Features

Where does Unify Lenders do business?

Unify Lenders is based in Pompano Beach, FL. It was founded in 2013 and offers auto loans in 50 states (and Washington, DC).

What APR does Unify Lenders offer on its auto loans?

Unify Lenders offers auto loans with APRs starting at 1.99%. 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 Unify Lenders?

Unify Lenders has auto loans with a maximum term of 70 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 Unify Lenders charge an origination fee?

Yes, Unify Lenders may charge a loan origination fee.

Does Unify Lenders charge a late fee?

Yes, Unify Lenders charges borrowers with a late payment penatly fee

Does Unify Lenders charge prepayment fees?

No, Unify Lenders will not charge you a fee for paying your loan early. Whenever possible choose lenders like Unify Lenders 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 Unify Lenders?

Applicants with a credit score of at least 300 can apply for a loan via Unify Lenders. 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

What is the estimated funding time for an auto loan via Unify Lenders?

Unify Lenders will typically approve (or deny) an auto loan application within 48 hours and fund the loan within 7 business days of approval.

  • Credit Score Range
    300 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Co-signer
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
    18
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
    48
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Loan Amount
    $5000 - $100000
  • Loan Term Range (Months)
    Up to 70
  • APR
    Starting at 1.99%
  • Max Loan Term (Months)
    70
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