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Essex Credit

in Auto Loans

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Essex Credit

Unaffiliated

in Auto Loans

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Overview

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).

How much can you borrow via Essex Credit?

Essex Credit auto loan amounts start at $10,000 and go up to $2,000,000.

What APR does Essex Credit offer on its auto loans?

Essex Credit offers a auto loan product that ranges from 3.99% 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 loan term you can get with Essex Credit?

Essex Credit has auto loans with a maximum term of 240 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

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?

Applicants with a credit score of at least 690 can apply for a loan via Essex Credit. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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.

 

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Application Fee $0
Minimum Age 18
Credit Score Range 690 - 850
850 300 690
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Maximum Vehicle Age 10
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Co-signer
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $10K - $2M
Loan Term (Months) Up to 240
APR Starting at 3.99%

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