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Loan Amount: $4,000 - $100,000Qualifications:
Minimum FICO credit score: Did not disclose
Minimum credit history: Did not disclose
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Has restrictions but details not disclosed
States covered: All except AK, HIPros:- Competitive interest rates
- Mobile banking options
- No opening balance requirement
- No monthly maintenance fees
- No origination fee
- Pre-qualify with a soft credit check
Cons:- Limited branch locations
- Opt-in overdraft charges
- Savings rates are never the highest
- Few local branches
Capital One Auto Finance offers financing for new and used cars, but only through its network of participating dealerships. It also provides refinancing for existing -
Rates: 5.39 - 21.00%Terms: 24 - 72 monthsCredit Score: 575Loan Amount: $8,000 - $100,000Best for: Car LoansQualifications:
Minimum FICO credit score: 575
Minimum credit history: None
Minimum annual gross income: $18,000
Maximum debt-to-income ratio: Did not disclose
Bankruptcy-related restrictions: Takes into consideration prior and current bankruptcy
States covered: All states except AK and HIPros:- Competitive interest rates
- Fast application process
- No origination fees
- FICO scores of 575 or above considered
Cons:- Vehicle restrictions
- Loans not available for residents of Alaska or Hawaii
- $8,000 minimum loan amount for new cars
Want to save time looking for your next auto loan? Consider myAutoLoan, where you’ll get competing bids from up to four lenders at once, rather -
Rates: 5.54 - 17.54%Credit Score: 620Loan Amount: $7,500 - $500,000Best for: Car PurchaseQualifications:
Minimum FICO credit score: 620
Minimum credit history: None
Minimum annual gross income: None
Maximum debt-to-income ratio: No set requirement, but is generally 50% or under for approved loans
Bankruptcy-related restrictions: No open bankruptcies
States covered: All 50 states
Membership: Requires paying a one-time $5 membership fee and maintaining a $5 balance in a share/savings accountPros:- Offers rate estimates through its website using a soft credit check
- Takes applications online, by phone, in branches or at authorized dealerships in Illinois and southern Wisconsin
- Offers rate discount with automatic payment
- Provides online car-buying service with discounted pricing
- Allows co-signers
Cons:- Credit union membership required to get a loan
- No rate discounts if using online car-buying service
- Social Security number required for online rate estimate
Consumers Credit Union helps its members finance or refinance auto loans for up to 84 months with no maximum or minimum loan amounts, prepayment penalties
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