Clear, fast financing.

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We’re the credit specialists.

We make it easy to get financing tailored to your budget.

Useful credit tools

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Affordability Search


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Finance your best car.

  1. 1

    Trust and transparency.

    We’re happy to answer every question you have. Our process is transparent — working directly with trusted regional banks.

  2. 2

    Fast and affordable.

    Use our payment calculator for estimates. Search cars by affordability. Or, apply online for nearly instant credit decisions.

  3. 3

    Tailored to you.

    We work to help all customers with their financing needs — regardless of income, credit history or current loan situation.

Get credit approval

If you have questions, scroll down to our FAQ or call us at 888-305-5968.

Financing FAQs

Why finance with Auto Lenders?

Simply put, we make financing your vehicle easy (it's even in our name!). We work directly with trusted regional banks to ensure our process is transparent and fast.

What if I have challenged credit?

Not a problem. Auto Lenders works to help all customers with their financing needs, regardless of income, credit history or current loan situation.

What should my down payment be?

There is no single right answer for that, but generally speaking the higher your down payment, the easier it is to get loan approval and the lower your monthly payment will be. Our credit specialists are happy to discuss what might be best for your particular situation. You can also use our monthly payment calculator to see how your down payment impacts your monthly payments.

What if I'm a first-time buyer?

No worries. Our relationship with regional banks ensures we can get great rates, even when you may not have much credit history.

You may also want to consider having a co-signer on your loan. A co-signer can help secure a better interest rate on a loan and also help with the bank's decision on granting the loan you request.

How do I find my credit score?

We can easily check that for you without impacting your score or sharing your information with any third parties. Just fill out this credit request form and a specialist will be in touch shortly.

Does my trade-in impact financing?

Of course! The higher your trade value the less you'll need to finance. Luckily Auto Lenders offers some of the highest trade values in the industry. Use our instant value form to find the trade value of your car. It's quick, easy and completely free. 

Credit lingo and definitions

  • Amount Financed: The amount of the credit provided to a buyer. For example, if you make a $1,500 down payment on a car with the total cost of $20,000 — then $18,500 is the amount financed.
  • Annual Percentage Rate (APR): The cost of financing your vehicle, including fees and interest, expressed as a yearly rate. APRs are helpful when comparing loan options because APRs include the total cost of financing.
  • Credit Report: A document that includes information on where you live, how you pay your bills and whether you have been sued, or have filed for bankruptcy.
  • Credit Score: A numerical value based on an analysis of a person’s credit files that represents the creditworthiness of the person. Generally the higher your credit score will be, the better your loan terms will be.
  • Co-Signer: A person to assume the responsibility of the auto loan with you. A co-signer can help secure a better interest rate on a loan and also help with the bank’s decision on granting the loan that you request.
  • Down Payment: The initial amount a buyer pays to reduce the amount financed.
  • Interest: The amount of money that the lending bank collects throughout the term of your loan.
  • Interest Rate: The yearly cost of your loan not including fees or other charges.
  • Loan Term: The length of time you have to pay off your entire auto loan. Usually, a borrower makes monthly payments until the term reaches maturity or the loan is paid off.
  • Principal: The balance of your auto loan without interest included.

Shop smarter.

Find out your trade value — or explore our cars below.

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