September 1, 2015
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Are Auto Loans Through A Car Dealer A Good Idea?

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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 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 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
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

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


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

4 stars


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

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
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

2.5 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.




Rate Reset, IMM Partner to Bring New Software Solutions to Financial Institutions
Technology integration to support consumer retention and acquisition goals
Publication Date: August 18, 2015

Four Credit Unions Sign With Intuvo to Automate and Boost Cross-Sell Activities
Credit Unions to Implement Intuvos New Consumer Marketing Platform and Best-in-Class Marketing Automation Tools to Improve Lending Business
Publication Date: August 05, 2015

GrooveCar Partners with Service 1st Credit Union
National auto buying resource expands through new partnership
Publication Date: August 25, 2015

Hamilton Bancorp, Inc. Reports Profit for the First Fiscal Quarter Ended June 30, 2015
Hamilton Bancorp, Inc. reports a positive income and a $0.10 improvement in earnings per share for the first quarter of fiscal 2016 compared to the same period one year ago.
Publication Date: August 05, 2015

Cottman Transmission and Total Auto Care Partners With BoeFly To Help Franchisees Secure Financing
Cottman Transmission and Total Auto Care recently partnered with BoeFly, the online marketplace for small business lending, to offer its franchisees nationwide quick and simple access to financing. Most specifically, BoeFly is a new option for new and existing Cottman franchisees to efficiently and effectively secure bank financing for Cottman Transmission and Total Auto Care locations.
Publication Date: August 26, 2015

First Associates Loan Servicing, LLC to Provide Loan Servicing for CrediautoUSA Financial Company LLC Automotive Loan Portfolio
Loan servicing from First Associates enables Crediauto to rapidly scale its operations while achieving industry-leading security and compliance
Publication Date: August 18, 2015

Clearwater DUI Defense Attorneys at Carlson, Meissner, Hart & Hayslett, P.A. Release Tip Sheet to Remind Drivers of Florida's DUI Penalties
Drivers are encouraged to stay safe and avoid the serious consequences of driving under the influence.
Publication Date: August 28, 2015

GrooveCar Direct Adds Long Island Realtors Federal Credit Union
Growth continues as new partnership is announced for credit union online auto buying resource
Publication Date: August 21, 2015

Space Coast Credit Union Relocates Deltona Branch
SCCU recently relocated its Deltona Branch to a new, more convenient location in Orange City. A grand opening celebration was held for the new Enterprise Road Branch, including special auto loan and checking offers.
Publication Date: August 20, 2015

Credit Union Shares Reach $1 Trillion While Lending Continues to Thrive in the Second Quarter
Callahan & Associates' second quarter Trendwatch webinar reveals impressive credit union growth in both the savings and lending segments.
Publication Date: August 27, 2015

PayLink Payment Plans Connects to F&I Express Online Aftermarket Insurance Provider Network
F&I Express leads the charge to digitize automotive aftermarket insurance sales processes
Publication Date: August 18, 2015

Cloud Lending Solutions Launches Next-Generation Loan Origination Platform to Enable Real-Time Online Lending
Meeting online lenders need for speed, new CL Originate features include automated lending, unprecedented configurability and process management for the most complex loans.
Publication Date: August 12, 2015

AMDG Financial Offers Tips on Preparing for a Possible Fed Interest Rate Hike
While the timing remains uncertain, many financial experts speculate that the Federal Reserve could raise its key interest rate before the end of 2015. According to Wayne Titus, CPA, PFS, AIFA®, founding member of AMDG Financial, consumers should take steps now to prepare for the first Fed rate hike in nearly ten years, by considering three tips.
Publication Date: August 13, 2015

Mid-Atlantic Federal Credit Union to Offer Suite of Rate Reset Products
Maryland Credit Union Joins the Expanding Rate Reset Network
Publication Date: August 06, 2015




Get Your Auto Loan with CARCHEX Today!

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