Auto Loans
Top Companies in 2024
Citizens One Auto Finance vs PenFed
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Pros
- Easy application process
- An industry leader in automotive financing
- Various automotive shopping options
Pros
- Bonus cash offers on select car models
- GAP Insurance & ADR
- Low APR rates
- Approval within 48 hours
- Competitive APR (annual percentage rate) as low as 2.09%
- Great deals with huge discounts when purchasing a car through its auto-buying service
- Offers for credit union members
- Auto loans can go up to 110% of the vehicle value
- Simple and straightforward online application
Cons
- Does not support bad credit
- High Annual Percentage Rate (APR)
Cons
- Membership required to get a loan
- Social Security number required with initial application
- Best rates are available only for excellent credit scores
- You need to open a saving account before you can get a loan
Quick Stats
- Loan Terms : Up to 72 months
- Minimum Accepted Credit Score : 640 - 800
- APR : 6.52% - 15.28%
Quick Stats
- Loan Terms : 84 Months
- Minimum Accepted Credit Score : 550
- APR : 2.09%
Selling Points
- Easy application process
- An industry leader in automotive financing
- Various automotive shopping options
Selling Points
- Bonus cash offers on select car models
- GAP Insurance & ADR
- Competitive APR (annual percentage rate) as low as 0.99%
- Approval within 48 hours
- Great deals with huge discounts when purchasing a car through its auto-buying service
Multiple Financing Options
- Lease Buyout—Undisclosed
- Loan Refinancing
- New Vehicle
- Private Party—Undisclosed
- Used Vehicle
Multiple Financing Options
- Lease Buyout
- Loan Refinancing
- New Vehicle
- Private Party
- Used Vehicle
Additional Services
- Extended Warranty—Undisclosed
- GAP Insurance—Undisclosed
- Limited Warranty—Undisclosed
- Mobile Application—Undisclosed
- Online Account Management
- Return Policy—Undisclosed
Additional Services
- Extended Warranty
- GAP Insurance
- Limited Warranty—Undisclosed
- Mobile Application
- Online Account Management
- Return Policy—Undisclosed
Eligibility Requirements
- Hard Credit Check
- Income—Undisclosed
- Minimum Credit Score
- Pre-qualification With Soft Check—Undisclosed
Eligibility Requirements
- Hard Credit Check
- Income—Undisclosed
- Minimum Credit Score
- Pre-qualification With Soft Check
Fees & Costs
- Documentation/Processing Fee—Undisclosed
- Late Payment Fees—Undisclosed
- Origination Fee—Undisclosed
- Prepayment Penalties—Undisclosed
- Title Transfer Fee—Undisclosed
- Upfront or Application Fees—Undisclosed
Fees & Costs
- Documentation/Processing Fee—Undisclosed
- Late Payment Fees—Undisclosed
- Origination Fee—Undisclosed
- Prepayment Penalties—Undisclosed
- Title Transfer Fee—Undisclosed
- Upfront or Application Fees—Undisclosed
Payment Options
- Automatic Payments
- Cash—Undisclosed
- Check—Undisclosed
- Debit or Credit Cards
- In-Person Payments—Undisclosed
- Mail-In Payments
- Online Payments
- Phone Payments
Payment Options
- Automatic Payments
- Cash—Undisclosed
- Check—Undisclosed
- Debit or Credit Cards
- In-Person Payments—Undisclosed
- Mail-In Payments
- Online Payments
- Phone Payments
Customer Support
- Articles and Videos
- —Undisclosed
- FAQs—Undisclosed
- Help Guides—Undisclosed
- Live Chat
- Phone—Undisclosed
Customer Support
- Articles and Videos
- —Undisclosed
- FAQs—Undisclosed
- Help Guides—Undisclosed
- Live Chat
- Phone—Undisclosed