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AutoLoanZoom Review
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Sarah Badani
May. 26, 2021
2 min read
Sarah Badani
AutoLoanZoom Summary is an online marketplace for car loans. With a network of dealership and direct lending partners, 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 partner, making this platform suitable if you have bad or no credit history.
  • No credit minimums
  • Free, simple online form
  • Choose from multiple offers
  • Not a direct lender
  • Lack of loan conditions transparency

AutoLoanZoom at a glance

Editorial score

Online experience

Online application but no learning resources

Customer services and support

Limited ways of reaching lender

Loan Types

Information missing

Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs

Eligibility (credit score)

Accepts all credit types

AutoLoanZoom AutoLoanZoom View Rates

Suitable For? does not have any credit requirements. As a marketplace for car loan lending, the site connects users with a network of direct lenders and dealerships. Because of the range of available options, even loan-seekers with low or no credit score and those who have filed for bankruptcy may be approved for a suitable loan. The quick process and aggregation of quotes also saves on time and research—especially for people who may be unlikely to be approved otherwise.

Features is a secure online marketplace for automobile financing. The site's application process is quick and simple, requiring minimal documents and information to get started. processes your information and connects you with lenders or dealerships offering loans suiting your individual financing needs.

Since works with many direct lenders, it is more likely that even applicants with low or no credit scores, and those in the process of bankruptcy, will be able to secure financing. The marketplace model also fosters competition between various lenders, potentially driving the availability of better offers. The only requirements are that you are at least 18 years old, an American citizen, and have a regular source of income. All final terms are negotiated directly with the lender or dealership, so make sure you read over the quotes before signing. is an aggregator that expedites the process of applying for auto loans by filtering potential offers so that you don’t have to. These are the main highlights of using’s auto loan marketplace:

  • Get offers from a  range of lenders or dealerships without the legwork of researching each one.
  • Get financing offers regardless of creditworthiness, or if you are in active bankruptcy. Of course, better credit scores may be considered for better terms and higher loan amounts.
  • To get started, all you have to do is fill out a simple 3-step form, and the offers will begin rolling in almost immediately.

Application Process

Before you get started, it is worth collecting necessary documents so that you are prepared to fill in the 3-step application form. You will need the following information:

  • Social Security number
  • Monthly income
  • Monthly mortgage or rent payment

Applying to get quotes from's network is easy and free with an online form. To get started, go to and enter your email and postal code. You will be directed to a form where you will be required to enter personal information, including first and last name, along with your email address, phone number, Social Security number, and birthdate. You'll also be asked if you have filed for bankruptcy in the past 5 years. Once you have completed this form, click 'Next Step.' The 2nd step of the application form will ask you about your housing situation, and the third will collect information about your employment and income.

After completing the short application form, you can submit your responses. Within a few minutes, your information will be processed, and loan quotes from various direct lenders and dealerships will begin to roll in. This is where steps out of the process. Any final decisions regarding loan type, loan amount, repayment terms, or APR will be negotiated directly with the lender or dealership. Network partners may ask you for more information, so be prepared with any documents supporting your financing request.

Loan Types and Terms is an aggregator, which means that they do not originate loans but  will connect you with relevant lenders or dealers offering loan options that suit your individual needs. Since the site does not provide loans directly, information regarding loan types, terms, and APR aren't available. The offers you receive will be dependent on your credit score, income, and the requested loan terms and amount. Before you sign on any loan, make sure you read through the offer thoroughly and ask the lender any questions you may have about your loan. 

Repayment Options

Since does not originate loans but rather connects customers with direct lenders and dealerships, the repayment options will vary depending on the lender. In most cases, five to six years repayment is available but make sure you discuss your options with the lender directly. simplifies the process of getting from loan search to driving away in your next car, and the marketplace models may promote better offers out of competition. Remember, some factors that impact repayment terms include income, credit score, and the type of car you want to purchase.

How Safe Is It?

Since is a marketplace, it needs to share your information with participating partners to get you the most favorable offers available. This information is only used for processing and completing loan requests and to connect you with the appropriate direct lender. All personal information is encrypted and is protected with SSL encryption software and other industry-standard security measures. On the bottom of the landing page, you will find a link to a comprehensive Privacy Policy and additional information about how your personal information is used.

Be aware that by registering for the service, you effectively consent to be contacted by dealers and lenders. This means you may receive multiple follow ups to ensure that you are getting the right offer. Once you have the loan and car you need, just opt-out from further communication with them until next time you need help getting a loan.

Help & Support

Even though does not originate auto loans, it would still be useful to have avenues to contact customer service. There is no contact information available on the site, and the only way to get in touch is to fill in an automated email form. Response times are reasonable, however, it would be helpful to have a direct phone or live help option.

Summary is a car loan marketplace that connects you with a range of network partners with a variety of loan offers and repayment options. Even uncredit worthy customers are likely to find loan offers, and the competitive marketplace may even help get better deals than directly negotiating terms. The online application is easy and quick, but the site is not transparent, and there is little available information—including for customer help and support.

Physical Address

40 E Main St #638

Newark, DE 19711

AutoLoanZoom AutoLoanZoom View Rates

Sarah Badani
Written by
Sarah Badani
Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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