How it Works

Why settle for a standard auto loan when you can get one customized to fit your needs?

Buying a new vehicle is an exciting thing, but we also understand there are things that can needlessly complicate the experience. Many consumers feel taken advantage of by unscrupulous dealers that tack on hidden fees or get you to apply for financing that comes with prohibitively high interest rates. This is why we set out to create the ultimate auto loan resource that gives you back the power throughout the transaction.

Don't settle for what the dealership tries to push on you, because you have options. We have helped countless consumers save money and drive away in the vehicle of their dreams by providing a comparison tool like none other. We have streamlined the process to minimize paperwork and frustrations. Most of the process can be completed online from the comfort of your own home! Furthermore, we have developed a free application that allows you to enjoy all of the functionality of our website on your iPhone or iPad.

You won't have to tirelessly research different lender options or study different amortization tables in order to get the best deal. We work with the best lenders in the business to ensure you get the most value when it comes to your car loan. You won't have to wait in line at a bank as we make the lenders come to you - and compete for your business! Best of all, there is no obligation to get a loan when using our resource! This means there is no pressure to buy at any time. You'll get the benefit of working with a trusted lending company without any of the hassles. Now that we have your attention, here is how the simple process works:

Step 1: Determine How Much You Can Afford

This is perhaps the most important part of the car buying process, but one that is often overlooked as the allure of hopping into a brand new shiny vehicle trumps the arduous financial planning aspect of it. To help you determine the amount you can afford, we have developed two tools: The Affordability Calculator and the Current Rate Finder.

You'll want to begin with the Affordability Calculator as this is the foundation of the entire transaction. You will use it to determine the length of the loan term, how much to use as a down payment and how much a trade-in will cut from the final expense. Once you have this information, it is time to use the Current Rate Finder that displays the current interest rates in your area. This will give you a realistic starting point for your budget. It is important to note that the rate finder tool provides an estimate and no rates are guaranteed until you have signed with your lender.

Our lenders strive to offer the best service to the widest demographic and will accept applications from anyone regardless of their credit ratings, but there are several requirements that each consumer must meet in order to be considered for approval from most providers:

Step 2: Apply for a Loan

Once you have your vehicle picked out and your budget in mind, you are ready to use our free auto loan application form. You can apply from the comfort of your own home computer or use the free Car Calc application from your mobile device. The form is secure so you can be confident your information is protected at all times throughout the application process. You'll begin by telling us about the loan you want including the amount requested, type of financing you require and the length of the loan request.

Next you will provide some basic information about yourself that lenders require in order to get a better idea of whom they are lending to. Don't worry, this information is kept private and will not be shared with anyone outside our network of trusted lenders. Once you have completed this, click the get approved button and you will be on your way to getting a custom auto loan quote delivered directly to you.

Step 3: Work With the Lender to get a Custom Loan That Fits You Best

Once you choose to go ahead with the custom financing offer, you will be working with a lender from here on out. They are committed to offering the best service in the industry, so you can rest assured that you are getting a good deal. If you have any questions, please feel free to contact us at any time. We understand the process can be confusing sometimes, so we work hard to address your concerns in a timely manner.

Ready to get into a new vehicle? Get started now!