Best Auto Loan Companies

Buying a new car is a thrilling experience, one that often comes as the result of hard work and determination.

Car shopping and test drives are fun, but there’s nothing quite like holding the keys to your new vehicle and preparing to drive off the lot.

But before you get behind the wheel of your new ride, you have to be able to finance it.

That’s where auto loan companies come in. A quick search will show you dozens of providers, but not all of them are worth your time.

In this guide, we’ll break down our top ten auto loan companies to help you pick the best one.

Top 10 Best Auto Loan Companies

  1. Auto Approve
  2. LendingTree
  3. RefiJet
  4. Auto Credit Express
  5. myAutoloan
  9. LightStream
  10. MaxCarLoan

While you may be tempted to roll with the first auto loan that comes your way, that’s not the smartest financial move.

When you apply for an auto loan, you should primarily be looking for two things: low interest rates and affordable payments.

The best lenders will offer you both of those, plus some cool features that you might enjoy. Without further ado, here are our top picks.

1. Auto Approve

auto approve car loan company

If your goal is to lower the premiums and interest rate on your auto insurance, Auto Approve is your go-to lender.

Even if you already have auto insurance with another company, Auto Approve can help you refinance your auto loan for a better deal.

All you have to do is submit a quick online application. In minutes, you’ll be matched with the best options from leading industry partners. In addition to saving money, when you refinance with Auto Approve, you don’t have to make your first payment for 45 days.

To qualify for refinancing with Auto Approve, your car must be ten years old or newer and have fewer than 150,000 miles. You also need a minimum monthly income of $1500, and the current loan can be no less than $7500.

While Auto Approve was just founded in 2016, the company is BBB-accredited and highly reviewed for customer satisfaction.

2. LendingTree

lendingtree auto loan company

If you’re wondering whether or not you can afford a new car to begin with, LendingTree should be your first stop.

LendingTree is one of the best marketplaces for loan shopping, where you can access quotes from top lenders in a few minutes’ time.

After you answer a few questions about the type of loan, down payment, and vehicle you want, and fill in some details on your financial status, LendingTree provides you with your best options.

Unlike Auto Approve, LendingTree provides offers for buying both new and used cars, down payments, and refinancing.

They also have handy free tools like a payment calculator and give you access to check your credit score.

Whatever goals you have for your auto loan, LendingTree is a great place to start your search.

3. RefiJet

refijet car loan company

As its name suggests, RefiJet gets your dreams of refinancing your vehicle off the ground in no time.

Like Auto Approve and LendingTree, RefiJet pairs you with offers from top lenders, with no negative effect on your credit score.

You can find refinance loans on RefiJet for up to $150,000, with APR as low as 2.99%.

RefiJet is made for applicants with a minimum credit score of 580 and a monthly income of $2,000.

If you meet those criteria, your vehicle is a 2008 model or newer, and it’s insured and registered in your state, your approval odds are strong. Your car can also have up to 200,000 miles on it, significantly higher than the limits with other lending platforms.

RefiJet will also process the complicated paperwork of a lease buyout loan for you.

4. Auto Credit Express

auto credit express automobile loan company

The next auto loan marketplace to turn to in your search for the right loan is Auto Credit Express.

Auto Credit Express offers new and used car loans and refinancing, partnering with 1200 lenders across the country.

With that many companies, your likelihood of finding a loan that works for you is high. Auto Credit Express not only pairs you with lenders but also dealers in its network.

The company doesn’t list a minimum credit score requirement.

 In fact, some of its partners offer auto loans to individuals with bankruptcy or repossession in their credit history.

To qualify for an auto loan, you simply need to be 18 or older with a monthly income of $1500 or higher.

If you have a low score or short history, this platform is worth a few minutes of your time. You may be surprised at what you qualify for.

5. myAutoloan

Another auto loan marketplace, myAutoloan, matches you with new and used car dealership loans, private party purchase loans, and lease buyouts and refinancing.

Your myAutoloan application gets submitted to up to 20 lenders (or however many you meet basic eligibility requirements for), producing as many as 4 offers.

myAutoloan does come with some vehicle requirements. Your car cannot be more than 10 years old, and depending on the type of loan, the mileage cannot exceed 120,000 to 125,000 miles.

So far, everything about myAutoloan is in line with its competitors, but there is one key difference to be aware of.

myAutoloan does a hard credit check when you submit your application, which will lower your credit score by a few points.

With that in mind, only use myAutoloan when you’re ready to buy a car, rather than when you’re just toying with the idea.

