Where does Essex Credit do business?

Essex Credit is a direct lender based in San Ramon, CA. It was founded in 1981 and offers auto loans in 49 states (and Washington, DC).

What APR does Essex Credit offer on its auto loans?

Essex Credit offers auto loans with APRs starting at 3.99%. 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 Essex Credit charge an origination fee?

Yes, Essex Credit may charge a loan origination fee.

Does Essex Credit charge a late fee?

Yes, Essex Credit charges borrowers with a late payment penatly fee

Does Essex Credit charge prepayment fees?

No, Essex Credit will not charge you a fee for paying your loan early. Whenever possible choose lenders like Essex Credit 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 Essex Credit?

Essex Credit requires borrowers to have a credit score of at least 690 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 Essex Credit?

Essex Credit will typically approve (or deny) an auto loan application within 72 hours and fund the loan within 14 business days of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    690 - 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)
    7 - 14
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Amount
    $10000 - $2000000
  • APR
    Starting at 3.99%
SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

No reviews found.

Be the first to write a review for this company!

Write a Review

New Review for Essex Credit

Rate your experience:


Other Auto Loans companies