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Lauren Le-Hair


Lauren Le-Hair

Quick auto-loans for bad credit
Quick auto-loans for bad credit
About was launched in July 2013 with the aim of becoming one of the main auto loan providers in the US. The company specializes in providing loans to people with bad or no credit history, and in certain circumstances they can even provide loans to people who have been declared bankrupt. is based in Superior, Wisconsin, and alongside offering loans for those with sub-prime credit, they also pride themselves on making quick decisions for your loan applications.








ACCESSIBILITY Auto Loans Review have created a simple auto loan application website that works perfectly for the product that they offer. The company just offers auto loan, priding themselves on quick decision making and affordable loans. The company also has an excellent resources section which details everything that you could ever want to know about auto loan financing. We were impressed by this section and found it very educational. On the other hand, there are very few details available with regards to the terms of the loans. There is no available information on the site regarding age of vehicles, mileage requirements or vehicle types. Additionally, are a marketplace lender, but there is no indication of which lenders they are partnered with. Details of the auto loans offered by are shown in the table below. Auto Loans Highlights


$1,000 - $100,000


12 -84 months




3.2% - 24%


48 hours













Pros & Cons

  • Quick and simple application form
  • Loans available to people with bad or no credit ratings
  • No fees associated with the loans
  • Limited information available online about the loan terms
  • No soft credit pull available
  • High APRs if your credit rating is very poor
  • No visibility of lending partners

Auto Loans Types

  • Unsecured Auto Loans
  • New Car Loan
  • Used Car Loan

Vehicle Types

  • Car Auto Loans Terms & Requirements lets itself down compared to the rest of its site with the information provided regarding loan terms and requirements. There is little information available with regards to loan eligibility, what type of loans are offered. We know that the following information with regards to auto loans offered by

  • Loan terms between 1 and 7 years
  • APRs available between 3.2% and 24% depending on your credit rating
  • Loans are available for both new and used car, but mileage or age restrictions on used cars are not stated on the website.

The best way to check the terms and requirements are to go through the application process. Thankfully, the application process is very quick to go through, so you won’t be left waiting for long until you can see the terms and conditions that are applicable to you.

How to Apply

We decided to test the application process for and headed over to the site to get started. The homepage is very clearly laid out, making it obvious how to start the process.

Screen 1

The first page asked for simple personal information, including our name, phone number, email address and zip code.

After entering our basic information and selecting ‘Continue My Application’ we were taken to the first page of a four step application process. The first page asked for simple personal information, including our name, phone number, email address and zip code.

The following page shown asked for address, current housing situation, employment and income details. This was followed by a page asking for our SSN, date of birth, bank account type, and whether we had filed for bankruptcy in the past 3 years.

At this point we had to check the box detailing that we were happy to submit to a hard credit pull, knowing that this would slightly decrease our credit score. We agreed to this and the credit check was undertaken.

The final stage of the four part application concerned the vehicle that we wanted to buy. We completed the form and hit ‘Complete Application’. The application was completed within 30 seconds, at which point we were shown offers that were available to us.

The application process was very quick and easy to complete. However, we would have preferred visibility of lending partners and more information on loan details prior to starting the process.

Qualification Requirements

The website doesn’t detail the qualification requirements, but we can safely assume that the following requirements are in place to obtain a car loan.

  • 18 years of age or older
  • US citizen or permanent resident
  • Able to prove a steady income stream

Required Information

You must provide with the following information when you are applying for an auto loan:

  • Proof of ID
  • Driver’s license
  • Insurance
  • Proof of income
  • Proof of residence
  • Bank account details

Application Steps & Time Frames

Applying for a car loan with took a couple of minutes and was very straightforward. After completing the loan process, funding will be with you within 48 hours of completing the loan documentation.

State Availability

Available in all states

Privacy & Security contains a privacy policy that details exactly how your personal data is collected, stored and treated. The Privacy Policy is relatively standard, with no surprises noted. There are no adverse online reports with regards to data, privacy or security breaches online. This can be considered a green flag, as instances or privacy or security breaches almost inevitably find their way online if they occur.

Customer Support are an online only offering, meaning that you aren’t able to speak directly to a customer service representative. Customer service can be contacted via email only, and we tested how responsive the customer service team are. We emailed with a question about credit scores, and we were pleasantly surprised to receive a reply within 30 minutes of sending the question. This is very important for a company that cannot be contacted via phone call, and we were impressed with the quality and timeliness of the response. Full details for getting in touch with are shown below.

In Conclusion is a good choice to consider if you have a poor credit history and need a car loan quickly. Given that they are targeted towards those with poor credit ratings, the APR range offered is lower than competitors, with loans ranging from 3.2% to 24%. If you are in the market for an auto loan, we would recommend you take a look at


How long does it take to know if my application is successful?
In almost all cases, a decision on whether to you an auto loan is made immediately by
Can I apply if I have bad credit rating?
Yes, CarLoans specialize in loans to people with bad or even no credit history.
Can I only buy new vehicles with
No, you can buy new or used vehicles. Disclaimer is a lead provider to lenders around the US. Average APR rates range from 3.2% to 24% depending on credit. Some dealers/lenders may have implications for non-payment or late payments, please see your specific terms for more information. By applying with, you agree to have your credit pulled for lending purposes and this could have an impact to your credit score.


This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.


Lauren Le-Hair

As an experienced content writer, Lauren’s passion for the finance sector is only exceeded by her love of writing. Lauren specializes in the financial industry, drawing on her knowledge and experience to deliver top-quality, specialized content with an expert tone of voice and a unique flair. She also holds a First Class (Hons) Batchelor’s degree from Staffordshire University.