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A vehicle is nearly as important as a job here in the United States. Without a vehicle you won’t get very far in most cities, unless you’re willing to regularly shell out big bucks for a taxi or other driving service.

But if your credit is less than stellar, you’ve recently gone through a bankruptcy, or you have other credit concerns, getting approved for a car loan might seem next to impossible. Luckily is here to help you find a lender who can meet your needs!

In this review, we’ll give you the nitty-gritty on how to apply for a car loan and what you can expect during the process.

Company Background has been helping customers find car loans since 1994. They focus on lenders and consumers who agree to a set of ethical practices, ensuring that neither party gets a negative surprise during the lending process.

The website is owned by Internet Brands, which also operates CarsDirect helps consumers find up-to-date pricing information for vehicles, helping them stay informed and get the best deals.

Contact Information for

You can contact through their online inquiry page, located here. If you’re interested in sending snail mail, their address according to their website is:

Auto Credit Express
909 N. Sepulveda Blvd.
El Segundo, CA 90245

How Does work? helps all types of buyers – including those with less than perfect credit – find cars. After you fill out their three-minute application, reviews your information and helps you find a lender in your area.

They know you’re probably in a hurry to buy a car, and they respond quickly. In fact, their website says you can expect to be contacted within 24 hours of submitting your application, but sometimes within just a few minutes! Loan Options

Car loans are available for buyers in all types of situations. If you’re in any of these situations, reviews your application and can help you find a lender willing to work with you.

  • Bad credit (including those with a FICO score of 620 or less)
  • Bankruptcy (both Chapter 7 and Chapter 13)
  • No credit at all
  • Financing at Buy Here/Pay Here car lots

What fees does charge? doesn’t charge any fees for their service.

What is the APR with

As with any lending process, the rate you’ll get on your loan with depends on many factors. Your credit, your location, and the type of vehicle you buy can all affect your APR. The APR that lenders with charge can range from 0% to 25%, so be sure to read the fine print and have a complete understanding of your interest rate and how much you’ll pay for your car over the life of your loan.

Pros (What we like)

  • Makes applying for a vehicle simple
  • Fast application and approval process
  • Quick responses
  • Allows co-applicants
  • Online loan estimator to help you determine what rates you can afford

Cons (What we don’t like)

  • Potentially high interest rates
  • No phone number or live chat option on their website
  • Only works with specific lenders, potentially limiting your vehicle choices
  • Possibly limited to certain states? Emailed 11/30 to confirm


What do you need to qualify for a loan?

During the application process, will ask for your name, address, your monthly rent or mortgage amount, your income as well as how long you’ve been at your current employer, along with your social security number.

Since they work with a wide variety of lenders, there is no minimum credit score requirement. They even work with people with no credit.

Generally, when taking out any loan, you’ll need a government-issued I.D. of some type, as well as proof of employment, citizenship, income, and residence.

Does do a hard credit pull?

No, they only do a soft pull to pre-qualify you.

Is legit (i.e. is it a scam)?

Car.Loan is operated by Internet Brands, an online media company. While there aren’t many Car.Loan reviews on the internet, it does appear to be a legitimate company. We haven’t been able to find any complaints about online. However, we couldn’t locate positive or negative reviews on Trustpilot or the Better Business Bureau either. As with any service, please be wary of submitting sensitive information online.

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