Our Rates
Competitive rates starting from 6.46% OAC
We work with 25+ lenders to find you the best possible rate for your situation
Rates by Credit Tier
Your rate depends on your credit situation. See what you can expect based on your credit score range.
Excellent Credit
Best rates available for customers with strong credit history
- Lowest interest rates
- Flexible term options
- Higher loan amounts
- Minimal down payment required
Good Credit
Competitive rates for customers with good credit standing
- Competitive interest rates
- Multiple term options
- Standard loan amounts
- Low down payment options
Fair Credit
Accessible rates for customers rebuilding their credit
- Approval despite past issues
- Flexible payment terms
- Credit rebuilding opportunity
- Reasonable down payments
Bad/No Credit
Guaranteed approval for all credit situations
- Guaranteed approval
- No credit check required
- Rebuild your credit score
- Flexible down payment options
*Rates shown are starting rates and are subject to approval. Your actual rate may vary based on creditworthiness, down payment, vehicle selection, and loan term. OAC = On Approved Credit.
What Affects Your Rate?
Several factors influence the interest rate you'll receive
Credit Score
Your credit history and score play a significant role in determining your interest rate.
Down Payment
A larger down payment can help secure a lower interest rate and better terms.
Loan Term
Shorter loan terms typically have lower rates but higher monthly payments.
Other Factors to Consider
Vehicle Age & Mileage
Newer vehicles with lower mileage typically qualify for better rates. Older vehicles or those with high mileage may have slightly higher rates due to increased risk.
Employment & Income
Stable employment history and sufficient income demonstrate your ability to make payments, which can positively impact your rate.
Debt-to-Income Ratio
Lenders look at your existing debt compared to your income. A lower ratio indicates better financial health and may result in better rates.
Loan-to-Value Ratio
The amount you're borrowing compared to the vehicle's value affects your rate. A larger down payment reduces this ratio and can lower your rate.
Already Have a Loan? Refinance for a Better Rate
If you've been making your payments on time and your credit has improved, you may qualify for a lower rate through refinancing. This can save you hundreds or even thousands of dollars over the life of your loan.
Benefits of Refinancing
- Lower monthly payments
- Reduced interest rate
- Save money over loan term
- Improved cash flow
Who Should Refinance?
- Credit score has improved
- Current rate is above 12%
- Consistent payment history
- Need lower monthly payment