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Finding an auto loan is no longer limited to what your current bank will offer or what the dealer brings to the table. You can take control of your next auto loan terms by shopping online for the best deal available. Several auto loan companies post the most competitive auto loan rates online to attract your business.

Get Your Auto Loan With CARCHEX Today! In today's economy, may people have less than perfect credit. Many companies offer car loans to those who have suffered bankruptcy, late payments or a low credit score. By researching and finding the best auto loan, you'll potentially save hundreds to thousands of dollars each year in payments and interest over other auto loans.

However, not all auto loan companies are the same. Before you apply for your next auto loan, consider the following important factors:

  • History. Does the auto loan company have a history of pleasing the customer and using quality business practices? How do they rank at the Better Business Bureau?
  • Focus. What type of auto loans do they offer? Are their auto loans geared for all levels of credit?
  • Application Process. What is the process of applying for the auto loan? has reviewed and ranked the best Auto Loans available today. We hope these reviews help you find the most affordable loan available for you!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Auto Loans Reviews

5 stars
CARCHEX Best-In-Class Blue Ribbon Award

CARCHEX provides excellent options for borrowers looking to finance or refinance their auto loan. In addition to auto financing and refinancing, CARCHEX also offers vehicle inspection services, auto warranties, car buying tips, and more. Their website is easy to use and they've earned a strong BBB rating for their services. They earn our highest rating. Read More... Visit

4.5 stars
Road Loans


Road Loans has built a top-notch website that streamlines the car loan process. They've been in business over 10 years and support flexible financing for a full range of credit scores. If you're in the market for a car loan, Road Loans is an option you should consider. Read More... Visit

4 stars


The website is well organized, educational and informative for anyone in the market for a new car. During your search for also apply for a loan online - to be matched with a number of available lenders. Read More... Visit

3.5 stars
Auto Credit Express


Auto Credit Express specializes in bad credit car financing. The easy application process and available tools make Auto Credit Express the go-to website for those with damaged credit. Read More... Visit

3 stars


Prosper offers personal loans for cars via bank and individual lenders. For those needing a non-traditional car loan or prefer that flexibility of a personal loan option this is one option to consider. Read More... Visit

3 stars


USAA provides auto loans to military personnel and their families. Issues with the website layout and customer complaints at the BBB brought some concern. Read More... Visit

1.5 stars
Web 2 Carz


Web2Carz is a busy and unappealing website. Many of the car loan navigation buttons were not functioning during our review. We recommend you use a higher ranked auto loan company for your needs. Read More... Visit

What You Should Know Before Getting An Auto Loan

Buying a new vehicle can either be an exciting experience, or one that stresses you to the max. For some people, it can even be a combination of the two. Sometimes people get caught up in the excitement of buying another vehicle, and find themselves being talked into more than they can reasonably afford. And once the deal is done, it’s hard to undo it.

Rushing into buying a new or used vehicle is never a good idea. Unlike other investments, such as real estate, vehicles are a very poor investment. They begin to depreciate in value the minute they are driven off the dealer’s lot, and continue to lose value for every year of ownership. However, for most people, vehicles are a necessity in order to get to work and other places they need to go. If you are lucky enough to live in an area with stellar public transportation, a vehicle is something you likely can do without. But for anyone living outside the reach of decent public modes of transport, a vehicle is a necessary evil.

Before buying any vehicle, whether new or used, shoppers should consider a few things.

First and foremost is to determine affordability. How much vehicle can you reasonably afford to own without going broke in the process? As a general rule, buyers should not spend more than 20 percent of their monthly income after taxes on a vehicle. If you are spending more than that, you risk overextending yourself financially and running the risk of ruining your credit report.

To estimate how much of a monthly payment you can afford, be sure to look at more than the purchase price of the vehicle. You must also factor in the interest rate, maintenance fees and insurance for the vehicle. All of these things should be considered under the 20-percent umbrella rule.

