PRIVATE PARTY FINANCING

Secure funding, fast

Gain the freedom to shop and buy from private party sellers AND take advantage of professional financing, with beginning to end assistance from Rose.

We’ll acquire, manage and finalize all loan documents, pay off the seller’s loan if they have one, help you with delivery, and process title & DMV paperwork to ensure you have a CLEAN TITLE vehicle registered to your name safely.

HOW IT WORKS


FIND YOUR CAR

You can find your next car anywhere, on any platform – Facebook, Craigslist, OfferUp, Autotrader, Cars.com, eBay Motors, or your grandma’s garage.

CALL ROSE & GET QUALIFIED

We’ll submit vehicle details and work with you to qualify for the lowest rates possible.

SECURE FUNDING

We’ll process all the paperwork, we’ll pay the seller, and complete the transfer paperwork.

CONGRATULATIONS!

You take ownership of the vehicle and drive home happy.

Benefits

• Optional bumper-to-bumper warranties and GAP insurance
• Key Replacement, Dings & Dents protection
• We secure the transaction between both parties.

Requirements

• 640 Score or Better
• No Repossessions
• Car is 2014 or Newer
• Under 80,000 Miles
• Down Payment Required

Documents

• Proof of income
• Proof of residence
• Proof of Insurance (full coverage)
• Valid Driver’s License
• References

Sometimes your perfect car can’t be found on a lot. Or you don’t want to haggle with a dealer or wait for used car inventory. Or you have a special connection to a family vehicle. There are many good reasons to want to buy privately. Working directly with a bank can be confusing in the best of times, and it is almost impossible to receive a loan if the car you are buying has a current loan or lien on it. There can be a lot of extra work to do to ensure the transaction foes smoothly too.

We’re here to help.

Private party financing, aka private seller or private-party auto loan, is a form of financing used to purchase a car from an individual instead of a dealership. Like a traditional car loan through a dealership, a private-party auto loan is secured, which means the lender uses the vehicle you’re purchasing as collateral.

We're here to help you navigate private party financing for the used car you want

SKIP THE DMV


As a licensed dealer, we handle the transaction so you can avoid spending hours at the DMV waiting in lines and filling out confusing pieces of paperwork. We take care of all the leg work for you! 

•We prepare all necessary DMV docs
• Check for any DMV registration back fees
• Pay taxes
• Temporary tags & registration 

FRAUD PROTECTION


We verify the identity of your counter-party and ensure you’re not transacting with a fraudster, and we guarantee that the vehicle and payment are as advertised. We can verify registration, authenticate title and ownership, check DMV fees, determine vehicle payoffs, and secure funds for both parties. We welcome you to meet at our location as a safe neutral location to test drive the vehicle and ensure a smooth transition. We perform:

• DMV Registration Verification
• DMV Back Fees
• Carfax/Accident Check
• Theft Check
• NMVTIS Title Check
• Real Time Vehicle Loan/Payoff Information
• Check/Fund Verification
• Neutral Party to process and secure funds

LOAN PAYOFF GUARANTEE


As a neutral 3rd party, we guarantee the seller’s vehicle is paid off and the vehicle registered into the buyer’s name. We also have direct access to over 50 national banks to verify the seller’s payoff information. 

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Personal Information
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Interested Vehicle
Trade-in
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Please make a selection
Personal Information
Please enter your First Name
Please enter your Last Name
Please enter your Email
Please enter your Cell Phone
Please enter your Date of Birth
Please enter your SSN
Residential Information
Please enter your Street Address
Please enter your City
Please select your State
Please enter your Zip Code
Please select your Housing Type
Please enter your Rent/Mortgage Amount
Please select your Years at Address
Please select your Months at Address
Previous Address
Employment Information
Please enter your Employer Name
Please enter your Title/Position
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Please enter your Monthly Gross Income
Please select your Years Employed
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Previous Employment

Extended Warranties

Secure your asset and yourself from unexpected mechanical failure and heavy costs towards repairs, NATIONWIDE. Cover factory-installed mechanical and electrical components (except wear and tear items such as: oil changes, tires, bulbs, and brake pads, etc).

GAP

Stand guard as a consumer from any negative equity resulting from total loss. Insurance will only pay the value of your vehicle at the time of impact. GAP has you covered for costs of up to 150% of retail value ensuring you are free and clear of any debt. 

Catalytic Converter Anti-Theft

Protect against theft by insuring your catalytic converter with Anti-theft protection. Cats normally cost several thousand dollars to replace and with this coverage you are eligible for reimbursement of up to $6,000

Rose Motorcars

RoRose Motorcars is your premier used vehicle location in Castro Valley and Hayward, CA, and attracts customers from across the San Francisco Bay, from Oakland to Fremont and Hayward, and the Tri-Valley area from Walnut Creek to San Ramon, Pleasanton, Livermore, and beyond. We have proudly been part of this community for almost 15 years, and our expert staff is dedicated to providing a stress-free environment to buy a quality pre-owned vehicle, apply for clean air grants, sell your car, or finance your next private party purchase. We aim to deliver much more than just a great vehicle at the price you deserve. We are a part of the Electrify America program, which serves low-income communities throughout California.

To learn more about our dealership and how we can help with your next vehicle purchase, please call or stop by in person. We look forward to meeting you.

(510) 400-6042