hamburger icon
Auto Loans Made Easy For Any Credit Situation

Auto Loans Made Easy For Any Credit Situation

Since 1998 our lender network has helped millions of customers get new and used car loans with custom tailored financing.

  • No-hassle process
  • Start loan process in 60 seconds
  • Bad Credit / No Credit / Bankruptcy accepted
  • No obligation
5,000,000 + customers helped since 1998
853 Loan Requests processed today

How We Can Help You with Auto Financing

We understand that good people can experience credit challenges.

We are ready to help with easy auto financing options for any credit situation.

Bad Credit
Bad Credit If your credit score is under 670, it can be hard to get an auto loan through a traditional lender. Our dealers specialize in tailoring plans to get you financed even with bad credit.
No Credit
No Credit We know how difficult it can be to get a car loan with no credit history. Fortunately, our dealers are experts at helping people like you establish credit with customized car loans.
Bankruptcy We understand the need for a second chance after bankruptcy. Our dealers use lenders who understand this and will create a plan to help you start rebuilding your financial future.

Getting a Car Loan

Explore the process of how to get financing for a car.
Getting a Car Loan
Can I Buy a Car in Another State? You can certainly finance a car from another state, but the process is a little more tedious than buying one in your home state. Depending on where you live, and the state you plan on buying the vehicle in, the process of paying tax, title, and license fees can change. Buying a car in another state doesn't
Understanding Car Loan Amortization Schedule and Calculator When you take out a car loan it's important that you know how your payment schedule will pan out over the life of your loan. In order to see your payment breakdown, including how much of your monthly payment is going toward principal and interest, you need to look at an amortization table. Amortization
How Much Should I Put Down On A $30,000 Car? With the high price of cars today, some of the most desirable vehicle models are hitting the $30,000 range, and it's easy to wonder just how much you should be putting down when financing a car. Here's a look at down payment examples for cars priced at around $30,000 and why you may want to start saving

Bad Credit Car Loan

Learn how a car loan works when you have bad credit.
Bad Credit Car Loan
What Is the Average Interest Rate for a Car Loan With Bad Credit? The average interest rate for a car loan is higher if you have bad credit than if you have a good credit score. This is because lenders charge higher interest rates to borrowers with poor credit. Before financing a vehicle, you should look up the average interest rates you can expect based on your credit
California Car Title Loans: Pink Slip Collateral Loans It is typically pretty easy to get a car title loan in California, and all you need is your vehicle's pink slip or California certificate of vehicle ownership as collateral to loan agencies. This type of car loan is preferred over other methods such as a car title pawn, wherein the lender will hold on
What is the Interest Rate on Used Car Loan? When you're choosing between a new and used car there are several differences to be aware of, including the difference in interest rates. If your credit is less than perfect you're going to be paying more interest on an auto loan than if your credit is good. We cover what determines interest rates on

Car Refinancing

Find out how refinancing may help cut your interest rate to lower your payment.
Car Refinancing
How Soon Can I Refinance My Car? If you didn't get the deal you were looking for, there's technically no time limit that you have to wait to seek refinancing on your car. However, you're not likely to find a lender willing to take a stab at drawing up a contract as soon as you've driven off the lot. Typically, lenders like to see at
Auto Loan Refinancing: How Does it Work? Taking out a bad credit car loan is a great way to help you improve your credit score over time as long as you manage it properly. Sometimes, as your loan stretches out in time, it can become difficult to manage for various reason such as a change in your finances or an unexpected hardship. If you need
Does It Cost Money To Refinance a Car? Refinancing is done to save borrowers money by reducing their monthly payments on a loan such as a car loan or mortgage. The process may not have a flat fee associated with it, but it could cost you in the long run if you're not careful. Refinancing an auto loan takes a few steps and the outcome can

How It Works

Submit Your Form
1. Submit Your Form

Submit a free loan request with no obligation using our secure form.

Review Your Financing Options
2. Review Your Financing Options

Our dealer partner will contact you to discuss customized financing options.

Find The Right Car
3. Find The Right Car

Our dealer partners have a wide selection of new and used vehicles to meet your needs.

Drive Away Happy
4. Drive Away Happy

Rest easy knowing that your financing was specifically tailored for you.

Customer Reviews

These Folks are fantastic!

I have now over the course of 10 years purchased three cars with the help of CarsDirect. These folks are fantastic. I will never buy a new car any other way.

- Jay M.

Auto loans and Refinance FAQs

Payment & Fee
Is there a fee to submit a request?
No. We offer a free, no obligation auto loan request process. There is no fee for using our service.
What monthly payment can I afford?
When purchasing a new or used vehicle, it is important to not overextend yourself financially. One of the most effective ways to raise low credit scores is to make monthly payments on time. Experts suggest that you should not allocate more than 20% of your take-home pay toward monthly auto payments. The down payment, interest rate, and term of your loan will also determine how much you can afford to spend on an automobile. As a general rule of thumb, divide your monthly income by 2 to determine your disposable income. Let's say you make $3,000 per month. Your disposable income would be $1,500. From that, you would deduct any monthly payments you currently have. The number left over should give you an estimate of how much you can afford per month.
What interest rates will I be paying on my auto loan?
CarsDirect is not a lender; we do not establish your interest rates. Interest rates will generally vary depending on the amount of your loan, the type of car you are looking to buy, and ultimately your credit report information. After submitting a request form, you will be contacted by a credit processor who will provide you with more specific details regarding interest rates, monthly payments, and other loan terms. There is no obligation to accept any of the car loan terms offered to you.
Will I need a down payment on my car loan?
Depending on your credit status, you may or may not be able to get financed with little or no money down, although if you have some credit discrepancies, a 10% down payment is usually suggested.
Process & Credit Score
Is CarsDirect a lender?
CarsDirect is not a lender. We have the nation's largest network of dealerships specially equipped to help buyers like you get financed even with bad credit.
How do you get me approved with bad credit?
CarsDirect is not a lender; we do not approve or decline loans, but by filling out our secure, online auto loan request form, you are giving us the ability to locate dealerships and lenders that can work with you directly to get you approved. Interest rates are based on your loan amount requested. Additionally, lenders will often take into consideration your financial situation – especially if you have been recently divorced, relocated or laid-off. Lenders consider more than just your credit score when deciding whether or not to extend credit.
Will an auto loan impact my credit score?
A hard inquiry will impact your credit. The good news is that rate shopping within a 14 to 45-day period will generally be reflected on your credit report as a single inquiry.
Do I need to select a car from the assigned dealer?
After submitting a no-obligation auto loan request, we will match you with a CarsDirect partner near you. Your dealer will review vehicles in their inventory that meet your needs.
How fast can I get my car?
On average, auto finance companies are able to process car loan applications instantly, or in less than 24 hours. During this time, be prepared to provide additional documentation such as car insurance, proof of income, proof of residence, and any other provisions required by the lender. Generally, our customers are able to purchase a vehicle within 24 - 48 hours from the completion of the application process with their lender.
Loan approval is not guaranteed and is subject to credit application and approval of the lender. Individual loan terms may vary.