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  Wilshire Consumer Credit Auto Finance

Wilshire Consumer Credit Auto Finance

in Auto Loans from Wilshire Consumer Credit

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Wilshire Consumer Credit Auto Finance

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in Auto Loans from Wilshire Consumer Credit

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Highlights
Highlights
Loan Amount $3,500 - $50,000
APR Starting at 5%
Credit Score Range 500 - 850
Loan Term Up to 44 months

Wilshire Consumer Credit Auto Finance Review

Wilshire Consumer Credit Auto Finance is offered by Wilshire Consumer Credit, a financial services company founded in 1988 and based in Los Angeles, CA. Wilshire Consumer Credit Auto Finance is offered in 5 states across the USA.

How much can you borrow via Wilshire Consumer Credit Auto Finance?

Wilshire Consumer Credit Auto Finance auto loan amounts start at $3,500 and go up to $50,000.

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

Wilshire Consumer Credit Auto Finance offers an auto loan product that ranges from 5% APR.

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.

What is the maximum loan term you can get with Wilshire Consumer Credit Auto Finance?

Wilshire Consumer Credit Auto Finance has auto loans with a maximum term of 44 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 Wilshire Consumer Credit Auto Finance charge an origination fee?

Yes, Wilshire Consumer Credit Auto Finance may charge a loan origination fee.

Does Wilshire Consumer Credit Auto Finance charge a late fee?

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

Does Wilshire Consumer Credit Auto Finance charge prepayment fees?

Yes, Wilshire Consumer Credit Auto 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 Wilshire Consumer Credit Auto Finance loan?

Yes, you can. However, Wilshire Consumer Credit 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 Wilshire Consumer Credit Auto Finance?

Applicants with a credit score of at least 500 and up to 850 are eligible for Wilshire Consumer Credit Auto Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Wilshire Consumer Credit Auto Finance does not have or does not disclose a minimum annual income eligibility requirement. Wilshire Consumer Credit Auto Finance only considers borrowers who are employed.

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 Wilshire Consumer Credit Auto Finance. Their rates fall within the limits of The Military Lending Act.

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

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

What is the estimated funding time for an auto loan via Wilshire Consumer Credit Auto Finance?

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

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About Wilshire Consumer Credit Auto Finance

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 5 states
  • Arizona
  • California
  • Missouri
  • South Carolina
  • Utah

Feature Breakdown

Minimum Age 18
Credit Score Range 500 - 850
Immigration Status Considered
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Non-Military
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $3.5K - $50K
Loan Term Up to 44
APR Starting at 5%

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