Overland Finance Review

Overland Finance is offered by Automobile Acceptance Corporation, a financial services company founded in 1989 and based in Riverdale, GA. Overland Finance is offered in 1 state across the USA.

How much can you borrow via Overland Finance?

Overland Finance auto loan amounts start at $3,001.

What APR does Overland Finance offer on its auto loans?

Overland Finance offers a fixed APR auto loan product but they do not disclose their rates.

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.

Does Overland Finance charge an origination fee?

Yes, Overland Finance may charge a loan origination fee.

Does Overland Finance charge a late fee?

Yes, Overland Finance charges borrowers with a late payment penatly fee

Does Overland Finance charge prepayment fees?

Yes, Overland Finance 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 Overland Finance loan?

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

What do you need to qualify for Overland Finance?

Applicants with a credit score of at least 670 and up to 850 are eligible for Overland Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Overland Finance does not have or does not disclose a minimum annual income eligibility requirement. Overland Finance will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

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 Overland Finance. Their rates fall within the limits of The Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

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

• Recent pay stubs
• Proof of income
• Driver's license
• Government issued photo ID
• Proof of identity
• Proof of citizenship or residence permit

Does Overland Finance report your account activity to credit bureaus?

Overland Finance reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.