Secure application - 100% free to apply - No impact to credit score
Representative Example: A $20,000 auto loan at 8.99% APR over 60 months would result in a monthly payment of approximately $415, with a total repayment of about $24,900. Your actual rate and terms will depend on your credit profile, loan amount, vehicle, and lender. Advertised APRs range from 3.2% to 24.0%.
Mentioned across major networks
When it comes to auto financing, we believe everyone should have access to competitive rates and flexible terms. Our streamlined application process allows you to get pre-approved in just 60 seconds, so you can focus on finding the perfect vehicle for your needs.
Quick pre-approval with minimal paperwork.
See multiple offers from trusted lenders.
Drive away in your new ride sooner.
From application to keys in hand, it's faster than you think.
Fill out our short car loan application and tell us what type of loan you want.
We'll get you a response on your loan application within minutes of applying.
Review your options and compare rates to find the best fit for your budget.
Pick up your car in as little as 24 hours from when you applied.
Everything you need to know before applying for your next auto loan.
Many customers who have been turned down elsewhere still get approved through us. Yes. We work with applicants across the full credit spectrum, including bad credit, no credit, past bankruptcy, and previous repossession. Lenders in our network specialize in subprime auto financing, so a low score does not automatically disqualify you.
Approval is based on more than your credit score. Lenders also look at your income, employment history, debt to income ratio, and the vehicle you want to finance.
Many customers are able to drive home in their new car the same day or within 24 hours of applying. Our online auto loan application takes about two minutes to complete. Most applicants receive a response by email within minutes of submitting, and a representative may follow up to walk you through your options. From there, timing depends on how quickly you finalize your vehicle choice and paperwork.
Submitting our application to see your options uses a soft credit inquiry, which does not affect your credit score. You can check what you qualify for with no risk to your credit.
Once you choose to move forward with a specific loan offer, the lender will run a hard inquiry to finalize terms. A hard inquiry may lower your score by a few points temporarily, but the impact is usually small and fades within a few months of on time payments.
Not always. Many applicants get approved with lenders with zero down. Some of our lenders offer zero down and low down payment options, especially for applicants with steady income. That said, putting money down almost always helps your approval odds and lowers your monthly payment.
A common guideline is to put between 10-20% of the vehicle price, but even a small down payment can make a meaningful difference. A larger down payment reduces the amount you finance, which can lower your interest rate and help you avoid owing more than the car is worth.
A cosigner is not required. Many of our customers are approved on their own based on their income and employment history. If you have steady earnings and can document them, you have a solid chance of qualifying without one.
That said, adding a cosigner with strong credit can help if your score is very low or your credit history is thin. A cosigner may improve your approval odds and help you qualify for a lower interest rate, which can save you thousands over the life of the loan.
We do not charge any fees for applying. Our service is 100% free to use with no obligation. Our goal is to try to connect you with a lender.
