Best Car Loan Rates & Lenders for March 2023

• No minimum credit score
• No origination fees or prepayment penalties
• Offers a 7-days money back guarantee

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include 1. Social Security number and income. 2. Account balances and payment history. 3. Credit history and employment information. All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Carvana chooses to share; and whether you can limit this sharing.

• A reliable car loan marketplace
• Lease buyout loans
• A wide range of offers for average and good credit

AUTOPAY offer this loan application, and services, subject to the following terms and conditions (“Agreement”). Please read this Agreement carefully before using this website or submitting a loan application. By using this website, you accept the terms and conditions set forth in this Agreement. If you do not agree to the terms and conditions set forth in this Agreement, you must not use this website or submit a loan application. As used in this Agreement, the terms “we” and “us” mean The Savings Group, Inc. and the companies in which The Savings Group, Inc.  directly or indirectly owns a majority interest, commonly called “subsidiaries,” including but not limited to, AUTOPAY Direct, Inc. d/b/a AUTOPAY and RateGenius Loan Services, Inc. d/b/a RateGenius.  We operate a technology driven loan and product matching system whereby consumers are able to apply to finance or refinance their vehicles and be considered by multiple lenders who may offer credit and options for ancillary products related to the loan or vehicle.  We also provide origination fulfillment services for approved loan offers including, but not limited to, communication of the offer, documentation collection and preparation, and lien perfection.  In most cases, we are not the lender or affiliated with the lender, however, we may offer loans in certain states through a licensed subsidiary.  On a limited scale, we also provide claims administrations for certain loan products.

• A+ rating on BBB
• Easy online application process
• Competitive interest rates & flexible repayment terms

Advertised 1.99% APR based on a representative example of refinancing a 2019 or newer vehicle with a FICO score of 740 for a term of 36 months.

• Variety of different lenders
• Allows you to use co-signers
• Efficient process

MyAutoLoan Car Loans Disclaimer: PRE-QUALIFICATION AND LOAN/FINANCE OFFER RELATED DISCLOSURES; Horizon Digital Finance, LLC (“HDF”) is not acting as a lender, bank, credit union or finance company (collectively, “Lender”) related to this request for a loan/finance offer for automobile financing, refinancing and/or purchase (each, a “Financing”). The HDF service facilitates a consumer’s request for loan/finance offers process through select Lenders and affiliated Credit Sources (“Credit Source”). When you complete an Offer Form, in order to submit the Offer Form, you will authorize and consent for HDF to share your information with these select Lenders and Credit Sources. A current list of Lenders and Credit Sources to which your information may be sent is available by checking the Lender Directory.

Further, HDF or any Lender or Credit Source who receives your information, may contact you at any of the phone numbers you have provided, using text messages, prerecorded or artificial voice messages, or an automatic telephone dialing system, even if the phone number is a cell phone number or if the contact results in a charge to you. Additionally, HDF may send nonpublic personal or loan/finance offer information to you via text message or email. Your consent is to be effective even if your calling numbers are included in a do-not-call list or registry.

Consent is not required to submit an Offer Form or to utilize any of HDF’s services, and you may choose to be contacted by an individual representative by calling 1-214-540-3350.

Important information about procedures for requesting a loan/finance offer and for opening a new account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you request loan/finance offers for or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

Consent And Authorization For A Credit Bureau Report

All statements made in this pre-qualification are true and correct, and are made for the purpose of obtaining a Loan or Financing; You are at least 18 years of age (or such other age of majority applicable to your state of residence); Authorization is given to HDF, the Lenders, Credit Sources and their affiliates to obtain my credit report in connection with this pre-qualification loan/finance offer request form, any credit application or transaction resulting from the form, future extensions of credit, for any aspect of the credit transaction, and including but not limited to reviewing my account, taking collection action, or any other permissible purpose under the Federal Fair Credit Reporting Act. HDF acquires a “soft” credit inquiry, Lenders and Credit Sources may acquire a “soft” or “hard” credit inquiry; Authorization is given to HDF, the Lenders and the Credit Sources to use and share the information you provide to HDF in order to process your request for credit; By submitting your information, you give your consent for the sharing of information about your request between the Lenders, Credit Sources and HDF, and authorize HDF to post the results on the Web Site for your review; HDF and the Lenders (excluding any auto dealer) make no representations or warranties, express or implied, to any applicant or borrower regarding the value, condition or identification of the vehicle to be purchased; Upon your request, we will inform you whether we requested a credit report and provide the name and address of the consumer reporting agency that furnished the report.

