Current New Car Loan Rates
36-Month Term
4.9%
APR as low as
$5,000 – $100,000
60-Month Term
5.4%
APR as low as
$5,000 – $100,000
84-Month Term
5.9%
APR as low as
$10,000 – $100,000
Why Choose Lending Fast for Your New Car
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Direct Lender — No Middlemen
We fund loans directly. No dealer financing desks, no broker fees — just a clean, transparent rate from us to you.
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Pre-Qualify in Minutes
Soft credit pull only to check your rate. No impact on your credit score until you formally accept the offer.
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Zero Origination Fees
We charge no origination, application, or prepayment fees. The rate you see is the rate you get.
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Rate Lock Guarantee
Your approved rate is locked for 30 days, giving you the freedom to find the right vehicle at any dealership.
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100% Online Process
Apply, upload documents, get approved, and sign — all online. No branch visits, no fax machines.
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Any Make, Any Model
Finance any new vehicle from any franchised dealership in the US. MSRP-based financing up to $100,000.
✅ Eligibility Requirements
✓Must be a new vehicle (0 miles, current model year or prior year)
✓Loan amount between $5,000 and $100,000
✓Purchase from a franchised or licensed dealership
✓Valid US driver's license and Social Security Number
✓Verifiable income (pay stubs, bank statements, or tax returns)
✓Minimum credit score of 580 (lower scores may qualify with larger down payment)
✓US residency required · Not available in all states
✓Vehicle must carry comprehensive and collision insurance
How It Works — 4 Easy Steps
1
Apply Online
Fill out our 3-minute application. Soft pull — no credit score impact.
2
Get Pre-Qualified
Receive your rate and loan terms within 24 hours. Rate locked for 30 days.
3
Choose Your Car
Visit any dealership and select your new vehicle up to your approved amount.
4
Sign & Drive
E-sign the final documents. We wire funds directly to the dealer. You drive home.
Ready to Drive Your New Car?
Check your rate in minutes — no hard credit pull until you accept.
Check My Rate — Free →