Auto Loans

Fast Connection to Loan Services Online

Unsecured Personal Loans

Personal Loan up to $100,000. – Credit score starting at 720+ and an annual income over $85,000. required to apply

Personal Loan From $5000. to $100,000.

Personal Loan up to $50,000. – Credit score starting at 650+ and proof of regular income to apply

Personal Loan From $1,000. to $50,000. with 2-5 year term starting at 4.99%

Personal Loan up to $35,0000. – Credit score of 550+ to apply

Short and Long Term Personal Loan From $100. to $35,000.

Bad Credit Personal Loan up to $5,000. – any credit score can apply. Only apply with this provider if your credit score is below 580

Bad Credit Personal Loan From $100. to $2500.

Bad Credit Auto Loan

Bad Credit Auto Loan

Bad Credit Installment Loan

Take a look at our list of bad credit installemnt loan lenders

Private Student Loans & Student Loan Refinancing

Private Student Loan Offering

Student Loan Refinancing Offering

Debt Consolidation Loans – Many lenders offered in this link. Credit score starting at 580+ to apply

Debt Consolidation Loan providers From $5,000. to $100,000.

Debt Relief and Debt Settlement Services

Debt Relief – Creditor Relief, Creditor Management, Debt Settlement Services – No credit Score Requirements to apply

Debt settlement, debt management, debt negotiation
Struggling with debt over $10,000. and need help with debt relief or debt settlement
Call now: 877-672-1570

Bankruptcy Information

Bankruptcy information

Business Loan Services – Credit score of 500+ to apply

Business Loans From $5,000. to $500,000.

Credit Help

Credit Score Management – Struggling to qualify for a loan of any size

Helpful Information for Repairing Your Credit Score

Borrow for the car you want, with the terms you need

There are a huge number of auto loan providers online and in the world, so before you choose to borrow, make sure you understand what you’re getting yourself into. Here are a few big things to understand before you choose to borrow.

Auto Loan Considerations
Loan from Dealership Loan from Physical Branch Loan from Online Lender
Strengths: When dealers offer sales, the interest rates can drop to 0% Enable you to buy used cars from individuals, can have medium-low rates Are the easiest type to obtain, no need to even leave your home. Can sometimes have lower credit requirements.
Method of distribution As the desired vehicle. You never see the funds. As a paper check or wire transfer. As a wire transfer
Repayment Schedule Flexible, variable terms are usually offered More flexible, with additional financing options such as additional collateral The least flexible option, usually with fixed terms
Interest Rates Generally the lowest, frequent sales and discounts Medium, but can be lowered with good credit and collateral Highest rates, generally fixed term, fixed rate
Flexible, variable terms are usually offered More flexible, with additional financing options such as additional collateral The least flexible option, usually with fixed terms

Table Summary

  • Dealership loans are preferable when purchasing a new vehicle, but always wait for a sale and avoid paying high interest, or any interest at all if possible.
  • When obtaining easy money is the name of the game, online loans are what we’d recommend. You don’t even need to leave your home to get approved and have the funds transferred to you. This if often beneficial in situations where quick decisions are necessary or physical banks are uncooperative.
  • Loans from physical banks are great if your credit is good and you have a reputation with the bank. This can result in expidited service speed, lower interest, and choice loan terms.

Dealership considerations

When purchasing from a dealership, it is sometimes possible to get on-the-spot financing from a physical bank. Whether or not this is a good option depends on the rates that your bank quotes. Generally, we recommend getting financing directly from the car company, since they have a vested interest in your purchase. It’s mutually beneficial for the dealer to lend to you, since they get profit on the car already.

How to Structure your Car Loan

There are a couple of options here, fixed and variable rates of interest.
Fixed Rate: Your monthly payments will include both a fraction of the principle payment and a fraction of the total interst owed. Early in repayment, most of your payments will go towards interest, and later in your term most will go towards the principle.
Variable Rate: One of the big differences from fixed term loans is that payment amount can be different here from month to month depending on the number of days. Longer months will have higher payments, and shorter months (we’re looking at you, February!) will have lower payments. Some variable rate loans allow payment to vary from month to month on top of the variation in number of days. If you’re unsure, just ask your lender.

Early Repayment Options

Some lenders will allow you to repay your loan in full at any time, without additional charges. This type of lender will be preferred if you anticipate a pay increase. With negotiation, this option is generally available from dealerships and physical banks. Watch out for it for online loans, though!

How to apply

If you’re looking to purchase a vehicle directly from a dealership, we recommend that you head on over there and try to find financing directly. If, however you want to purchase a used car or your dealership has already turned you down, check out our directory. There are also several online auto loans available, if the other two options are somehow not possible for you.

Borrowing versus leasing

This is an issue that often crops up when people are thinking about getting a new vehicle. When it comes to leasing, you are basically renting a car for a protracted period of time. At the end of the day, this means paying a lot of depreciation. Leases are often also hamstrung by a low kilometer limit, since the car is never yours and still belongs to the manufacturer.

With all of this said, leasing can be preferable to direct financing if your monthly income is high, but you have a low amount of cash, or if it’s important to you to always be driving a new vehicle.

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