Last Updated: 01/29/2026
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Highlights
Amount Range
$7,000 - $35,000
APR (Variable APR)
17% - 29%(Verified 01/29/2026)
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Credit Score Range
600 - 840
Loan Term (Months)
36 - 72
Drive Time Auto Loans Review
Drive Time Auto Loans is offered by Drive Time, a bank founded in 2002 and based in Tempe, AZ. Drive Time auto loans are available in 50 states and Washington, DC.
Drive Time auto loans FAQ
How much can you borrow via Drive Time auto loans?
Drive Time auto loans loan amounts start at $7,000 and go up to $35,000.
What APR does Drive Time auto loans offer on its car loans?
Drive Time auto loans offers a variable APR car loan product that ranges from 17% APR up to 29% APR.
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 inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with Drive Time auto loans?
Drive Time auto loans has car loans with terms ranging from 36 to 72 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.
Does Drive Time auto loans charge an origination fee?
Yes, Drive Time auto loans may charge a loan origination fee .
Does Drive Time auto loans charge a late fee?
Yes, Drive Time auto loans charges borrowers with a late payment penatly fee of up to $5
Does Drive Time auto loans charge prepayment fees?
Yes, Drive Time auto loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Drive Time auto loans loan?
Yes, you can. However, Drive Time auto loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Drive Time Auto Loans?
Applicants with a credit score of at least 600 and up to 840 may be eligible for Drive Time Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Drive Time Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Drive Time Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of residence
- U.S. tax identification number
What is the estimated funding time for a car loan via Drive Time auto loans?
Drive Time auto loans will typically fund the car loan within business day of approval.Does Drive Time Auto Loans report your account activity to credit bureaus?
Yes, Drive Time Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Drive Time perform a hard credit pull?
Yes, Drive Time auto loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Drive Time a legit company?
Drive Time was founded in 2002, it is a well-established company that has been in business for 24 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed