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).
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.
Yes, Essex Credit charges a loan origination fee.
Yes, Essex Credit charges borrowers with a late payment penatly fee
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.
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:
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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