If you do head to myAutoloan, be sure to take advantage of their wealth of resources, including car loan calculators, tips on boosting your credit score, and educational content on car insurance and loans.


RATEGENIUS is a solid choice if you’re in the market for a refinance loan or a lease buyout loan.

The lending platform generates offers for loans between $10,000 and $90,000.

Like myAutoloan, RATEGENIUS does a hard credit check when you apply, so your score will be affected.

To qualify, you need a minimum credit score of 550 and a monthly income of at least $2,000. Qualifying vehicles must be 7 years older or less, with a maximum of 100,000 miles.

If a partnering lender denies your application, RATEGENIUS will try with two more lenders.

Note that when you apply for multiple sources of credit in a short span of time, credit reporting agencies count your inquiries as one, lessening the blow to your score.

If you’re serious about refinancing or doing a lease buyout and are ready to move on an offer, RATEGENIUS is a great pick.


If you’re looking for a comparable service that only warrants a soft credit check, you may want to work with AUTOPAY.

The auto loan broker’s sweet spot is refinancing loans, but they also match borrowers with a number of purchase loans and lease buyouts.

As far as vehicle requirements are concerned, your car needs to be 11 years old or newer, with 125,000 miles or less.

With excellent credit (think 720 or higher), you could get APR as low as 1.99%, but even if your credit score is average, you’re likely to find a lender with AUTOPAY.

The company’s minimum credit score requirement is a 600, with a minimum income of $2,000 a month.

If you’ve worked to boost your credit since the time you took out your original loan, AUTOPAY can likely find you a refinanced loan with better interest rates.


The companies above are great options for applicants with fair to high credit scores.

But what if you have a poor credit score, an unfortunate bout with bankruptcy, or no credit history at all to stand on? Along with Auto Credit Express, you may want to look into works hard to match low and no-credit borrowers with lenders who have less stringent eligibility requirements.

Unlike some of its more well-known competitors, does not impose set vehicle, income, and credit requirements, instead leaving it up to the individual lenders’ criterion.

The site offers little information about the types of loans it offers or the process it uses, and online customer reviews are slim to none, but if you’re suffering under the burden of bad credit, it could be worth using for a quick search.

Just be mindful that low credit tends to come with higher interest rates and short loan terms, even with a great lender.

9. LightStream

As the lending branch of SunTrust Bank, LightStream comes with loads of experience and reputability in the banking world.

Lightstream offers new and used car loans for dealerships and private party purchases, refinancing loans, and lease buyouts.

Unlike the marketplace platforms featured in the list, LightStream is a direct lender.

LightStream is a stellar choice for borrowers with excellent credit, offering rates as low as 3.99% on 24-36 month loans. You can even get a discount to your rate by enrolling in autopay.

LightStream auto loans range between $5,000 and $100,000. Their only minimum requirement is a credit score of 660 or higher.

There are no minimum requirements for the make, model, and mileage of the vehicle, giving LightStream an advantage over many of its competitors.

If you have a high credit score and are looking for a loan with low rates and major flexibility, LightStream is a dependable and highly rewarding choice.

10. MaxCarLoan

MaxCarLoan is yet another auto loan marketplace, one that offers a simplified, streamlined application for quick pre-approval on new and used auto loans.

That pre-approval comes with a soft credit check, leaving your score, however high or low it is, intact.

On the subject of credit scores, MaxCarLoan lists no minimum score requirements, making them another service to consult if your credit score is on the lower end of the spectrum.

MaxCarLoan doesn’t detail any income or vehicle requirements either. The company touts same-day pre-approval, and you could get a loan from one of their partners in a week or less.

If you get approved for any loans, the lenders will contact you directly, filling you in on the rates and terms you are eligible for.

Final Thoughts

As you set out to purchase or refinance your car, make sure you’re getting the best auto loan available to you.

Finding the right auto loan for you will depend on your financial status, vehicle, and the type of auto loan you’re looking for.

Fortunately, applying and getting approved for an auto loan is easier than ever, thanks to streamlined online applications.

With the auto loan comparison tools and lenders above, you can see all of your options and quickly make an informed decision.

Check out your credit score and see what types of loans you’re eligible for. Before you know it, you could be riding off the lot in style.


  1. Would you believe that the Bible foretold of a global cashless society over 2000 years ago? In the book of Revelation we see this prophecy:

    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name. Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18).

