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Your source for finding great auto loan rates

Apply for an auto loan through CreditNowUSA and get that new car you’ve been wanting.

Get connected to a professional auto loan lender that will provide great service and low rates.

  • Take advantage of new competitive car loan rates

  • Free, no obligation auto loan quote

  • Quick and simple process

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Get connected, select loan terms, and take your keys.

Fill out our no–obligation application, be connected to one of our lenders for free, and learn what your qualifying interest rate and loan approval amount will be. Then just determine some details such as your loan term and monthly payment and the loan is yours!

To find the best auto loan for your financial situation, you will want to balance the interest rates and length of your loan. Shorter loans offer lower rates, but with a higher monthly payment. Take a look at your monthly budget to see what type of auto loan would work best for you.

  • Want a new car? A used car? We’ll make it happen!
  • Bad credit? No problem! High approval rate!
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Knowing your credit score is important.

Before applying for an auto loan, applicants should request a copy of their credit report. Upon submitting your application, the auto lender will base approval of the loan on your credit score and history. Checking your report prior to applying reveals your credit standing and gives you an idea of what type of rate to expect. Some auto lenders classify subprime borrowers as individuals with scores below 640, while some may qualify a borrower with the same score for prime rates. You can obtain a detailed credit report through CreditNowUSA by visiting our Credit Score page.

Tips to save you money on your auto loan:

  • Increase your down payment: Zero down or small down payments sound like great options for car buyers, but a large down payment will save you more money in the long run. By putting down 20% or more, you will qualify for a lower interest rate, even if you have adverse credit. You will also save money by not having to pay interest on that portion of the vehicle's price.
  • Get Pre–qualified: Getting pre–qualified for a car loan gives you more power to demand a better deal from your dealership. As a pre–qualified buyer, salespeople see you as a cash buyer and a legitimate potential sale, and they want your money. You can negotiate for rebates, a higher trade–in value, and extra features.
  • Buy within your means: If your less than perfect credit is causing you to pay a high interest rate, the best thing you can do is buy a car that is more affordable. When you take out a large auto loan, the lender assumes more risk making your interest rate much higher than it would be if you take out a smaller loan.
  • Consider a co–signer for better rates: A co–signer with a better credit score will help you get lower rates on your auto loan. Lenders base their credit decision on the co–signer's score, even though you pay for the loan. This is one way to reestablish your credit history while paying standard interest rates on your loan.

Tips To Get Auto Loans Fast

If you've been looking at getting a new car it because you want to or because you have to for whatever reason, then one thing you probably looked at are auto loans. Put simply, this type of loan allows you to get the car that you need or want, without having to pay the cash up front. And you type of lender you have, you can get good interest rates as well as get repayment terms.

The first thing you want to do when you're looking at auto loans is to find one that fits your financial budget in terms of both interest rate, payments and length of the loan itself. For example, if you want a very short loan you need to be prepared to pay higher monthly fees that if you were to spread a particular loan out over several years.

One key thing to think about when looking to apply for auto loans is that you need to have a good understanding of your credit score. This will have to happen before you do any applications is that you need to request a copy from all three credit reporting agencies to ensure that your stories accurate. This will also give you a chance to have taken off anything that is incorrect. Since auto lenders base approval on your credit standing, this is one of the most important things you can do.

Even if you find excellent auto loans, there are still ways that you can save even more money. First off, you can always increase the size of your down payment. This has the effect of lowering your monthly fees as well as your interest rate. Another option is to get prequalified. Actually getting prequalified for a mortgage, doing the same for car loan enables you to be a better negotiating position when it comes to interest rates and payment terms as well.

Another option when looking at auto loans is to consider a cosigner, especially if your credit is less than stellar. This will allow you to get a break on payment terms and interest rates and can even help you start improving your credit score. The thing to remember here is that should you fall behind, the cosigner may be asked to pay that portion of your loan.

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This site will share the application information provided by the consumer with one or more providers.
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