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

Does Wilshire Consumer Credit charge an origination fee?

Yes, Wilshire Consumer Credit may charge 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 fees?

Yes, Wilshire Consumer Credit 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.

What do you need to qualify for a loan with Wilshire Consumer Credit?

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

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 Wilshire Consumer Credit?

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

  • Max Loan Term (Months)
  • Institution Type
    Other Institution
  • Credit Score Range
    500 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • 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
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Amount
    $3500 - $50000
  • APR
    Starting at 5%
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