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Are Auto Loans Through A Car Dealer A Good Idea?

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How Much Car Can You Afford?

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What To Look For When Shopping For An Auto Loan

 

 

 

 

 

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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?

TopConsumerReviews.com 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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

Auto Loans Reviews

5 stars
CARCHEX

CARCHEXTopConsumerReviews.com 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
Site

4.5 stars
Lending Club

LENDING CLUB

Lending Club provides personal loans that can be used for auto loans in the amount of $1,000 to $35,000. They also may offer more affordable lending rates than a traditional auto loan. Lending Club is a leader in facilitating personal loans between borrowers and individual lenders. Read More... Visit
Site

4.5 stars
Road Loans

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
Site

4 stars
Avant

AVANT

Avant is a relative newcomer to the personal lending business, but they can provide auto loans to borrowers with both excellent and less-than-perfect credit. They don't charge any fees for car loan applications or loan prepayments. For those people who'd like to get their money in as little as 24 hours, Avant is a good choice worth considering.
Read More... Visit
Site

4 stars
Automotive

AUTOMOTIVE

The Automotive 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
Site

3.5 stars
Auto Credit Express

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
Site

3 stars
Prosper

PROSPER

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
Site

3 stars
Springleaf Financial

SPRINGLEAF FINANCIAL

Springleaf Financial has a long history of providing personal loans to individuals. They've earned a strong BBB rating, but the website lacks details we think should be there. We also found some reports of high interest rates and fees. Read More... Visit
Site

2.5 stars
USAA

USAA

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
Site

1.5 stars
Web 2 Carz

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
Site

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, itís 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 dealerís 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 vehicleís 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 Ė purchase price, insurance, maintenance and financing Ė and generate a monthly cost for you. Itís always good to make use of these kinds of resources to be certain youíre 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.

 

 

 

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Get Your Auto Loan with CARCHEX Today!

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