Auto Loans
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Last Updated: 03/27/2026
SuperMoney User Recommendation Score -63
Strongly not recommended73 total votes
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Highlights
Community Rating
Strongly not recommended
Amount Range
$5,000 - $100,000
APR (Fixed APR)
Starting at 3%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
560 - 850
Loan Term (Months)
Up to 72
Number of Reviews
Exeter Auto Finance Review
Exeter Auto Finance is offered by Exeter Finance, a financial services company founded in 2006 and based in Irving, TX. Exeter finance are available in 49 states and Washington, DC.
Exeter finance FAQ
How much can you borrow via Exeter finance?
Exeter finance loan amounts start at $5,000 and go up to $100,000.
What APR does Exeter finance offer on its car loans?
Exeter finance offers a fixed apr car loan product that ranges from 3% 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 Exeter finance?
Exeter finance has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does Exeter finance charge an origination fee?
Yes, Exeter finance may charge a loan origination fee .
Does Exeter finance charge a late fee?
Yes, Exeter finance charges borrowers with a late payment penalty fee
Does Exeter finance charge prepayment fees?
No, Exeter finance will not charge you a fee for paying your loan early. Whenever possible choose lenders like Exeter finance that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Exeter finance loan?
Yes, you can. Exeter finance does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Exeter Auto Finance?
Applicants with a credit score of at least 560 and up to 850 may be eligible for Exeter Auto Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Exeter Auto Finance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for a car loan via Exeter finance?
Exeter finance will typically fund the car loan within 7 business days of approval.Does Exeter Finance perform a hard credit pull?
Yes, Exeter finance 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 Exeter Finance a legit company?
Exeter Finance was founded in 2006, it is a well-established company that has been in business for 20 years. Exeter Auto Finance is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -63, or 1.7 on a 5-point rating scale.
-63
-1000+100
No one recommends
Everyone recommends
Exeter Auto Finance Community Reviews
Would you recommend Exeter Auto Finance to your friends?
U
Anonymous
Sep 16, 2023
May or may not recommend
SCAMMERS! Interest is extremely high. Even if car is paid off Exeter still come after client for more money. Still being charged interest without car being in my possession and they received pay off balance. Exeter coming after me for fraudulent interest. Wouldn't highly recommend to anyone. RUNNNNN!
AB
Anthony B.
Jun 7, 2023
May or may not recommend
I've had nothing but good experiences with Exeter, I understand not everyone has had good luck with them. However, I pay on time and in the event of a money issue, a simple call to them and explaining my situation, they very readily work with me. The interest on my loan was rather reasonable, especially given the financial climate right now. I was qualified with Ally and Capital One but ...Show More
Dan D.
Mar 20, 2023
May or may not recommend
I do not recommend doing business with Exeter Finance. I'd give them zero stars if I could. They were unprofessional, clueless and incompetent. I am review on behalf of the dealership I help run, and we were in the process of signing up with them to use them for financing. We set up with them in October, or we thought we did, and when we recently submitted an loan application, ...Show More
JP
Jacqueline P.
Feb 1, 2023
May or may not recommend
I've been paying on my $14,000 car loan since 2018. The interest is paid and now I still owe $12,000 in 2023!
B.
Sep 17, 2021
May or may not recommend
Exeter is directly responsible for my inability to ever improve my credit score and financial situation. Point blank. In fact, despite the tremendous amounts of money, time, and hard work I've spent over the last 2 years since taking out a loan with them, I'm most likely going to have to surrender the car to them as a title repossession and file for yet another bankruptcy. Which is what we ...Show More
SS
Sharon S.
Sep 24, 2020
May or may not recommend
I Bought a car 2 yrs ago for $25,000.
So far I have paid in total 22,000 or more but I still owe 23,000 to Exeter finance. it has only went down $2,000
after pay $22,000 .
DG
Dorovntis G.
Sep 8, 2020
May or may not recommend
IF I COULD GIVE ZERO STARS I WOULD. DO NOT AND I REPEAT DO NOT FINANCE WITH THIS COMPANY!!! THIS IS THE MOST SELFISH, HEARTLESS COMPANY IVE EVER DELT WITH!!! THEY SEND ME A LETTER THREATENING TO REPO MY VEHICLE OVER 250 DOLLARS!!! NOT 500, NOT 1000 NOT EVEN A MONTH PAST DUE LITERALLY A HALF A MONTH PAST DUE!!!! AFTER TELLING THEM MY WORK HAS BEEN AFFECTED DUE ...Show More
U
Anonymous
Jun 21, 2020
May or may not recommend
Exeter Finance has a very peculiar business model. For example you finance a vehicle for $15K. Exeter adds all of the finance charges and fees to the loan on the front end - for example Exeter will add and additional $10K to the loan at signing so the amount financed becomes $25K. Then they will charge a daily usage fee (they refer to this as their simple interest loan) . ...Show More
KM
Kelby M.
