Our Services
At Desert Finance, we make car ownership possible for everyone. As a direct automobile lender based in Mesa, AZ, we approve and fund auto loans entirely in-house — no brokers, no third parties, no delays.
Whether you have great credit, bad credit, or no credit history at all, our team is here to find a financing solution that fits your budget and gets you on the road.
Financial Consultation
We lend directly to you. Desert Finance funds every loan in-house, meaning faster approvals, flexible terms, and a straightforward process from application to keys in hand.
Bad Credit & No Credit
No complicated paperwork or long waits. Apply in person or contact us directly, and our team will walk you through every step of the financing process.
Simple Application Process
We work with all credit backgrounds. Whether you're rebuilding your credit or financing your first vehicle, our team will find a loan structure that works for your situation.
About Desert Finance
Desert Finance is a direct automobile financing company located in Mesa, Arizona. We originate, approve, and service all of our auto loans internally — we are not a broker, advisor, or referral service. Our mission is to make car financing accessible and straightforward for everyone in the Phoenix metro area. Whether you have strong credit or are starting fresh, we treat every customer with transparency and respect. We believe getting behind the wheel of a reliable vehicle shouldn't require jumping through hoops. That's why we handle everything directly — from your application to your monthly payments — right here in-house.
Location: 2231 W Main St, Mesa, AZ 85201
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and apply.
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Yes. Desert Finance directly funds and services all auto loans. We are not a broker or financial advisor — we are the lender.
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Yes. We welcome applicants with all credit backgrounds, including no credit history.
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Contact us by phone or email, or visit us at our Mesa location. Our team will guide you through the application process.
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We finance new and used automobiles. Contact us for details on eligible vehicles and loan terms.