Auto Financing that Works for You
OCAL makes it easy to get in the vehicle of your dreams!
Simplifying Your Car Financing Journey
Buying a vehicle should be quick and stress-free.
1. Apply Online
Complete our simple online application in just 3 minutes and get approved instantly.
2. Get Approved
3. Build Credit
We have a customized plan to have you in a vehicle while building your credit.
Used Vehicles for Sale
Search Inventory
Used
Slightly Used
Why OCAL Financial?
Save Time
Skip dealership-hopping and uncertainties. Get pre-approved online in just 3 minutes.
Avoid Stress
Online pre-approval with us can eliminate shopping srress and rejection fears.
Any Credit
Our network of partners will make sure you get a loan, regardless of your credit situation.
Save Money
Get the best auto loan rates through our extensive lender network and partnerships.
Time to Build Your Credit
We have dedicated credit building officers will work with you on a unique customized plan to have you in a vehicle while building your credit. Your credit can do a lot for you if you know how to build, maintain & rebuild it, we can help you with that!
Average Score Increase
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Success Rate
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Roberto Desousa
2023-11-08
Olivia is excellent at what she does. Very helpful, with my transition on buying a vehicle
Jonah Rayne Balaberda
2023-11-07
Damien absolutely killed it. I had an accident that totalled my 2018 Hyundai Sonata I picked up from a dealer that will not be named, and I was paying 17% interest while also being overcharged on price. Today I'm driving a 2020 BMW X2 xDrive28i, priced fairly, and my APR is only 9.9%. Damien also made sure that regardless of my settlement i would be able to pay off my previous loan. Never had a vehicle I truly loved till now.
Gerald Montgomery
2023-11-05
Oliva and the team there where great. They where great to deal with. Oliva helped and was always easy to deal with and made sure you where looked after. The team there works well together to get you your new ride
Brigette Ross
2023-11-02
My experience with OCAL Financial was definitely 5 star! I filled out a financing form on Saturday, Carley called me on Monday, helped me understand how it worked, and together with Anthony, they found the perfect car for me. Even when I decided on one, they kept looking and found a better one!! They delivered it Friday through their excellent driver, Nicholas...polite and efficient!! Super teamwork and enjoyable to deal with. Thank you!!
Brittney Giles
2023-10-25
I have been trying tirelessly for years to get into something! No joke! I messed up my credit badly and no one could help. fair enough. Everyone i talked to was so sure they could help and get me into something but never could.( don't get me started on the terrible customer service too! ) so a ton of pulls on my credit, and nothing to show for it. So when Olivia reached out to me ( somewhere along the way i must have submitted an application lol) feeling confident she could find me a vehicle, I didn't have a ton of faith it would happen, but gave it one last try. 100th time the charm right? Haha. SHE DID IT! The whole process was super simple, and quick! We signed everything Monday, and my car arrived at my door Wednesday morning! I'm now driving a fun little Kona, and can't wait to see what else she can get me into down the road! ( I just needed to get into anything to build my credit right now) She truly works some magic! I definitely recommend connecting with her if you are looking for a new whip!
Loan Calculator
Use our car loan calculator before you shop
Before you talk to an agent, see what budget fits you the best. Move the sliders to see how the loan duration and the total loan amount affect your monthly payments.Monthly Payment
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Title and other fees and incentives are not included in this calculation, which is an estimate only. Monthly payment estimates are for informational purpose and do not represent a financing offer from the seller of this vehicle. Other taxes may apply.
Our strategic lending partners
OCAL Financial provides a super simple way to get the best auto/personal loans. No commitment, waiting times, or long meetings.
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