Features

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.

What is the maximum loan term for a CarFinance.com auto loan?

CarFinance.com offers auto loans with terms of up to 72 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does CarFinance.com charge an origination fee?

Yes, CarFinance.com charges 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 penalties?

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

What is CarFinance.com’s eligibility criteria?

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

To qualify, applicants must 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) a loan application within 1 hour and fund auto loans within 1 and 7 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
    72
  • Credit Score Range
    300 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Maximum Vehicle Age
    8
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • APR
    3% - 36%
  • Approval Speed (Hours)
    1
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $7500 - $100000
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