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Top Car Loans Reviews

Learn the auto loan process, rates, credit scores and loan programs that may apply to you. Happy reading, easy choosing!

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PenFed

PenFed

PenFed is a national credit union that offers auto loan rates for new and used vehicles. It also offers auto loan refinancing with rates that compete with national banks, plus a car buying service that includes discounted prices and rates. You must be a PenFed member to qualify for a loan. In addition, for a limited time earn a $350 cash bonus when you purchase through the PenFed Car Buying Service with a PenFed auto loan.¹

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Auto Credit Express

Auto Credit Express

If you have poor credit and are looking for an auto loan with competitive rates and terms, Auto Credit Express may be the loan provider for you. Auto Credit Express focuses on helping borrowers with less than ideal credit find favorable rates and terms. With a variety of loan types available and a personalized approach, Auto Credit Express can help you get behind the wheel of the car you’ve always wanted.

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LendingTree

LendingTree

With a large network of top lenders, LendingTree has the tools you need to find the right car loan for your individual circumstances regardless of your credit score. The simple and efficient application process will quickly find the terms and rates that suit you.

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CarsDirect

CarsDirect

CarsDirect is a trusted name in the world of online auto sales and financing. The marketplace platform specializes in helping customers with past bankruptcies, weak credit, or no credit at all. CarsDirect has a vast network of private lenders offering competitive rates.

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Car.Loan.com

Car.Loan.com

Car.Loan.com is an online marketplace for new and used car loans and in-house financing. The provider specializes in finding lenders and dealerships for borrowers with bad credit or no credit. Car.Loan.com works with lenders that do not enforce minimum credit scores. Therefore, if you have no credit history, this is an excellent place to start your search for an auto loan.

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Carvana

Carvana

Carvana is an online marketplace with a selection of nearly 30,000 used vehicles that also offers an auto lending program for purchases. Before you shop with Carvana, you can pre-qualify to see exactly how much any vehicle will cost you. There is no minimum credit score with Carvana, making it a good option for buyers with bad credit. In addition, Carvana lets you add a co-signer for a fast pre-qualification process and more affordable rates.

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OneMain Financial

OneMain Financial

OneMain Financial is a leading service provider in the personal loans industry. It offers a range of personal financial loans and is known for providing loans to non-prime customers. The company prides itself on its simple application process and quick provision of service. OneMain Financial ensures customers have easy access to a customer service representative to make informed and financially secure decisions.

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MyAutoLoan

MyAutoLoan

MyAutoLoan is a marketplace of trusted lenders where you can shop around for favorable financing terms. The platform’s quick and easy application process means that you’re just a few clicks away from driving away in your dream car.

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5KFUNDS

5kfunds has an extensive network of lenders that ensures competitive rates. Additionally, you won't pay a cent until your loan is approved. If you choose to borrow with 5kfunds, you can fund auto purchases and other expenses of up to $35,000 quickly and easily.

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CarLoans.com

CarLoans.com

CarLoans.com provides borrowers with poor or slim credit access to financing for both new and used cars. Although the company doesn’t offer loans itself, its service can connect you with third-party lenders that meet your borrowing needs. With an application process that takes less than two minutes, CarLoans.com can help you access rates as low as 5.0%.

AutoPay

AutoPay

AUTOPAY is a good option if you have worked to improve your credit score through responsible repayment and money management. AUTOPAY offers loans for new and used cars, and its lending marketplace model encourages lenders to compete for your business, so you pay less.

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iLending

iLending

Based in Englewood, Colorado, and founded in 2006, iLending is a national leader in automotive refinancing. Through strategic partnerships with financial institutions around the country, iLending offers competitive finance rates and creative financing solutions to thousands of customers a year, in all 50 states.

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OpenRoad Lending

OpenRoad Lending

OpenRoad Lending provides auto loans and refinancing deals from a variety of different lenders throughout the US.

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LendingClub

LendingClub

LendingClub is a leading name in the loan marketplace industry and makes applying for a loan simple by sending out your application to multiple lenders. The fast and easy application process and attractive loan terms make LendingClub a top choice if you want you're looking to a buy car soon but don't yet have the funds.

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MotoFunds

MotoFunds

MotoFunds makes it quick and easy for Americans to access the funds they need to purchase that next ride. With loans of up to $50,000 MotoFunds can help you purchase even the most expensive motorcycles on the market.

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RateGenius

RateGenius

RateGenius makes it easy to refinance an existing auto loan and lower your monthly payments. You get access to a nationwide marketplace of lenders with APRs as low as 2.39%. The downside is that RateGenius requires a hard credit check.