    Referring to the last days, this could only be speaking of a cashless society, which we have yet to see, but are heading towards. Otherwise we could still buy or sell without the mark among others if physical money was still currency. This mark could not be spiritual, because the word references two different physical locations.

    RFID microchip(see photo) technology will be the future of a one world cashless society being implanted in our right hand or forehead. Some time after the Antichrist takes the stage, Revelation 13:11-15 tells us that a false prophet will arise deceiving many to take the mark because of the miracles he does before men.

    This major Biblical prophecy is being fulfilled through the rapid growth of technology in our world. We can see how we have been conditioned through convenience in our every day life in different forms. More specifically by how we make payments…

    Since the ancient of times people have been using tangible currency to make payments among one another. Because of the rapid acceleration of technology in these recent generations, we have come to the digital age in which we are able to make virtual payments with such devices as debit and credit cards. We are now at the point where these cards have a chip contained with them, and some even allowing you to tap your card on a reader to make payment. Along with self checkout lines in our market places and the cryptocurrency industry making a rapid climb in such form as bitcoin, we can see that these are all stepping stones ultimately leading to a global cashless society.

    Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about a one-world system where everyone would have a RFID microchip implant…

    The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible(Brother Sanders was not a Christian at the time), these engineers spent approximately one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand(the two places Revelation says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

    Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16–18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.

    Mr. Sanders asked a doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor replied by saying a terrible sore would appear in that spot. This is what the book of Revelation says: “And the first(Angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    Visit http://WWW.BIBLEFREEDOM.COM to watch a video where Carl Sanders gives his testimony on how he helped design this RFID microchip and how it matches scripture in the Bible.

    Aaron Russo produced such movies as Mad as Hell, Trading Places, and America: Freedom to Fascism. He gained the attention of a man named Nick Rockefeller who told him their ultimate goal is to put an RFID microchip in everybody…

    Aaron and Nick(who is a lawyer) met through a female attorney of Aaron’s in the late 90’s. Nick had seen the movie Mad as Hell and knew Aaron was running for governor of Nevada. Knowing the impact Aaron was having on society, who being a freedom fighter standing for the constitution of the United States, Nick sought to befriend him to subtly recruit him into his secret society.

    Nick would come to visit Aaron’s home from time to time having dinner and sharing thoughts among one another. Nick had told Aaron 11 months before 9-11 occurred that there would be an event(though not sharing what that event would be), and from that event they would invade Afghanistan and Iraq to establish bases to help build the New World Order. And that there will be this war on terror where there is no real enemy, and the whole thing is a hoax; a tool used by the American Government to take over their own people through the propaganda of fear. Because you cannot define a winner, it can go on for as long as they desire.

    Aaron asked Nick what the purpose was for doing these things because they have all the money and power in the world. Nick replied by saying their ultimate goal is to put a microchip in everybody so they can have total control over the people.

    Visit http://WWW.BIBLEFREEDOM.COM to watch an excerpt of a historic interview with Aaron Russo where he reveals his conversations with Nick Rockefeller and more.

    In December of 2017 Donald Trump made history be recognizing Jerusalem as the capital of Israel. Why is this big news? Because by this the Jewish people are now able to push forward in bringing about their long awaited Third Temple prophesied in the Bible…

    Donald Trump is being compared by many to the Persian King Cyrus who brought about the decree for the Jewish people to return to their homeland Jerusalem and rebuild their Temple around 539 BC. An Israeli organisation has minted a coin bearing US President Donald Trump’s image(see photo above) to honor the US leader’s decision to move the American embassy to Jerusalem. This coin also bears the face of King Cyrus, as well as the Third Temple on the back. It is being sold to help raise funds to build this new Temple.

    The Jewish people have been without a temple for almost 2000 years since the destruction of the second temple in 70 AD by the invasion of the Roman army. This event was prophesied by Jesus in Matthew 24:1-2 where He told His disciples, “…Assuredly, I say to you, not one stone shall be left here upon another, that shall not be thrown down.” They are looking forward to not only having a temple once again, but to also receiving their messiah who they have been long awaiting for. In an interview, one Jewish man stated that this messiah will be a spiritual guide and political leader to all nations gathering all religions under the worship of one god.

    History tells us that the Orthodox Jewish people did not receive Jesus as their Messiah even though He fulfilled 300 Messianic prophecies concerning His birth place, details of His life, His mission, His nature, His death, and His resurrection.

