Auto Loans

LendingClub is a financing company that offers different banking solutions, including personal and business loans. However, it does not offer auto loans but rather offers to refinance auto loans that customers have already borrowed. The company is accredited by the Better Business Bureau (BBB) and has earned an A- rating.
 

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LendingClub claims that it provides refinancing offers in just minutes after the customer fills out an easy and fast application process that requires no origination fees or prepayment penalties if you decide to pay the loan off faster. However, the Federal Trade Commission filed a complaint against the company last year, accusing it of deceptive practices, including stringing customers along who never received approved loans.

RefiJet is an auto loan refinancing service provider that has an excellent BBB rating of A+. The company is based in Denver, Colorado and was founded in 2016. Its mission is to help its customers qualify for a refinance loan on their new cars.

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Read our full RefiJet review here to know more.

Their auto refinance rates are very low and start at only 2.49%! RefiJet can help car owners lower their car payments by an average of $150 per month. Also, pre-qualifying for an auto loan (refinanced) will not affect your credit score.

Founded and established in August of the year 1967, Coastal Credit Union is the second-largest financing company in North Carolina. The company offers various banking options, including savings, loans of all types, checking & credit cards, mortgages, online banking, investments, and more. The company is membership-based and operates in all 50 states through a network of 5,000 shared branches, and 80,000 surcharge-free ATMs.
 

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Coastal Credit Union offers auto loans for those with a minimum credit score of 520, which means it supports bad credit as well. However, as is the situation with any loan lending company, the interest rates get better and lower the higher the borrower's credit score is. They allow borrowers to pay back the loan during a period of up to 84 months (7 years), and their lowest recorded APR is 2.50%, which is low compared to other lenders on the market.

Chase Auto is the car financing unit of J.P. Morgan Chase & Co., also known as the largest commercial bank in the United States. The lender allows borrowers to shop for Chase auto loans, finance new and used vehicles, and manage their Chase accounts all in one place. Dealing with one of the largest banks in the country certainly has its bonuses, but there are a few important things to consider as well, especially if you’re shopping for a Chase auto loan.
 

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Read our Chase Auto full review here.
 

Chase Auto provides financing to car buyers with all types of credit, including bad and no credit. However, like other financing companies on the market, it reserves the best rates for those with an excellent credit score. Each loan lender sets its own criteria for what “excellent credit” means, but it generally equates to a credit score of between 740 and 850, according to Experian. Applicants in this range may find new-car loan rates as low as 4.19% and used-car interest rates of just 4.34% from Chase Auto.

Auto Credit Express is an auto loan broker company; it was founded in 1999 and has been connecting people with credit problems to car dealers and lenders so they can finance and buy a new or used car while re-establishing their credit.

Read our full Auto Credit Express review to know more.

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Auto Credit Express is one of the top-rated auto loan providers in the market, earning 4.6 stars on Trustpilot from over 3,108 reviews and an A+ rating and accreditation from the Better Business Bureau.

Auto Approve was founded in 2016 and it has been and continues to offer to connect customers with their ideal auto loan refi rates. While the company is not a loan lender itself, Auto Approve works with a wide lender network consisting of banks, finance companies, and credit unions across the United States. Through the Auto Approve website, customers can choose to refinance loans for their cars, trucks, SUVs, motorcycles, recreational vehicles (RVs), all-terrain vehicles (ATVs), boats, and more.
 

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Auto Approve connects customers with partner loan lenders, including finance companies, commercial banks, credit unions, and other financial institutions. Auto Approve’s outstanding relationship with the loan lenders it partners with can help customers get bargain rates on auto refinancing. However, it is important to mention that your credit score will be a big factor in how much you can save on interest charges. The higher your credit score, the better the interest rates will be for you.

The LendingTree, LLC was founded by Douglas ‘Doug’ Lebda in 1997 and the company went national in 1998. Their primary focus is to match customers who are looking for loans with banks and lenders. When looking for the best rates for an auto loan, LendingTree offers a unique experience because they provide you with offers from their network of over 300 banks and lenders. This allows them to offer their customers multiple competitive LendingTree auto loan rates that are easy to compare with one another.
 

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While LendingTree does not actually provide you with the loan, they are able to pull from their network and offer loans to people regardless of their credit score.  They have a reputation for introducing customers to the absolute lowest interest rate loan offers that fund lightning quick. There are many advantages and a few disadvantages to LendingTree Auto Loan offers which we will review in this article. 

Lightstream has a handful of finance options for significantly low-interest rates. Besides offering many financing solutions, including personal and auto loans, LightStream has low and fixed interest rates; fixed rates give peace of mind for those who prefer predictable payments, which won't change in cost over time.

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LightStream offers low and fixed interest rates ranging from 3.49% –  20.49%, with no restrictions on mileage, making it more flexible for the borrowers to have any car of their choice, and you can get your funds as soon as the same day of applying.

Read more on our LightStream full review.