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      January 19, 2019

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Cars Direct vs Automotive

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To help you find the Best Auto Loans, TopConsumerReviews.com provides you with an in-depth comparison of Cars Direct and Automotive.

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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.

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.

Continue reading below reviews

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2019

Auto Loans Reviews

4 stars
Cars Direct

CARS DIRECT Visit Site

BBB Rating:

Not Accredited

Cars Direct is a website where you can search for new and used cars, trade-in an existing vehicle, or obtain automotive financing. They act as the broker in the auto loan process, which means the auto loan is not through Cars Direct, but through one of their trusted dealer partners which offers financing terms based on customer applications submitted through Cars Direct. Auto loans for new and used cars, as well as refinancing loans can be found through Cars Direct.

Cars Direct has an easy online application process, which approves some customers in as little as 60 seconds or with an income of at least $500/week. These benefits may be part of the reason they've helped over 5 million drivers get approved for auto loans since opening for business in 1998. To begin the process, fill out and submit the online application. Next, a dealer partner will be in contact within 24 hours to go over the customized financing options with you. Now the fun part, select the correct vehicle for you and drive away in your new or used car. No application or processing fees are paid to Cars Direct through the entire process.

Cars Direct is headquartered in California, but works nationwide with dealerships so customers from across the country are able to use their service. They work with customers who have all kinds of credit: great, good, below average, bad, and even those with no credit or credit which includes a bankruptcy. Along with providing an easy auto loan process, Cars Direct also has advice on many related topics, including managing your auto loan, types of auto loans, car loan rates, and more.

Cars Direct is not providing the auto loan, but rather a dealer partner. As a result, the choice of cars made available through Cars Direct is limited to where the loan is originated. Once the shopper qualifies for the loan they are provided a list of car options to choose from. This may be unfavorable for those that already have their care picked out and simply need a loan.

The only downside to using Cars Direct is the inability to shop for any car with a loan obtained through Cars Direct. Other than that, the process and nationwide network is easy and thorough. Their longevity in the industry is also a plus, along with above average customer ratings found at multiple sites online. We rank Cars Direct among the highest for auto loans.

Visit Site

3.5 stars
Automotive

AUTOMOTIVE Visit Site

BBB Rating:

Not Available

Automotive is a California based company that provides a one-stop-shop for your car buying needs. You can analyze different makes and models of cars, search for new or used cars, apply for a car loan and find insurance - all from the convenience of your home at Automotive.

The Automotive website stands out as a well organized and informative resource for all of your car buying needs. We liked the layout and easy to find resources such as car maintenance, car reviews, estimating the retail value of cars and so much more.

One of the other helpful resources at Automotive is their free auto loan quote. The application process is very straightforward:

  • Input name, contact information, employment information, housing, social security number and other general information.
  • A credit check is performed and your information is verified.
  • If a lender is matched to your financing needs you will receive a phone call to discuss.

Automotive's nationwide database of lenders is said to work with all credit scores and situations. We also found that the approval process was fast and efficient but that may vary on more challenging situations.

We liked the Automotive website and found it educational and informative as well as easy to navigate. We would have liked more history and an available Better Business Bureau rating but still found the website a solid choice for your car loan needs.

Visit Site

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!

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