Auto Loans
Walk into the dealership already approved.
New, used, and refinance auto loans with a rate you can lock before you ever negotiate a price.
5.4%
APR from, new vehicles
72 mo
Longest term available
60 sec
Average approval time
Loan estimate
Vehicle price · $28,500
Down payment · $2,000
Est. rate · 5.4% APR
Est. payment · $431/mo
Compare
New, used, or refinance — compare rates.
Your exact rate depends on credit profile, term, and vehicle age.
| New (0–1 yr) | Used (2–7 yr) | Refinance | |
|---|---|---|---|
| APR from | 5.4% | 6.1% | 5.7% |
| Max term | 72 months | 60 months | 72 months |
| Approval time | Under a minute | Under a minute | Same business day |
| Check my rate | Check my rate | Start refinance |
Why finance here
A rate check that doesn't touch your credit score.
Soft-pull rate check
See your real rate before you apply, with no impact to your credit score.
Any dealership, any private seller
Financing works the same whether you're buying from a lot or an individual.
No prepayment penalty
Pay the loan off early any time without an extra fee.
Pre-approval letter included
Walk in with a locked rate and negotiate the price on its own terms.
FAQ
Questions people actually ask.
Yes, auto loans cover private-party sales as well as dealership purchases.
Approvals are valid for 30 days, giving you time to finalize the vehicle.
Yes, refinancing an existing auto loan is available and often lowers the monthly payment.
Check your rate before you shop.
A soft credit check shows your real rate in about a minute.
Check my rate