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 * Auto Loans


AUTO LOANS MADE EASY FOR ANY CREDIT SITUATION

Since 1998 our lender network has helped millions of customers get new and used
car loans with custom tailored financing.

 * No-hassle process
 * Start loan process in 60 seconds
 * Bad Credit / No Credit / Bankruptcy accepted
 * No obligation

GET STARTED
5,000,000 + customers helped since 1998
853 Loan Requests processed today


CAR FINANCING TOOLS

Car Loan Calculator > See how much you can afford
Refinancing > Refinancing can be an excellent option for people who currently
have an auto loan


HOW WE CAN HELP YOU WITH AUTO FINANCE

We understand that good people can experience credit challenges. We are ready to
help with easy auto financing options for any credit situation.
Bad Credit
If your credit score is under 670, it can be hard to get an auto loan through a
traditional lender. Our dealers specialize in tailoring plans to get you
financed even with bad credit.
No Credit
We know how difficult it can be to get a car loan with no credit history.
Fortunately, our dealers are experts at helping people like you establish credit
with customized car loans.
Bankruptcy
We understand the need for a second chance after bankruptcy. Our dealers use
lenders who understand this and will create a plan to help you start rebuilding
your financial future.
GET STARTED



GETTING A CAR LOAN

Explore the process of how to get financing for a car.
Understanding Car Loan Amortization Schedule and Calculator When you take out a
car loan it's important that you know how your payment schedule will pan out
over the life of your loan. In order to see your payment breakdown, including
how much of your monthly payment is going toward principal and interest, you
need to look at an amortization table. Amortization May 3, 2024
How Much Should I Put Down On A $30,000 Car? With the high price of cars today,
some of the most desirable vehicle models are hitting the $30,000 range, and
it's easy to wonder just how much you should be putting down when financing a
car. Here's a look at down payment examples for cars priced at around $30,000
and why you may want to start saving April 30, 2024
Do You Need a Driver’s License to Buy a Car? You don't always need a driver's
license to purchase a car, especially if you're paying cash. An unlicensed
individual can walk into a dealership and buy a car in some cases. This is much
easier to accomplish if the buyer pays cash, but financing a vehicle without a
driver’s license isn’t always April 16, 2024
See More Articles


BAD CREDIT CAR LOAN

Learn how a car loan works when you have bad credit.
California Car Title Loans: Pink Slip Collateral Loans It is typically pretty
easy to get a car title loan in California, and all you need is your vehicle's
pink slip or California certificate of vehicle ownership as collateral to loan
agencies. This type of car loan is preferred over other methods such as a car
title pawn, wherein the lender will hold on April 30, 2024
What is the Interest Rate on Used Car Loan? When you're choosing between a new
and used car there are several differences to be aware of, including the
difference in interest rates. If your credit is less than perfect you're going
to be paying more interest on an auto loan than if your credit is good. We cover
what determines interest rates on April 25, 2024
Getting a Car Loan With No Credit is Easier Than You Think If you lack a solid
credit history, you may still be able to get an auto loan. Depending on your
current employment and residence situation, it might be possible for you to
qualify for a no credit car loan. But first, you have to do the necessary
research and make sure you're working with a car dealer March 21, 2024
See More Articles


CAR REFINANCING

Find out how refinancing may help cut your interest rate to lower your payment.
How Soon Can I Refinance My Car? If you didn't get the deal you were looking
for, there's technically no time limit that you have to wait to seek refinancing
on your car. However, you're not likely to find a lender willing to take a stab
at drawing up a contract as soon as you've driven off the lot. Typically,
lenders like to see at May 8, 2024
Auto Loan Refinancing: How Does it Work? Taking out a bad credit car loan is a
great way to help you improve your credit score over time as long as you manage
it properly. Sometimes, as your loan stretches out in time, it can become
difficult to manage for various reason such as a change in your finances or an
unexpected hardship. If you need May 8, 2024
Does It Cost Money To Refinance a Car? Refinancing is done to save borrowers
money by reducing their monthly payments on a loan such as a car loan or
mortgage. The process may not have a flat fee associated with it, but it could
cost you in the long run if you're not careful. Refinancing an auto loan takes a
few steps and the outcome can May 3, 2024
See More Articles


HOW IT WORKS

1. Submit Your Form

Submit a free loan request with no obligation using our secure form.

