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 Auto Finance is available in 49 states (and Washington, DC).

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 penatly 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. Exeter Auto Finance only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Exeter Auto Finance. Their rates fall within the limits of The Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

• Recent pay stubs
• Driver's license
• Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Exeter finance?

Exeter finance will typically approve (or deny) a car loan application within 24 hours and fund the car loan within 7 business days of approval.