ByCaroline BentonDec. 31, 2020

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In a Nutshell 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. 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.


  • No minimum credit score
  • In operation for 25 years
  • Personalized customer service


  • Not a direct lender
  • Not entirely an online operation
  • Rates are not transparent View Rates at a Glance

Loan types Auto loans, in-house financing
Loan amount Not provided on website
Repayment terms Not provided on website
APR Up to 25%
Minimum credit score None
Suitable for Getting an auto loan with bad or no credit

Overview works with an extensive network of lenders and dealers across the United States to find deals for bad credit and no credit borrowers. Using is free, and it shouldn’t take up too much of your time either. It takes approximately three minutes to fill out the online form, and an agent should contact you with multiple loan offers within 24 hours.

Suitable for?

Although accepts all customers, it is most suited to borrowers with bad credit or no credit. If other lenders or marketplaces have rejected you, can help. It works with dozens of lenders and thousands of car dealerships, many of whom have no minimum credit requirements for financing. Features focuses on assisting people with bad credit or no credit in finding auto loans and in-house financing. The platform also provides educational resources to help each user understand their financing options.

Here are some of the advantages of using

  • Access to a network of dozens of lenders around the United States
  • Access to a network of thousands of deals offering in-house financing
  • Each user is assigned a dedicated agent to help find the most favorable auto financing deal
  • No minimum credit scores, all borrowers may be approved provided they meet other minimum requirements
  • It takes just three minutes to fill out the online form and start the application process
  • A free loan estimator shows how much you can borrow, depending on your monthly income and payments

Application Process

To request a quote, click “Online form” at the top of the home page and fill out a short online form. After submitting the form, you should receive a phone call from a agent within 24 hours.

Applicants must meet the minimum requirements (with the option of bringing in a co-owner to help meet the requirements):

  • Monthly gross income of $1,500.
  • At least six months of employment in your current position.
  • Three years of employment history, with no significant gaps between jobs.
  • Proof of residence on a current utility bill in your name for the address listed on the application.
  • Proof of a working landline or cell phone in your name.
  • Six to eight personal references.

Loan Types and Terms specializes in auto loans and in-house financing options. The following are a few details on these options.

  • Auto loans: Includes loans for new and used cars from dozens of partnering lenders, with no minimum credit score.
  • In-house financing: helps find a dealership in your area and even sets up a meeting between you and the dealership’s finance manager.
  • Refinancing: A new, improved auto loan to replace your old one.

Repayment Options’s service lacks transparency when it comes to rates and terms. states on its website that APRs range from 0% to 25%. This is misleading because no lender would offer auto financing at 0% (otherwise, how would they make money?). Also, this is just a range, and the final APR depends on your credit and whether you meet other requirements.

Because works with bad-credit and no-credit borrowers, APRs will presumably be closer to 25% than 0%. does not specify its loan terms, but considering its wide network of lenders, it’s fair to presume that a full range of loan terms from 12 months to 84 months are available.

How Safe Is It? has been operating since 1994. Given how long the website has been in existence, it’s no surprise that the platform enforces strict security and encryption protocols. exists to connect users with lenders, and it reserves the right to share your data with its partners.

Help & Support

This service operates on the principle of “don’t call us, we’ll call you.” After you request a quote, a agent should call you within 24 hours. Unfortunately, does not encourage people to call it directly. However, if you have a query, there is a contact form on the website.

How Compares

APR Up to 25% Starts from 2.39%
Minimum credit score None None
Loan amounts Up to $45,000 Up to $300,000
Loan term 12-84 months 12-84 months
Suitable for Getting a car loan with bad or no credit Comparing offers from a variety of lenders

Because of the lack of transparency, it is difficult to make a head-to-head comparison between and other auto loan marketplaces. To find out what can offer, fill out the application form on its website. Consider comparing the results with those from other lending marketplaces. View Rates


If you have bad credit or no credit, or have found yourself rejected by auto lenders for other reasons, may be able to help. is a longstanding online platform that helps connect bad credit drivers with lenders and dealerships throughout the United States.’s APRs are not the lowest, but if you are suffering from bad credit, it’s worth seeing what this service can do for you.

Physical Address

MH Sub I, LLC dba Internet Brands

909 N. Sepulveda Blvd

El Segundo, CA 90245