Features

Where does SpringboardAuto.com do business?

SpringboardAuto.com is a direct lender based in Irvine, CA. It was founded in 2015 and offers auto loans in 32 states across the USA.

What APR does SpringboardAuto.com offer on its auto loans?

SpringboardAuto.com offers auto loans with APRs starting at 5% and up to 36%. 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 you can get with SpringboardAuto.com?

SpringboardAuto.com has auto loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does SpringboardAuto.com charge an origination fee?

Yes, SpringboardAuto.com may charge a loan origination fee.

Does SpringboardAuto.com charge a late fee?

Yes, SpringboardAuto.com charges borrowers with a late payment penatly fee

Does SpringboardAuto.com charge prepayment fees?

No, SpringboardAuto.com will not charge you a fee for paying your loan early. Whenever possible choose lenders like SpringboardAuto.com that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with SpringboardAuto.com?

Applicants with a credit score of at least 500 can apply for a loan via SpringboardAuto.com. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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

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

What is the estimated funding time for an auto loan via SpringboardAuto.com?

SpringboardAuto.com will typically approve (or deny) an auto loan application within 1 hour and fund the loan within 7 business days of approval.

Does SpringboardAuto.com report loan payments to credit bureaus?

SpringboardAuto.com reports credit data to the following credit reporting agencies:

  • Experian
  • Transunion

  • Institution Type
    Direct Lender
  • Credit Score Range
    500 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Maximum Mileage
    138,000
  • Maximum Vehicle Age
    10
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Minimum Annual Income
    $24000
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
    1
  • Credit Bureau Reporting
    • Experian
    • TransUnion
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Pre-Approved Soft Credit Inquiry
  • Loan Amount
    $7500 - $45000
  • Loan Term (Months)
    Up to 72
  • APR
    5% - 36%
Offers made by SpringboardAuto.com, Inc. are subject to terms and conditions. Married individuals may apply without their spouse. Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying the obligation.
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