What can I apply? We have companies that can finance Cars and Trucks only. We have companies that can finance all types of vehicles (i.e. Cars, Trucks, Bikes, and RVs). Be sure to read the Ratings and Reviews of the companies. Are there hidden fees? There are NO HIDDEN FEES to apply or fund loans. What if I have Bad Credit? Most of our lenders are flexible and offer a vast range of loan programs to meet your needs. If you have a strong or limited history of credit there is no problem looking for a lending company. However, f you have less than perfect credit, our partners will attempt to find a lender who can help you. In order to give you specific information, they need to review a completed credit application. They will notify you about the decision by e-mail. What rates do you offer (APR)? The APR (annual percentage rate) will be based on the information contained in your loan application. Our partners may also include other information provided by credit reporting agencies. Key factors include your current income, your current obligations and your past credit history. Why should I pick the lending companies here? Special rate programs can be very attractive if they are offered for the vehicle that you want and have the appropriate terms. However, sometimes the loan terms are restrictive and you may desire different terms. Also, the dealers often offer cash rebates as an alternative to low interest rates. Choosing the cash rebate and financing with us may prove more attractive to you. What kind of cars can be financed here? How much? Only car that are 2001 or newer and less than 70,000 miles are considered by our partners. The minimum amount is $7,500. The amount can be higher in some states. How will I know if I am approved? All applicants will receive a decision specifying the loan amount and the terms in their e-mail. If your loan is approved, a Loan Specialist will contact you to help explain the terms of your loan and the process. Should we not be able to approve your application, you will receive a notification via e-mail and a letter in the mail explaining our decision. What do I do when I get approved? It's your loan draft and it's just like a bank check. When you complete your transaction with the dealer, you fill out and sign the check draft. Any franchised dealer within your state of residence may accept your check. It's just like cash to the dealer. How do I negotiate the price with the dealers? The key to negotiating the best price is to focus solely on vehicle price and not get distracted by financing. When you shop with your approved check it is just like shopping with cash, allowing you to limit the discussion to the price of the car. We suggest that you shop around before using your carloan check to purchase a vehicle. See Car Lending Partners | 