2. Review Your Financing Options

Our dealer partner will contact you to discuss customized financing options.

3. Find The Right Car

Our dealer partners have a wide selection of new and used vehicles to meet your
needs.

4. Drive Away Happy

Rest easy knowing that your financing was specifically tailored for you.

Get Started


CUSTOMER REVIEWS

 * These Folks are fantastic!
   
   
   I have now over the course of 10 years purchased three cars with the help of
   CarsDirect. These folks are fantastic. I will never buy a new car any other
   way.
   
   - Jay M.

 * Easiest Experience I’ve Had!
   
   
   I was pleasantly surprised by the fact that the quote was straight-forward
   with no additional fees or options. They make the experience easy.
   
   - Al B.

 * Hands Down, The Best!!
   
   
   Hands down, the best and easiest way to get a new car...I decided to go to
   CarsDirect and it was all done over the phone and email. Alas, a car was in
   the area and I brought it home the next day!
   
   - Misa C.

 * The Process is Extremely Smooth
   
   
   CarsDirect is the way to go when you want to buy a new car. I've used them
   for my last 3 vehicles and I don't see myself ever going back to buying from
   a dealer (only to pickup and sign the paperwork).
   
   - Rob A.

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AUTO LOANS AND REFINANCE FAQS

Payment & Fee
Is there a fee to submit a request?
No. We offer a free, no obligation auto loan request process. There is no fee
for using our service.
What monthly payment can I afford?
When purchasing a new or used vehicle, it is important to not overextend
yourself financially. One of the most effective ways to raise low credit scores
is to make monthly payments on time. Experts suggest that you should not
allocate more than 20% of your take-home pay toward monthly auto payments. The
down payment, interest rate, and term of your loan will also determine how much
you can afford to spend on an automobile. As a general rule of thumb, divide
your monthly income by 2 to determine your disposable income. Let's say you make
$3,000 per month. Your disposable income would be $1,500. From that, you would
deduct any monthly payments you currently have. The number left over should give
you an estimate of how much you can afford per month.
What interest rates will I be paying on my auto loan?
CarsDirect is not a lender; we do not establish your interest rates. Interest
rates will generally vary depending on the amount of your loan, the type of car
you are looking to buy, and ultimately your credit report information. After
submitting a request form, you will be contacted by a credit processor who will
provide you with more specific details regarding interest rates, monthly
payments, and other loan terms. There is no obligation to accept any of the car
loan terms offered to you.
Will I need a down payment on my car loan?
Depending on your credit status, you may or may not be able to get financed with
little or no money down, although if you have some credit discrepancies, a 10%
down payment is usually suggested.
Process & Credit Score
Is CarsDirect a lender?
CarsDirect is not a lender. We have the nation’s largest network of dealerships
specially equipped to help buyers like you get financed even with bad credit.
How do you get me approved with bad credit?
CarsDirect is not a lender; we do not approve or decline loans, but by filling
out our secure, online auto loan request form, you are giving us the ability to
locate dealerships and lenders that can work with you directly to get you
approved. Interest rates are based on your loan amount requested. Additionally,
lenders will often take into consideration your financial situation – especially
if you have been recently divorced, relocated or laid-off. Lenders consider more
than just your credit score when deciding whether or not to extend credit.
Will an auto loan impact my credit score?
A hard inquiry will impact your credit. The good news is that rate shopping
within a 14 to 45-day period will generally be reflected on your credit report
as a single inquiry.
Do I need to select a car from the assigned dealer?
After submitting a no-obligation auto loan request, we will match you with a
CarsDirect partner near you. Your dealer will review vehicles in their inventory
that meet your needs.
How fast can I get my car?
On average, auto finance companies are able to process car loan applications
instantly, or in less than 24 hours. During this time, be prepared to provide
additional documentation such as car insurance, proof of income, proof of
residence, and any other provisions required by the lender. Generally, our
customers are able to purchase a vehicle within 24 - 48 hours from the
completion of the application process with their lender.
Loan approval is not guaranteed and is subject to credit application and
approval of the lender. Individual loan terms may vary.
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