Does Credit Matter When Applying for Car Financing?

Does Credit Matter

When you want to buy a new Honda car, we would like to invite you to take a look at our full inventory at Pacific Honda. We have all the latest Honda models as well as certified pre-owned and used models that you can choose from.

If you have visited our website recently or been by our San Diego, CA, Honda dealer location, you know that we have the variety that you are looking for. We would love to talk with you about which of the options in our inventory suit your needs best.

Does Credit Matter?

Whether you are looking to buy a new Honda car or a pre-owned model, you will need to apply for financing unless you will be paying up front. We know that many drivers may get nervous about applying for financing, especially if they have a shaky credit history. We want you to understand that our friendly, professional Honda finance team is available to assist with your car loan needs.

Generally speaking, drivers with a higher credit score will be more likely to qualify for an auto loan and they will often see rewards for such creditworthiness, including a lower interest rate. However, this does not mean that drivers with average, poor, or no credit are unable to qualify for an auto loan. There are many buyers with credit scores below 600 or even 500 that are able to get the financing that they need to drive away happy in a new vehicle.

How We Can Help

The finance team at our Honda dealership serving Poway will be happy to work with you regardless of your credit score. We will review your credit history and work to find the right financing to fit in with your needs and budget. We understand that your credit score should not be the deciding factor because it never shows the whole picture.

Start the financing process online before you visit our Honda dealership near Kearny Mesa. We offer handy tools on our website where you can get the financing pre-approval you are looking for to get the ball rolling.

4761 Convoy Street in beautiful San Diego, CA, is where you will find our full selection at Pacific Honda. If you have questions regarding Honda financing options, call our sales team at (866) 637-2231.

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Sales / Financing

Monday - Friday: 8:30am - 9:00pm Saturday: 9:00am - 8:00pm Sunday: 10:00am - 7:00pm


Monday - Friday: 7:00am - 6:00pm Saturday: 8:00am - 5:00pm Sunday: Closed


Monday - Friday: 7:00am - 6:30pm Saturday: 7:00am - 5:00pm Sunday: Closed