Where does CarFinance.com do business?

CarFinance.com is a direct lender based in Irvine, CA. It was founded in 1996 and offers auto loans in 47 states (and Washington, DC).

What APR does CarFinance.com offer on its auto loans?

CarFinance.com offers auto loans with APRs starting at 3% and up to 36%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools

Does CarFinance.com charge an origination fee?

Yes, CarFinance.com may charge a loan origination fee.

Does CarFinance.com charge a late fee?

Yes, CarFinance.com charges borrowers with a late payment penatly fee

Does CarFinance.com charge prepayment fees?

No, CarFinance.com will not charge you a fee for paying your loan early. Whenever possible choose lenders like CarFinance.com that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with CarFinance.com?

CarFinance.com requires borrowers to have a credit score of at least 300 to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via CarFinance.com?

CarFinance.com will typically approve (or deny) an auto loan application within 1 hour and fund the loan within 7 business days of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    300 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Amount
    $7500 - $100000
  • APR
    3% - 36%
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