Hey there, Orange County drivers! We have some huge news to share. If you’ve been looking for the best selection of used cars in Fullerton or Santa Ana, your search is about to get a whole lot easier.
Sterling Imports is moving! Starting July 1st, we are officially opening our doors at our brand-new location in Fullerton. We’ve loved serving the Santa Ana community from our Harbor Blvd spot, but we’re growing fast and headed to Fullerton to better serve our friends across North Orange County and Los Angeles County.
But before we pack the last box, we wanted to drop a "knowledge bomb" on one of the questions we get asked most: "Can I get a car loan without a Social Security Number?"
The answer is a resounding YES. At Sterling Imports, we specialize in ITIN financing. Whether you’re looking for a rugged Ford truck, a sleek BMW, or a reliable Toyota, we are here to say "yes" when other dealers say "no."
What is ITIN Financing and Why Does it Matter?
For many hardworking people in our community, a Social Security Number (SSN) isn't something they have handy. But that shouldn't stop you from owning a reliable vehicle to get to work, take the kids to school, or enjoy a weekend trip to the coast.
An Individual Taxpayer Identification Number (ITIN) is issued by the IRS, and it is a perfectly valid way to apply for an auto loan. While big corporate banks might give you the runaround, Sterling Imports has spent years building relationships with lenders who understand and value ITIN holders.
Why Fullerton Drivers Choose Sterling Imports
Moving to Fullerton means we’re bringing our "No-Hassle" philosophy to a new neighborhood. We know that the car-buying process can be stressful, especially if you’re worried about your credit or your ID.
Our mission is to provide a stress-free environment. We offer comprehensive financing assistance for everyone, including those with:
- ITIN instead of SSN
- Bad credit or no credit history
- First-time buyer status
- Open or past bankruptcies
4 Simple Steps to Get Approved with an ITIN
Getting approved at Sterling Imports isn’t a marathon; it’s a sprint. Most of our customers are approved in as little as 10 to 15 minutes. Here is exactly what you need to bring to our Santa Ana location (or our new Fullerton home after July 1st!) to drive away today:
1. Your ITIN Document
This can be your official IRS ITIN letter or a copy of your prior-year tax return that shows your ITIN. This proves your identity to the lender and starts the process.
2. Government-Issued Photo ID
We accept various forms of identification. If you don't have a U.S. driver’s license, don't sweat it. We often work with:
- Foreign Passports
- Consular IDs (Matrícula Consular)
- State IDs
3. Proof of Income
Lenders want to see that you have a steady way to make your payments. Bring your most recent pay stubs or bank statements showing your deposits. If you're self-employed or work in cash-heavy industries, talk to us! We’re experts at helping you document your income to get that "Approved" stamp.
4. Proof of Residence
A simple utility bill (electric, water, or gas) or a lease agreement with your current address is all we need to show you’re a local resident of Orange County or the surrounding areas.
Spotlighting the Sterling Imports Inventory
When you visit us, whether it's our current Santa Ana lot or our upcoming Fullerton location, you aren’t just getting a "used car." You’re getting a hand-picked, high-quality vehicle that has been thoroughly inspected.
Luxury for Less: BMW & Audi
Looking for something that turns heads? Our inventory of BMW luxury sedans and Audi SUVs offers the perfect blend of performance and sophistication. Many people assume they need perfect credit for a BMW, but with our ITIN programs, that dream car is much closer than you think.
Family Favorites: Toyota, Honda, & Ford
If you need a reliable SUV for the family, we’ve got you covered. From the fuel-efficient Toyota RAV4 to the spacious Chevrolet Suburban, we stock brands that are known for going the distance.
Don't Forget Your Trade-In!
One of the best ways to lower your monthly payment is to trade in your current vehicle. At Sterling Imports, we give top-dollar trade-in offers, even if you still owe money on your current car!
Our process is simple and transparent:
- Vehicle Info: Tell us the make, model, and mileage.
- Condition Check: We’ll do a quick walk-around and test drive.
- Instant Offer: We give you a fair, no-obligation price on the spot.
You can use that value as a down payment, which makes your ITIN financing even more affordable. Some of our customers even drive away with as little as $500–$1,000 down!
Mark Your Calendars: July 1st in Fullerton!
We are so excited to join the Fullerton community. Fullerton has a rich automotive history and a vibrant culture, and we can’t wait to be a part of it.
What does the move mean for you?
- Easier Access: More central for our North OC and LA customers.
- Better Inventory: A larger space means we can stock even more of the trucks and SUVs you love.
- The Same Great Service: Our team isn't changing. You’ll still get the same friendly, bilingual support you’ve come to expect from the Sterling family.
Until June 30th, come see us at our Santa Ana location:
925 N Harbor Blvd, Santa Ana, CA 92703.
Give us a call at (714) 485-8882 to schedule your VIP appointment.
Final Thoughts: When Others Say No, We Say Yes
Don't let a missing Social Security Number or a bumpy credit history keep you off the road. You deserve a safe, reliable vehicle for your family and your future.
Whether you’re in Santa Ana today or Fullerton next month, Sterling Imports is your partner in automotive success. We’ve helped thousands of Orange County residents get behind the wheel with an ITIN, and we’re ready to help you next.
Browse our current inventory here and let’s get you approved!