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BestMoney Staff
Bestmoney Staff
Oct. 21, 20224 min read summary 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, can help you access rates as low as 5.0%.


  • Considers all credit profiles
  • Financing for new and used cars
  • Apply in under two minutes


  • No phone number listed on company website
  • Potentially high APRs
CarLoans.comat a glance

Editorial score

Online experience

Online application but no learning resources


Customer services and support

No customer support available


Loan Types

Offers most loan types


Repayment Flexibility

Offers multiple repayment plans- but no special repayment programs


Eligibility (credit score)

Accepts all credit types


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Suitable For? could be a good choice if you have had financial difficulties in the past and are struggling to find financing through mainstream lenders. Unlike many of its competitors, the company will consider your application if you have previously been declared bankrupt.

Likewise, could be an attractive option if you have never previously borrowed money and therefore have a slim credit history. By taking out a loan with one of its partners and making your payments on time, you can demonstrate to future lenders that you are responsible with your finances.

The company also offers loan options for those without a down payment to make on their vehicle. This could be extremely useful if you suddenly need to replace your current car and don’t have any savings.


While does not finance loans itself, you can find financing or refinancing for both new and used cars through its partner lenders. 

  • Credit available for new and used cars
  • Financing and refinancing options available
  • No minimum credit score
  • Maximum loan limit of $100,000
  • Terms of between 12 and 84 months

Application Process’s service is available exclusively online and you must be at least 18 years old to apply.

As part of the application process, you’ll need to provide:

  • Your name
  • Your address
  • Your monthly income
  • Whether you own or rent your home
  • Length of time at your current address
  • Your housing costs
  • Your employer’s name
  • Length of time with employer
  • Whether you have filed for bankruptcy in the past three years
  • The type of bank account you have
  • Your email address

At this stage, the company will ask you to perform a credit check through its service or to enter your score yourself, if you know it. Likewise, it will give you the opportunity to obtain a car insurance quote through its service or to enter the details of any quotes you have already received.

Once you have submitted this information, will search its panel of lenders for a suitable match in your area. If a lender is found, you should receive an update within 48 hours.

Although we found the process of submitting an application straightforward, we did not receive a response to our application.

Loan Types and Terms

As an auto loan marketplace, can connect you with lenders for finance and refinancing loans on both new and used cars. The amount you can borrow will depend on factors such as the type of vehicle you’d like to buy, your credit rating, and your income, and the types of loans will ultimately depend on the loan providers available to you. Loan features include the following.

  • No minimum credit score
  • Terms from 12 to 84 months
  • APRs from 5.0%-24% 

Repayment Options offers repayment terms of 12, 24, 36, 48, 60, 72, or 84 months.

Although the amount of interest you repay will depend on factors such as your credit history and the amount of your loan, the company states that APRs are typically between 5.0% and 24%.

As does not offer loans itself, the loan provider you choose will set the terms and conditions of your loan. It is therefore important that you read these carefully before committing to any offer.

How Safe Is It? 

From a technical standpoint, the company takes several precautions to project your data.

After it reviews your application, the company won’t store any of your personal details, and any information you do send is protected by SSL encryption.

There is also a detailed privacy policy on its website.

Help & Support does not provide any contact details on its website.

How Compares

CarLoans.comCarvanaLending Tree
APR5.0%-24% (varies by provider)
From 1.49% (varies by provider)
Minimum credit scoreNone
Loan amountUp to $200,000
Loan term12 to 84 months
36 to 72 months
12 to 72 months
Best forPoor- and no-credit borrowers
Purchasing a pre-owned car online
Comparing a range of lenders


If you have a poor credit history or have never previously borrowed money, could be an effective way to finance your new car. And unlike many of its competitors, it will consider your application if you have been declared bankrupt or are unable to afford a downpayment. And while we would have liked to provide contact details for customer support, we were pleased to see that loan rates begin at just 5.0% and that financing is available for both new and used cars.


We compiled this review by visiting the company’s website, using its online quote tool, and comparing its service against its competitors.

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BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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