialty! We match people who need help getting financing with cars that fit their needs and budgets.

We offer trust. We treat our customers with dignity and respect, and we thoroughly explain the terms of the sale. We offer a modern, professional, and sophisticated dealership, backed by years of experience in the industry.

In every way, we offer service. Our customers have had difficulty qualifying for credit, and we don't under serve them because of it. We know their past, but we believe in their future.

We are proud to be owned by the Siry Family. The Siry's have provided San Diego, California with vehicles since 1999. Come be a part of our Family!

We have a strong and committed sales staff with many years of experience satisfying our customers' needs. Feel free to browse our inventory online, request more information about vehicles, set up a test drive or inquire about financing!

Siry Auto Group works tirelessly to provide credit solutions for those who need to re-build credit and need a reliable vehicle.

All types of credit, from good to bad, can qualify for an auto loan. Bad Credit, No Credit, No Problem!

Here is how this works.

Simply take the time to fill out our online application. Fill it in with the most accurate information you can.

One of our friendly staff will call you and go over your approval with you.

What Do I Need to Get My New Car?

1. Proof of Income with a minimum of $800.00 per month is required
We accept:
- Bank Statements (Average Deposits over 3 Months)
- Pay Stubs
- Social Security with a Direct Deposit, or copies of checks with Award Letter
- Copies of Cancelled Checks from your employer.
- Alimony and Child Support
- Retirement
- Temporary Employment Service
- Just About Any Income from Verifiable Sources.

2. Proof of Residence
The Bank wants to know where you live
- Phone Bill (Cell Phone is OK) with your Name and Address
- Utility Bill (Gas / Cable / or DSL) with your Name and Address
- Bank Account with Name and Address

Question: All the utilities are in another person's Name, Can I still Qualify
Answer: YES. Just tell us upfront, as we have a solution for this as well.

3. Bank Account
- If you have a regular pay stub, we only need the last monthly statement.
- If you are using Bank Statements for income we will Need the last 3 Monthly Statements

Question: I don't have a Bank Account, can I still qualify?
Answer: YES! Just tell us upfront so that we enter it correctly without a bank account.

4. References
- 10 References with Name Address and Phone Number
- They must all be at different Phone Numbers and Addresses
- Landlord or Mortgage Holder Information Name Address and Phone

Question: I don't know 10 people?
Answer: Ask a few people at work, most are happy to help you. Don't Worry there information does not end up on Telemarketers lists.

5. Down Payment
Down payments are hard to give on this page. Each individual will have different down payment requirements. The amount down that is required is a function of your overall credit tier, and the car you want to buy. We will work hard to make sure that your down payment is as affordable as we can make it.

Be realistic, if you have a fresh repossession, or two, your down payment requirements will be higher than a person that has paid off a car loan recently. The down payment is also determined by the car you pick out. If you just had a repossession, and you only have $1000 down, please do not expect to buy a lifted F250 Diesel, or a BMW Sports car. We can get you approved, but the vehicle will be dependent on your down payment. If all you have is $1000 and have had 2 Repossessions it will be basic reliable transportation, not a luxury car.

Nationally the average down payment is about $2500.00 but don't worry let us know what you have now and we will try our best.

Let us know what your situation is, here at Siry Auto Group our main goal is to make sure that you can afford to make the payments on your new car. That includes the Down Payment, and the monthly payment so that you can get re-established. We do not want to let you get into a position where you cannot afford to make the payments, and let your chance at new credit get ruined.

Question: I don't have my down payment all today, but you have the car I really want now, what do I do?
Answer: Call us, or submit an application. If you agree to the terms, we will make sure you don't miss out on your car.

Finance a Used Car with Our Special Financing 

We know that shopping for a used car is stressful enough without adding a complicated financing process to it. That’s why at Siry Auto Group, we try to keep our used car financing process simple. You’ll have a discussion about your needs with a representative, before you set your heart on a particular vehicle. We make sure your car payment fits your lifestyle just as much as your car will. Once you and your representative decide what your right payment looks like, you’ll test drive an inspected, serviced, computer tested and reconditioned car that fits your needs and your budget.

Because we do special financing, most of our customers drive away the same day they’re approved. We understand that when you need a new car, your life doesn’t stop. You need a car to get to work and to get the kids to school. Unlike traditional used car financing, we base your approval on your ability to make easy payments instead of on past mistakes. That’s why customers have chosen to buy their vehicles from Siry Auto Group!

Here are some other benefits to our used car financing process:

- No-haggle pricing saves you time and stress
- Payments are tailored to your pay period and can happen monthly or bi-weekly
- Convenient payment methods include paying by phone, our website, and automatic withdrawals
- On-time payments are reported to the credit bureaus, which could put you in a good place to improve your credit
- Schedule an appointment with your local Siry Auto Group to see just how easy we can make the financing process!

The Process of Buying a Used Car

Most of our customers are able to drive away the same day they're approved. At Siry Auto Group, we try to keep the car buying and financing process easy. But, there are a few things we need from you to try to get you in and out on the road as quickly as possible.

Here's what to bring when buying a used car from us:

- Your valid driver’s license
- Your most recent pay stub
- Your most recent utility bill to establish proof of residence
- Initial down payment
- Contact information and addresses of 10 references
- Trade title, if you have a trade-in

When you submit your information online, you will be contacted by the nearest Siry Auto Group dealership (or the location you selected) to talk about a time you can come into the dealership so we can talk about your situation and the vehicle and payment plan that are right for you. If you come prepared, we promise to work with you to make the process of buying a used car run as smoothly as we can.