Financing for new and used vehicles, private-party purchases, and refinancing an existing auto loan — with rate offers in minutes.
Whether you’re buying from a dealer, purchasing from a private seller, or refinancing a higher-rate auto loan, we match you with lenders who specialize in your exact situation.
| Vehicle Type | Term | Representative APR* |
|---|---|---|
| New Vehicle | Up to 84 months | 8.75% – 11.99% |
| Used Vehicle | Up to 72 months | 10.99% – 15.99% |
| Refinance | Remaining term | 9.99% – 14.99% |
| Private-Party | Up to 60 months | 11.99% – 16.99% |
*Rates shown are illustrative and depend on vehicle age, mileage, loan-to-value ratio and your credit profile.
Yes — pre-approval gives you a rate and budget to shop with, often improving your negotiating position at the dealership.
If your credit has improved or rates have dropped since you financed, refinancing can lower your monthly payment or total interest paid over the life of the loan.
Yes. Most lenders set maximum age and mileage limits, and older or higher-mileage vehicles typically carry a higher rate or shorter maximum term.