• Loan shopping
• Loan range
• Prequalification process

xxx

• Easy to use platform makes the application process simple
• Fast funding for auto loans and auto refinance
• Competitive interest rates among a variety of reputable lenders

LendingTree’s Car Loans Disclaimer:A Personal Loan can offer funds relatively quickly once you qualify you could have your funds within a few days to a week. A loan can be fixed for a term and rate or variable with fluctuating amount due and rate assessed, be sure to speak with your loan officer about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. A personal loan can assist in paying off high-interest rate balances with one fixed term payment, so it is important that you try to obtain a fixed term and rate if your goal is to reduce your debt. Some lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $50,000 are available through participating lenders; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. Ask your loan officer for details. Rates and APR assume fixed rate for the term of the loan may not be available for all consumers, ask your lender for a fixed rate quote. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680 *This examples are for illustrative purposes only. The examples and match rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are subject to change at any time without notice.

• Get pre-qualified with a soft credit check
• Offers loans for a low minimum credit score
• Quick approval in under 24 hours

If you have a valid email address, a copy of the loan documents will be provided to you upon execution in the form of an email link to a secure portal that will contain the PDF loan documents. You will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them, or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files.  By clicking to accept, you:  1. Acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent. give your affirmative consent to our providing electronic Documents to you as described above; and confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to a secure portal to access the Documents. If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us.

• Reputable range of lenders
• Access to competitive rates
• Access to great refinancing options

APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle, and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV, and title. Advertised 2.25% APR based on: 2020 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans are subject to credit and lender approval.

• Co-applicant OK
• Zero application fees
• Entire loan process conducted online

*Terms and Conditions apply.  Not all applicants will be approved. If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). You must be at least 18 years of age and provide us evidence of at least $2,000 gross monthly income. The monthly payment on the loan cannot exceed 10% of your gross monthly income. Your maximum monthly expenses, including the monthly payment on the loan, cannot exceed 40% of your gross monthly income. You must provide evidence of Full Coverage Automobile Insurance at the time the loan is refinanced. You must provide a valid driver’s license (one loan allowed per valid Driver’s License).

Credit is available for the refinancing of one loan on your credit report that is secured by a vehicle or light duty truck that is up to but no more than seven model years old or newer, with a maximum mileage not exceeding 100,000. Vehicles that are no longer being manufactured are not eligible to be refinanced under this program. We must obtain a valid first lien on the vehicle securing the loan. Maximum loan-to-value restrictions of 125% apply. Value is based upon the wholesale value of the vehicle set forth in the applicable National Automobile Dealers Association Used Car Value Guide for your state. Commercial vehicles, vehicles with a conversion package or a branded or salvaged title and motorcycles are not eligible for financing. Additional information is available at our website.

• 20+ years in the lending business
• Offers great services at no rates
• No SSN needed to pre-qualify

By submitting this loan request, I agree to be contacted by Auto Credit Express, Credit.com (Privacy Policy and Terms of Service), and up to five participating dealers, lenders or other network partners (including their affiliates and partners) regarding this loan request and relevant marketing/advertising messages, using automated telephone dialing systems, text and/or prerecorded messages at any number previously provided. Consent is not required as a condition of service, to agree without providing consent to be contacted using automated telephone dialing systems, text and/or prerecorded messages. In addition, you certify that all information herein is true and complete and authorize lending institutions and participating auto dealers to retain this loan request and rely on the foregoing. You authorize us to receive reports on the status of your loan request, including information concerning whether you pre-qualify for a loan, which lender’s loan offer (if any) you choose to accept, whether your loan request is denied, and whether you accept a loan from that lender. See the “Lender Specific Information” section of the Supplemental Terms to view partners with whom we may share your information.

• Rates as low as 0% on select cars, trucks and SUVs
• No application fees
• Allows co-signers
• Free Online Quotes
• Local dealers compete to provide the best rates for both new and used vehicles

By submitting this loan request, I agree to be contacted by Auto Credit Express, Credit.com (Privacy Policy and Terms of Service), and up to five participating dealers, lenders or other network partners (including their affiliates and partners) regarding this loan request and relevant marketing/advertising messages, using automated telephone dialing systems, text and/or prerecorded messages at any number previously provided. Consent is not required as a condition of service, to agree without providing consent to be contacted using automated telephone dialing systems, text and/or prerecorded messages. In addition, you certify that all information herein is true and complete and authorize lending institutions and participating auto dealers to retain this loan request and rely on the foregoing. You authorize us to receive reports on the status of your loan request, including information concerning whether you pre-qualify for a loan, which lender’s loan offer (if any) you choose to accept, whether your loan request is denied, and whether you accept a loan from that lender. See the “Lender Specific Information” section of the Supplemental Terms to view partners with whom we may share your information.