Apply for a Car Loan

Pretty simple Credit Minimums

To qualify for an automobile loan through our network, you will need at least $1,600 in gross monthly income, and be a U.S. resident at least 18 years old.

Important restrictions:

  • No refinancing or title loans available
  • Vehicle must be purchased from within dealer network
  • No auto loans available for private sales (i.e. buying a car directly from your neighbor)

Can You Tell Me My Rate Over The Phone?
Not that easy. Your interest rate will depend upon:

  • Whether you are buying a new or used car
  • The length of the loan
  • The amount of the downpayment.

Can You Give Me A Hint?
You can match your credit score to expected rates at www.myfico.com. In round numbers, if your score is above 700, expect to pay around 7 percent. If you are in the 600s, you'll pay between 7.5 to 10.5 percent. If it's in the 500s, expect to pay 15 percent; below 500, you'll see rates at 18 to 20 percent.

Click here to see why those numbers aren't as bad as you think.

  • What is a Bad Credit Loan?

    Like millions of Americans across the country, you might be struggling with a few debts on your credit report. Having these debts could easily lead to a less than stellar credit score that can greatly impact your ability to borrow money and finance purchases. Traditi...Continue reading →

  • Bait and Switch: What It is and How You Can Avoid It

    Deciding to buy a car is a difficult time. One of the most difficult parts of the process is getting approval for a car loan. In an ideal world, it would not be that bad, but for many people the process is mind-blowingly difficult. One thing to be aware of when you a...Continue reading →

  • How to Get a Good Auto Loan with Less Than Perfect Credit

    For many Americans, the chances of finding a good auto loan are extraordinarily slim. According to Mark Whitehouse of the Wall Street Journal, 25 percent of Americans have a credit score of less than 600. Bad credit habits, tempo...Continue reading →

  • Obtaining an Auto Loan After Bankruptcy

    Dealing with bankruptcy is nothing new for most Americans. According to the American Bankruptcy Institute, over 1,362,800 Americans filed for personal bankruptcy in 2011. Unfortunately for those looking to buy new or used car, having a bankruptcy or any other type of...Continue reading →

  • Shopping Online For Auto Lenders

    Wondering whether buying a car is easier than it used to be? Today, more people are searching for the best auto loan and some are finding it online. Car sales are improving since the auto industry bailout in 2011 and Continue reading →