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Tresl

Tresl

Tresl (formerly Innovative Funding Services), can help refinance your auto loan or purchase your leased vehicle. The company connects customers with personalized financial resources for auto purchasing & refinancing through their network of lending partners, in order to help customers save money. Throughout Tresl’s end-to-end process, customers receive the support of cutting-edge financial technology and a consultative team of expert advisors.

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Auto Approve

Auto Approve

Auto Approve helps borrowers refinance their auto loans to get lower monthly payments and/or pay off their debt more quickly.

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FiWize

FiWize

FiWize is an online lender specializing in residual auto loans. Also known as balloon financing, residual financing involves low monthly payments with a large “balloon” payment at the end. FiWize offers this type of auto loan for purchasing new and used cars, refinancing, or buying out a lease.

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LightStream

LightStream provides new and used loans, classic car financing, and lease buyouts. LightStream also offers customers flexibility thanks to its broad repayment terms, loan amounts, and interest rates. This provider is a top choice for borrowers with good to excellent credit who seek a realistic and fair loan to buy a car.

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Monevo

Monevo

Monevo is an online lending marketplace that offers consumers an easy way to navigate multiple loan offers quickly and efficiently. Monevo is a trusted auto loan search engine that partners with 30 of the top lenders and banks in the industry to help consumers advocate favorable rates, repayment terms, and loan options.

SuperMoney

SuperMoney

SuperMoney is an online marketplace for auto loans, auto refinancing, and other types of loans, including personal loans and mortgages. With SuperMoney, users can easily compare and qualify for multiple auto lenders in one form. This platform connects users with great deals for auto purchase loans, refinancing, leasing and even title loans.

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Gravity Lending

Gravity Lending

Gravity Lending is an online marketplace that connects you with other lenders for competitive rates and terms. They focus primarily on auto loans but offer several other options, too. Their application process is fast and easy, and funding happens quickly. If you're looking to refinance your auto loan from the comfort of your home, Gravity Lending may be a very good option for you.

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AutoLoanZoom

AutoLoanZoom

AutoLoanZoom.com is an online marketplace for car loans. With a network of dealership and direct lending partners, AutoLoanZoom.com users can find financing quickly by plugging basic information into the straightforward form. Borrowers with low credit ratings and even bankruptcy may be eligible for auto financing through an AutoLoanZoom.com partner, making this platform suitable if you have bad or no credit history.

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Auto Loan Analyzer

Auto Loan Analyzer

Auto Loan Analyzer is a straightforward online service that helps you refinance your existing auto loan. You get to decide whether you want to prioritize reducing your monthly payments or paying a lower interest rate. From there, Auto Loan Analyzer will pair you with one of its dozens of partner lenders to help you refinance up to $100,000. The service is free to use and checking for loan offers won’t hurt your credit score.

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RefiJet

RefiJet

RefiJet is an online marketplace for auto refinance loans. Founded in 2016, RefiJet has built an impressive network of lenders serving drivers in all 50 states. It offers auto refinancing for all purposes such as lowering interest rates, lowering monthly payments, buying out a lease, adding or removing a co-borrower, and minimizing risk with GAP protection.

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First Republic Bank

First Republic Bank

First Republic Bank offers personal lines of credit with low fixed interest rates. Founded in 1989, this lender provides banking and loan services around the United States. First Republic Bank offers more extensive personal lines of credit than most other banks, allowing borrowers to refinance their debt, including student loans, home expenses, car loans, and more. This lender also has an A+ rating from the Better Business Bureau.

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Upstart

Upstart

Upstart is an online lender that offers personal loans and auto refinance loans. Auto refinance loans are available to borrowers with a credit score as low as 510, and you can borrow up to $60,000. You can check your rate and pre-qualify for an offer without impacting your credit score, and the entire application process takes place online. If you need help, you can get in touch with Upstart’s support team 7 days a week.

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Caribou

Caribou is a secure, digital platform that makes it easy to refinance your auto loan. The company works with many national and local lenders to help you find a suitable rate and does all the work of coordinating your refinance. It doesn’t impact your credit score to check your rate, and you can complete the application process online. Caribou refinances most cars, trucks, and SUVs but does not offer loans for motorcycles or commercial vehicles.

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Fiona

Fiona

Fiona is a financial service search engine that helps you find the right loan, savings account, or credit card for you. When it comes to your car, Fiona can help you find the best auto refinancing deal. With only 4 auto refinance loan providers in its network, your choice of loan may be limited. However, Fiona’s quick and easy online matching will still save you time in looking for an auto refinance loan.

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PNC Bank

PNC Bank

PNC provides loans for new and used cars that are under 8 years old, as well as offering refinancing options on existing leases. Available for purchases made at dealerships and through private sellers, these loans carry a 0.25% rate discount if you set up automatic payments through a PNC checking account. If you take out a loan, you can manage your account through the PNC banking app.

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