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.

What is the maximum loan term for a Essex Credit auto loan?

Essex Credit offers auto loans with terms of up to 240 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 Essex Credit charge an origination fee?

Yes, Essex Credit charges 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 penalties?

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

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

Essex Credit will typically approve (or deny) a loan application within 72 hours and fund auto loans within 7 and 14 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
  • Credit Score Range
    690 - 850
  • 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
  • Institution Type
    Direct Lender
  • APR
    Starting at 3.99%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    7 - 14
  • Joint Loans Available
  • Loan Amount
    $10000 - $2000000
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