    In the book of Isaiah chapter 53, prophet Isaiah gives a clear indication for recognizing the Messiah who was to come found in the Jewish peoples own Tanakh(also known as the Old Testament). He writes that the Messiah would be despised and rejected by men, He would be put to death for our transgressions; He was led as a lamb to the slaughter and His soul was an offering for sin. This chapter is clearly speaking of Jesus who is called the Lamb of God, who went to the cross to die for the sins of the world (John 3:16).

    Biblical prophecy tells us that this messiah who will seat himself in the Third Temple will be the Antichrist “who opposes and exalts himself above all that is called God or that is worshiped, so that he sits as God in the temple of God, showing himself that he is God” (2 Thessalonians 2:4).

    In the book of Daniel, prophet Daniel is given revelation from God telling us what the Antichrist will do in the last days: “Then he shall confirm a covenant with many for one week(known as 7 years); but in the middle of the week He shall bring an end to sacrifice and offering…” (Daniel 9:27). Jesus follows up with these verses and affirms to His disciples and readers about what is written in the book of Daniel by saying, “Therefore when you see the ‘abomination of desolation,’ spoken of by Daniel the prophet, standing in the holy place(temple) (Matthew 24:15)…then there will be great tribulation, such as has not been since the beginning of the world until this time, no, nor ever shall be” (Matthew 24:21).

    Visit http://WWW.BIBLEFREEDOM.COM to watch videos for proof that this Third Temple is in our near future, and not just a conspiracy.

    Astronomer(PhD) and best-selling author Hugh Ross travels the globe speaking on the compatibility of advancing scientific discoveries with the timeless truths of Christianity. His organization, Reasons to Believe (RTB), is dedicated to demonstrating, via a variety of resources and events, that science and biblical faith are allies, not enemies…

    Did you know that the 4 initial conditions and 10 creation events of how the universe and earth were formed written by Moses, in the book of Genesis, are not only all correct, but are also in the correct chronological order? Astronomer Hugh Ross calculated the probability that Moses could have known this by his own knowledge to be, conservatively, one in a quadrillion, quadrillion, quadrillion, quadrillion. Ask yourself, are you willing to bet your soul on them odds that Moses got it all correct by chance, or did God reveal it to him?

    Did you know that the Bible does not say the earth was formed in six 24-hour days, but rather six long finite periods of time? The universe is approximately 13.8 billion years old and the earth 4.5 billion. This does not contradict the Bible; it lines up with it. The Bible got it right from the beginning by concurring with the big bang saying, “In the beginning God created the heaven and the earth” (Genesis 1:1). And says our universe is expanding, thousands of years before scientists discovered these things.

    Earth resides in the darkest location within the Milky Way Galaxy where physical life is possible. And our Milky Way Galaxy lies in the darkest location in the universe where physical life is possible. Not only that, but so we are also able to observe all of the universe, from the cosmic beginning at the big bang, all the way through.

    Because we can observe the beginning at the big bang, we are able to confirm that the Bible had it right all along, that is, in the beginning God created the Heaven and Earth; as if God wanted us to discover Him through His creation and His word. The thought among scientists in years past was that the universe was eternal before they discovered a cosmic beginning. This discovery troubled some of them because they realized it favored the God of the Bible.

    The Bible, compared with the book of nature, has no contradictions, making ten times more creation claims than all other major “holy” books combined; while these other books contain scientific errors in them. Hugh Ross and his team have discovered these facts and many more. He has brought many scientists to faith in Jesus by showing how the Bible and the book of nature work together in harmony. His claims are based on published scientific documents. He has authored many books, backed even by atheist scientists.

    Hugh Ross is quoted to be saying, “Astronomers who do not draw theistic or deistic conclusions are becoming rare, and even the few dissenters hint that the tide is against them. Geoffrey Burbidge, of the University of California at San Diego, complains that his fellow astronomers are rushing off to join ‘the First Church of Christ of the Big Bang.”

    He founded and helps run an organization called Reasons to Believe that brings out the latest evidences for the God of the Bible on a weekly basis, only making stronger the case for the Biblical God as time goes on.

    Visit http://WWW.BIBLEFREEDOM.COM to watch a video where Dr. Hugh Ross goes over these facts and many more showing us that God has given us two books, the book of nature, and the Bible. And that these two books are allies, affirming to us that the Bible truly is the inspired word of God.