Consumers also should do some hefty research on the best way to secure financing if they are unable to cover the full cost of the vehicle’s purchase price in cash. One of the best places to look for an auto loan is through online auto loan companies. Some of these businesses have access to a large number of loan companies and can automatically compare their auto loan rates, delivering only the best ones to you.

Some websites also provide a valuable tool when researching loans and interest rates. Consumers are able to use prediction software to plug in their local zip code and generate a list of the going interest rates in their area. Some online calculators also will take all of the factors involved in owning a vehicle – purchase price, insurance, maintenance and financing – and generate a monthly cost for you. It’s always good to make use of these kinds of resources to be certain you’re not overextending yourself financially.

Another place to look for an auto loan is with your own financial institution. Having a solid financial history with a bank can help to secure a good deal. With longstanding customers, a bank may be able to negotiate a fair interest rate for you, and certainly better than what you could find through the car dealer.

Securing a loan through the auto dealer is usually not the best idea. It usually is the most expensive option when it comes to financing. While auto dealers may have a variety of financial institutions to tap in order to get a variety of interest rates and offers, they also are permitted to add up to a 3-percent fee on to the total in order to compensate themselves for securing the loan. So as a general rule, auto dealers should be the last place you look for a loan.




UNITE HERE seeks US military servicemembers with auto loans from MILES program
UNITE HERE is seeking stories from US military servicemembers who have taken out auto loans through the MILES program.
Publication Date: Wed, 11 Feb 2015 07:07:00 -0800

Graebel University Hosts Ninth Annual Global Relocation Policy Summit
Graebel University is hosting the ninth annual Global Relocation Policy Summit, February 24 through 26.
Publication Date: February 25, 2015

JP Morgan is being investigated for marking up auto loans based on race
The Department of Justice is investigating JP...
Publication Date: Tue, 24 Feb 2015 13:36:00 -0800

The No Credit Check Auto Lender Shares 6 Car Buying Mistakes in New Article
The trusted auto lender, Complete Auto Loans, shares 6 mistakes to avoid when buying a car.
Publication Date: February 20, 2015

U.S. online marketplace for auto loans debuts
By Peter Rudegeair NEW YORK (Reuters) - DriverUp, a U.S. online marketplace that allows hedge funds to invest directly in car loans, launched on Monday with a $50 million investment from venture capital firms. Executives at DriverUp told Reuters that the company is expecting to sell at least $50 million of auto loans to funds, wealthy individuals and other investors through its website this year ...
Publication Date: Mon, 23 Feb 2015 12:00:34 -0800

Genins AutoCare Celebrates 23 Years of Donating to Madison Ronald McDonald House
Auto repair shop takes pride in helping the community with more than their car troubles.
Publication Date: February 23, 2015

Community Housing Capital Receives $5 million Investment from TD Bank, America's Most Convenient Bank
This 3-year credit facility will support CHCs lending activities along the eastern seaboard areas served by TD Banks footprint.
Publication Date: February 23, 2015

Auto loans surge, but who's buying may surprise you
American auto buyers are borrowing more than ever, but the people taking out auto loans may surprise you.
Publication Date: Thu, 19 Feb 2015 03:00:00 -0800

TruWest Credit Union Expands Field of Membership
Individual and Business Membership Now Open in Pinal County, Arizona
Publication Date: February 27, 2015

New Hires Fill Two Key Leadership Posts at PenFed
CFO and CIO positions staffed with proven financial services professionals.
Publication Date: February 25, 2015

Auto loans surge to record high
American auto buyers are borrowing more than ever, but the people taking out auto loans may surprise you.
Publication Date: Thu, 19 Feb 2015 03:14:07 -0800

Credit Union Lending Reaches Record Levels in 2014
Credit unions granted a record $355 billion in loans in 2014 while also achieving a record average member relationship of $16,300 according to data from Callahan & Associates.
Publication Date: February 26, 2015

Next subprime bubble to burst: auto loans
Subprime auto loans are on the rise and, just like subprime mortgages, are claiming untold victims. Samuel Perez, 32, is still dealing with fallout from his experience with a subprime...
Publication Date: Sat, 07 Feb 2015 20:15:33 -0800




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