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      December 13, 2019

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CARCHEX vs Instant Car Loan

Best Auto Loans

To help you find the Best Auto Loans, TopConsumerReviews.com provides you with an in-depth comparison of CARCHEX and Instant Car Loan.

To see ALL of our reviews for the Best Auto Loans, please Click Here

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.

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.

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Best Reviews

2019

Auto Loans Reviews

5 stars
CARCHEX

CARCHEX

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BBB Rating:

A+

TopConsumerReviews.com Best-In-Class Blue Ribbon Award CARCHEX is a fantastic place to find the best auto loans for your next car, or to refinance your existing one. Their easy-to-use website quickly offers flexible financing plans that can meet any type of credit situation. CARCHEX is a one-stop shop for your auto loan needs.

At CARCHEX, the car financing process is quick and easy. They have relationships with top car lenders that will compete for your business. This helps ensure you get the best rate possible for your car loan. And since CARCHEX deals with more than one car lender, they can find auto loans for borrowers from all 50 states, and with a wide range of credit scores.

The auto loan quote process with CARCHEX is very straightforward:

  • You complete an online request identifying whether you need a new car loan, a used car loan, or want to refinance an existing auto loan.
  • You enter the car's year, make, model, and mileage information, followed by your contact information and employment status.
  • CARCHEX sends your information to the lender partners that they determine are the best fit for your needs. These lenders contact you with details of their auto loan offers.
  • You sit back and choose the best loan for you.

CARCHEX has been in the car business for over 10 years and provides a host of auto-related services. In addition to auto loans, they also provide nationwide vehicle inspections and extended auto warranty brokerage services. You can also find car purchasing tips, vehicle history reports, and a wealth of car buying information at their website.

CARCHEX holds an impressive A+ rating from the Better Business Bureau. They also have a list of well-known business partners and endorsees such as Pat Goss, Cars.com, RepairPal, LendingTree Autos, Kelley Blue Book, and more.

CARCHEX is a fantastic website to use when shopping for a new or used car. Their auto financing process means lenders will compete for your business. Along with their vehicle inspections, extended warranties, and helpful information, CARCHEX is a one-stop shop of car buying resources. When you combine all this with an excellent reputation and focus on the customer, CARCHEX earns our highest rating.

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2.5 stars
Instant Car Loan

INSTANT CAR LOAN

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BBB Rating:

No accreditation

Instant Car Loan is an auto loan website catering to customers of all credit types. Good or bad, those with repossessions or past bankruptcies, and first time buyers can find the best auto loans with Instant Car Loan. Instant Car Loan takes the role of a middle-man in the auto loan process. They provide the functionality to easily assist customers who are looking for the best auto loan they qualify for. Instant Car Loan has strategic partnerships with hundreds of the top dealers in the country so no matter where you are located, they've got you covered.

Instant Car Loan has been getting customers safe and trusted auto loans for more than ten years, and are currently helping more than 35,000 people per month get auto financing. No application or processing fees are associated with this service and some customers qualify for financing with zero down. Instant Car Loan has a no obligation 2-step application process:

  • Complete an easy auto loan application this application has 256bit SSL encryption which keeps your personal data secure
  • A trusted local lender contacts you and develops a personalized auto loan which fits your needs

At the time of review Instant Car Loan website claimed to have an A+ rating with the Better Business Bureau. Upon researching this we found both Instant Car Loan and its parent company to be unaccredited with the BBB.

Instant Car Loan has an easy and efficient model for connecting car shoppers with financing options, but the fact that there is a discrepancy with the BBB rating, whether it is an honest mistake or blatant false claim, compels us to give them a lower ranking.

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Continued from above

However, not all auto loan companies are the same. There can be wide differences in the features and auto loan terms that they offer.

Before you apply for your next auto loan, consider the following important factors:

  • Application Process. What is the process of applying for the auto loan?
  • 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?

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!

Refinancing your car loan can lower your monthly payment, and LendingClub's interest rates start at just 3.99%

LendingClub has been in business since 2007 and offers fixed-rate personal loans, auto loan refinancing, and more loan services.

Published:  Tue, 10 Dec 2019 13:14:00 GMT



This map shows the average monthly auto loan payment in every U.S. state

loan term and down payment into Carmax's auto loan calculator. The average cost for a new car is based on figures from Kelley Blue Book, Edmunds and J.D. Power, which came to $34,047. For used ...

Published:  Mon, 09 Dec 2019 17:40:00 GMT



The Big Business Of Subprime Auto Loans

The practice of subprime auto lending is booming across the United States, targeting customers with bad credit with loans that often fail. The companies behind it are making hefty profits.

Published:  Thu, 12 Dec 2019 01:00:00 GMT



InfraRisk Expands Auto Financing Cooperation with Toyota Finance, Taurus Motor Finance

MELBOURNE, Australia, Dec. 9, 2019 /PRNewswire/ -- InfraRisk Pty Ltd. (InfraRisk), a leading supplier of credit management solutions in Australia, today announced it has expanded cooperation in auto ...

Published:  Mon, 09 Dec 2019 02:06:00 GMT



Buyers Seek Relief From High Prices On New Cars and Trucks, In The Used-Car Lot

accounting for a record high of more than 51% of used-car and -truck loans for the quarter, according to Experian Automotive data. "Used, prime-plus reached the highest point we saw since the peak of ...

Published:  Mon, 09 Dec 2019 06:39:00 GMT



Car Finance Market Growth Boosting Strategies by Top Key Players Ford Motor Credit, Toyota Financial Services, Ally Financial, BNP Paribas

Dec 09, 2019 (Innovative Reports via COMTEX) -- Car financing includes range of financial products that provide funds to customers to acquire a car without full payment through cash or lump pay. There ...

Published:  Mon, 09 Dec 2019 00:32:00 GMT



Carsome raises $50M for its used-car sales platform in Southeast Asia

The new financing round, dubbed Series C, was funded by MUFG Innovation Partners (MUIP ... which pushes the four-year-old startup's total raise to date to $85 million. Carsome operates one of the ...

Published:  Wed, 11 Dec 2019 16:06:00 GMT



5 Reasons to Avoid Car Dealership Financing

That transparency to you is core to our editorial integrity, which isn't influenced by compensation. Car dealers don't always have your best interests at heart or on paper when it comes to financing ...

Published:  Fri, 06 Dec 2019 07:08:00 GMT



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