Where does Wilshire Consumer Credit do business?

Wilshire Consumer Credit is based in Los Angeles, CA. It was founded in 1988 and offers auto loans in 5 states across the USA.

What APR does Wilshire Consumer Credit offer on its auto loans?

Wilshire Consumer Credit offers auto loans with APRs starting at 5% .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 for a Wilshire Consumer Credit auto loan?

Wilshire Consumer Credit offers auto loans with terms of up to 44 months. Lenders that offer longer terms can offer larger loan amounts and lower monthly payments. However, remember that the longer the term of your loan, the more interest you will pay. 

Does Wilshire Consumer Credit charge an origination fee?

Yes, Wilshire Consumer Credit charges a loan origination fee .

Does Wilshire Consumer Credit charge a late fee?

Yes, Wilshire Consumer Credit charges borrowers with a late payment penatly fee.

Does Wilshire Consumer Credit charge prepayment penalties?

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

What is Wilshire Consumer Credit’s eligibility criteria?

Wilshire Consumer Credit requires borrowers to have a credit score of at least 500 to apply.

To qualify, applicants must 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 Wilshire Consumer Credit?

Wilshire Consumer Credit will typically approve (or deny) a loan application within 48 hours and fund auto loans within 1 and 7 days of approval

  • Payment Options
    • Automatic Payments
    • Check by mail
  • Max Loan Term (Months)
  • Credit Score Range
    500 - 850
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • Institution Type
  • APR
    Starting at 5%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $3500 - $50000
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