Auto Loans
Top Companies in 2024
Citizens One Auto Finance vs Upstart
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Pros
- Easy application process
- An industry leader in automotive financing
- Various automotive shopping options
Pros
- Advanced technology
- Fast and easy loan application
- Flexible loan terms
- Auto loan calculator
- Custom rates
Cons
- Does not support bad credit
- High Annual Percentage Rate (APR)
Cons
- Limited physical branches
- Technology dependency
- Only offers car refinance loans
- Lack of transparency
- Not nationwide
Quick Stats
- Loan Terms : Up to 72 months
- Minimum Accepted Credit Score : 640 - 800
- APR : 6.52% - 15.28%
Quick Stats
- Loan Terms : Undisclosed
- Minimum Accepted Credit Score : Undisclosed
- APR : Undisclosed
- BBB Rating : A+
Selling Points
- Easy application process
- An industry leader in automotive financing
- Various automotive shopping options
Selling Points
- No application fees
- Prequalification without impacting credit
- 100% online application
- Low minimum or no credit score requirements
Multiple Financing Options
- Lease Buyout—Undisclosed
- Loan Refinancing
- New Vehicle
- Private Party—Undisclosed
- Used Vehicle
Multiple Financing Options
- Lease Buyout—Undisclosed
- Loan Refinancing
- New Vehicle—Undisclosed
- Private Party—Undisclosed
- Used Vehicle—Undisclosed
Additional Services
- Extended Warranty—Undisclosed
- GAP Insurance—Undisclosed
- Limited Warranty—Undisclosed
- Mobile Application—Undisclosed
- Online Account Management
- Return Policy—Undisclosed
Additional Services
- Extended Warranty—Undisclosed
- GAP Insurance—Undisclosed
- Limited Warranty—Undisclosed
- Mobile Application
- Online Account Management—Undisclosed
- Return Policy—Undisclosed
Eligibility Requirements
- Hard Credit Check
- Income—Undisclosed
- Minimum Credit Score
- Pre-qualification With Soft Check—Undisclosed
Eligibility Requirements
- Hard Credit Check—Undisclosed
- Income—Undisclosed
- Minimum Credit Score—Undisclosed
- Pre-qualification With Soft Check—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
Fees & Costs
- Documentation/Processing Fee—Undisclosed
- Late Payment Fees—Undisclosed
- Origination Fee—Undisclosed
- Prepayment Penalties—Undisclosed
- Title Transfer Fee
- Upfront or Application Fees
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—Undisclosed
- Cash—Undisclosed
- Check—Undisclosed
- Debit or Credit Cards—Undisclosed
- In-Person Payments—Undisclosed
- Mail-In Payments—Undisclosed
- Online Payments—Undisclosed
- Phone Payments—Undisclosed
Customer Support
- Articles and Videos
- —Undisclosed
- FAQs—Undisclosed
- Help Guides—Undisclosed
- Live Chat
- Phone—Undisclosed
Customer Support
- Articles and Videos—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Phone