    Thousands of archaeological discoveries throughout the years have affirmed the history of people, places and events that are told within the Bible. Ron Wyatt(shown in photo) is well known for being a part of three big historical discoveries that many may call myths…

    In the year 1959, in Turkey was found a man-made ship buried, preserved underneath volcanic ash, at the elevation of 6,500 feet. The Bible says Noah’s Ark rested on the Mountains of Ararat after the floodwaters receded. Not only was this ship found on the Mountains of Ararat, it is also the exact same length God told Noah to build the Ark; that is, 515 feet, or 300 Royal Egyptian cubits. Ron Wyatt, along with scientists from around the world, lead the research of this artifact for many years.

    “Then the Lord rained upon Sodom and upon Gomorrah brimstone and fire from the Lord out of heaven; And he overthrew those cities, and all the plain, and all the inhabitants of the cities, and that which grew upon the ground” (Genesis 19:24-25).

    Archaeologists have discovered round balls of brimstone, or nearly pure sulfur(98), to be rained down on the cities of Sodom and Gomorrah turning it into ashes; unlike any other sulfur found on Earth. Geothermal activity near volcano’s produce about 40 sulfur, but is of a different kind. There is no geothermal activity around these cities of Sodom and Gomorrah.

    “…And the waters returned, and covered the chariots, and the horsemen, and all the host of Pharaoh that came into the sea after them; there remained not so much as one of them” (Exodus 14:21-28).

    Moses and the Israelites escaped the pursuing Egyptian army when God made a way by parting the waters of the Red Sea. The parted waters came crashing down upon the Egyptians, destroying all who pursued.

    Artifacts discovered across the bottom of the Red Sea include wheels, chariot bodies as well as human and horse bones. These chariot parts have been discovered to be from the Egyptian army during the era when the Exodus occurred.

    The Bible is more than just a book, it is a historical library consisting of 66 books written by 40 different authors over a span of 1,500 years. These authors lived in different times and regions, yet the Bible harmonizes itself beautifully across all books with no provable contradictions found within it. It contains God’s plan for the redemption of mankind from the cosmic beginning of creation, all the way to the end unto God’s new creation. Giving names, dates, places, full of prophecy, geography, history and science that can be put to test, and has, confirming the Bible to be true. There are over 25,000 ancient manuscripts of the New Testament lining up within 99.6 of each other, with just minor typos; As well as the Dead Sea scrolls found in 1947 affirming the Bible we have today has been preserved.

    Jesus came to pay a debt that we could not, to be our legal justifier to reconcile us back to a Holy God; only if we are willing to receive Him: “For the wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord” (Romans 6:23).

    “Jesus answered and said to him, “Most assuredly, I say to you, unless one is born again, he cannot see the kingdom of God.”

    Nicodemus said to Him, “How can a man be born when he is old? Can he enter a second time into his mother’s womb and be born?”

    Jesus answered, “Most assuredly, I say to you, unless one is born of water and the Spirit, he cannot enter the kingdom of God. That which is born of the flesh is flesh, and that which is born of the Spirit is spirit. Do not marvel that I said to you, ‘You must be born again.’ The wind blows where it wishes, and you hear the sound of it, but cannot tell where it comes from and where it goes. So is everyone who is born of the Spirit” (John 3:3-8).

    We need to have a personal encounter with the living God to truly know Jesus Christ as our Lord and Savior. God is as close as we allow Him to be. It is sin that separates our hearts from Him. We need to come before Him in prayer, humbling ourselves with an open heart; confessing our sins and be willing to forsake them. We need to keep asking Him for the Holy Spirit so we may be born from above, so we may walk in the Spirit by living a holy life. He is willing to destroy the works of the devil in our lives making us feel like a child again, but we must be willing to truly receive Him by obeying his commands.

    When we receive Jesus, and His baptism, our body of sin is put to death, just as He was buried. And just as He was raised to newness of life on the third day, likewise His Spirit within us makes us alive again. The same Spirit that rose Jesus from the dead will dwell in us, so when the time comes, we may be resurrected into newness of life.

    God is more beautiful than anything we could ever imagine. He is the best Father we could ever have Who only wants the best for us. Jesus promises trouble in this life for those who follow Him, and we may wonder why He would allow us to go through certain trials. First start with this question, what is God doing hanging on a cross? It is not that God has kept Himself separate from the suffering of this world, but He himself came to be a part of it for the redemption of mankind. This life is a foreshadow to the eternal one to come, a refiners fire to test our souls to bring about a genuine end time harvest of the wicked and righteous. Without pain and suffering there can be no free will, and without free will there can be no true love.

    Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    Visit http://WWW.BIBLEFREEDOM.COM to see proof of all of these things and much more!

    “…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!” (Revelation 4:8).

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