May 20, 2020
May or may not recommend
I bought an automobile through them 3 1/2 years ago for $19,500 and when I’m finished paying in two years I will have paid $33,500. Pre-payment penalty for sure. I don’t know how a company can do this shit to people and not give a fuck but that’s what every company does now
DB
Darrell B.
Apr 14, 2020
May or may not recommend
Due to the covid 19 pandemic, I’m unable to work and yet they still want their money and still continue to charge interest. My landlord even gave me 3 months free. Before the crisis was never behind.
Maria A.
Mar 27, 2020
May or may not recommend
as all the other companies are helping California with the devastating happenings with the corona virus as we lost our job, they can only help you delaying one month and not even help is going behind the loan and still charging interest i so regretted using this company they are forcing us to loosen our car ???? me and my husband work ...Show More
Bethany K.
Feb 6, 2020
May or may not recommend
HORRIBLE!! Finally paying my car off and will be so relieved to be done with this horrible company! Please do not use them. I have made 21 payments (that's $9,177) and I started out at $17,615.25 and I am only at $16,074.65 for my pay off, which means I have only paid $1,540.65 in principal and have paid $8,478.25 in interest. These people need to be arrested! I can't stand ...Show More
CE
Cecil E.
Jan 2, 2020
May or may not recommend
For the first 8 months my check traveled 435 miles to Irving, Texas and it was posted in 3 to 4 days. November payment was posted 7 days after I mailed it. I mailed my December 2019 payment 12/21 and as of today 1/2/2020 it hasn't posted. Something is up. I called and someone in Asia or wherever blamed it on the holidays. Something is ...Show More
U
Anonymous
Dec 28, 2019
May or may not recommend
1st payment due on 12/25/2019. My 1st payment was made on 12/18/2019. Payment was confirmed. On 12/25/2019 another payment was made by Exeter. I noticed on 12/26/2019 a payment was honored. That's 2 payments that were made on my account.for December 2019. I informed my bank that this was the second payment made by Exeter. My bank is now investigating the second payment. Awaiting the resolution of their ...Show More
FC
Faris C.
Dec 16, 2019
May or may not recommend
I have paid my car note for over a year...I called and explained that my fiancée had been murdered and requested a month or so leniency with payment, there was no empathy I was told sorry but business is business, very sad and not a company I want to deal with!!! Doing all I can to get Monet to pay whole car off so I can get away from these ...Show More
U
Anonymous
Oct 19, 2019
May or may not recommend
Continually had to update my address. Then once I finally paid off my vehicle they stated they mailed it to the address that I had continually changed it from. Now, they are wanting me to pay to get my title because of their failure. One a whole for five years, their "customer service" sucked!
Christy P.
Sep 6, 2019
May or may not recommend
My nephew was charged a 28% car loan interest rate by Exeter which is illegal in Illinois. The car dealership told my nephew the Exeter Rate would be 14% then when the loan was actually sold to them the rate changed to 28%. My nephew already had the car for three days so he signed the note thinking the rate was 14% not reading the 28%. ...Show More
Shannon S.
Aug 22, 2019
May or may not recommend
I purchased a truck four weeks ago. Traded my 2015 model car in and on Aug 21st was told they didn’t want to go through with the loan because my son is driving it. I feel like the paper was signed and a payment was agreed on. I don’t understand the logic of this company not good business ????????????????.
AW
Ashley W.
Aug 1, 2019
May or may not recommend
The INTEREST RATES ARE PREDATORY! they never include the account number on anything so you spend time trying to find your account number and may make late payments in doing so, they DO NOT REFINANCE, they add any late payments to the interest, they give CAR DEALERSHIPS kick backs (ie money) for every contract they send them...
PLEASE do your homework before you buy a car! Many of us assume ...Show More
U
Anonymous
Jul 22, 2019
May or may not recommend
when i call 1-800-321-9637 i get the run around by your phone answering machine and then if im late 1 time its on my creited report
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