Toggle menu
(800) 994-8600


So, you want some wheels or you need something to spuce up your ride but funds are a little short and your credit isnt the best......

WELL... Monterey has your back!


Welcome to our in-house financing page! We have a plan for just about anyone!


1.) Layaway:

Remember when you found the best x-mas present of all time at some big department store and you could put it on layaway, paying a little with each pay check? Remember when you finally paid it off after a few weeks and the feeling of accomplishment you felt? Yea... we have that.

We offer layaway on any purchase at no interest! Thats pretty cool right? All we need is a 25% down payment on the total purchase and, thereafter, we'll hold your order until it's paid off! Once paid off, it'll process just like any other order.

If interested in our layaway program, feel free to give us call 1-800-994-8600 or shoot us an email at and well get you set up in no time!


2.) 100-Days or 90-Days Same As Cash (No Credit Check)


So, if you scrolled down this far, your probably expecting us to do better. Well... you're in luck, because we definitely can!

If our layaway program didn't knock your socks off, how about 100 or 90-days same as cash? How about no credit check? AND you get your merchandise immediately?! Yep, we have that too!

How do you qualify? Don't worry it's easy!:

1. You need to be employed for at least 6 months

2. Making at least $1,000 a month

3. Have an open, active bank account for 3 months with no return checks or NSF fees for the last 30 days.

THAT'S IT. WE know... awesome right!?


What we need from you:

1.) Application filled out (Yep, you can do it online. Links below)

2.)Bank Statement from the last 90 days

3.) Photo ID

4.) Voided Check

That's about it! Sometimes our finance company may require additional info, but we'll let you know. But for the most part, that's it. It can't get any easier.


So, by now your interested, but you're not sure how it works. No worries, we have you covered.


Your options (Yea, we love options too):

a.) 100 or 90-days same as cash. Processing fee (Usually between $50 and $75) + the original invoice amount. That's all you pay if you pay off your account within 90-days of your purchase.  Sweet deal!

b.) 60% Buyout option- Didn't quite make 100 or 90-day cutoff, no problem! You can still save some cash. You have the option to pay off 60% thats left on your account! Simple as that!

c.) Full Payment- Of course, you have the option to simply pay off your lease in full over the given year.


Lease length= 12 months

Min. Leas Amount: $345 Max. Lease Amount: $2500 (100 Day) [Easiest to qualify]

Min. Lease Amount: $300 Max. Lease Amount: $3,300 (90 Day) [You can submit an app for either or both!]


If approved, that's it! We can process your order. If denied, don't worry well give you a call and see if we can help you out. Or, if you have questions please feel free to give us a call 626-656-5159.


So, that's basically the whole run down. If you're ready to go, then lets get started!



[Easiest to get approved]