🚗 Used Car Loans
Smart Financing for Pre-Owned Vehicles
Get competitive rates on pre-owned cars, trucks, and SUVs up to 10 years old. No hidden fees. Direct lender.
Current Used Car Loan Rates
36-Month Term
6.9%
APR as low as
$3,000 – $75,000
60-Month Term
7.4%
APR as low as
$5,000 – $75,000
72-Month Term
7.9%
APR as low as
$8,000 – $75,000
Why Finance Pre-Owned with Lending Fast
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Private Party & Dealer Purchases
Finance used vehicles from licensed dealers or private sellers. We handle both with equal ease.
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All Credit Scores Welcome
We work with borrowers across the credit spectrum. A larger down payment can open doors at lower credit scores.
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No Prepayment Penalties
Pay off your loan early without fees. Save thousands in interest by accelerating your payoff schedule.
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Refinance Your Current Loan
Already have a used car loan at a higher rate? We can refinance your existing balance to save on interest.
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Fast Funding
Once approved and documents signed, we wire funds to the seller within 1–2 business days.
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Vehicle History Review
We help verify the vehicle's title status and condition criteria so you're protected on your purchase.
Vehicle Age & Rate Guide
| Vehicle Age |
Max Mileage |
Max Loan |
Starting APR |
Rating |
| 1–3 Years Old |
50,000 miles |
$75,000 |
6.9% |
⭐ Best Rates |
| 4–6 Years Old |
80,000 miles |
$50,000 |
7.9% |
✓ Good Rates |
| 7–10 Years Old |
120,000 miles |
$30,000 |
9.9% |
Standard |
✅ Eligibility Requirements
✓Vehicle must be 10 years old or newer (model year)
✓Mileage must not exceed 120,000 miles
✓Loan amount between $3,000 and $75,000
✓Clear vehicle title required (no salvage or rebuilt titles)
✓Valid US driver's license and Social Security Number
✓Verifiable income documentation required
✓Vehicle must carry comprehensive and collision insurance
✓US residency required · Not available in all states
How to Get Your Used Car Loan
1
Apply Online
Complete our quick application. Soft credit pull — zero impact on your score.
2
Get Your Offer
Receive your rate and loan amount within 24 hours via email and text.
3
Pick Your Vehicle
Find the right used car at a dealership or from a private seller within your approved limit.
4
Sign & Drive
E-sign your documents. We fund within 1–2 business days. Keys are yours.
Ready to Finance Your Used Car?
See your rate in minutes with no impact on your credit score.
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