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Last Updated: 04/18/2025

Octane Auto Loans

in Auto Loans from Octane Lending

Last Updated: 04/18/2025

Octane Lending logo
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Highlights

Amount Range

N/A

APR (Variable APR)

Starting at 6.99%(Verified 06/21/2024)

Credit Score Range

550 - 850

Loan Term (Months)

Up to 72
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Octane Auto Loans Review

Octane Auto Loans is offered by Octane Lending, a direct lender founded in 2014 and based in New York, NY. octane auto loans are available in 50 states and Washington, DC.

octane auto loans FAQ

What APR does octane auto loans offer on its car loans?

octane auto loans offers a variable APR car loan product that ranges from 6.99% 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 auto loan term you can get with octane auto loans?

octane auto loans 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 octane auto loans charge an origination fee?

Yes, octane auto loans may charge a loan origination fee .

Does octane auto loans charge a late fee?

Yes, octane auto loans charges borrowers with a late payment penalty fee

Does octane auto loans charge prepayment fees?

Yes, octane auto loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my octane auto loans loan?

Yes, you can. However, octane auto loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Octane Auto Loans?

Applicants with a credit score of at least 550 and up to 850 may be eligible for Octane Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Octane Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Octane Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Octane Auto Loans report your account activity to credit bureaus?

Yes, Octane Auto Loans reports to the following credit bureau:
    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

    Does Octane Lending perform a hard credit pull?

    Yes, octane auto loans 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 roadrunner financial a legit company?

    roadrunner financial was founded in 2014, it is a well-established company that has been in business for 12 years.
    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    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.

    Contact

    Headquarters

    116 W 32nd St
    New York, NY 10001
    (833) 288-1367
    Visit Site
    Email Support

    Hours of Operation

    Sunday
    Closed
    Monday
    9:00AM - 6:00PM
    Tuesday
    9:00AM - 6:00PM
    Wednesday
    9:00AM - 6:00PM
    Thursday
    9:00AM - 6:00PM
    Friday
    9:00AM - 6:00PM
    Saturday
    Closed

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    SuperMoney Net Recommendation Score

    This product has no reviews yet. Help others by sharing your thoughts.

    0

    -1000+100
    No one recommends
    Everyone recommends
    The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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