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Lender Reviews


Bankrate auto loan reviews With so many options, finding the best auto loan to meet your requirements can be a challenge. Before heading to the dealership, explore what loan alternatives are available. The lenders we rate and review have a wide range of amounts, terms and interest rates. So whether it's your first car or you're planning to refinance your current loan you'll be able to thoroughly research financing choices before you hit the road.


Featured reviews
Low APR
4.2 Score: 4.2 stars out of 5
Bankrate Score Bankrate Rating = 4.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula considers a variety of factors consumers should take into consideration when selecting financial products and services.









Flexible Loan Terms
3.5 Rating: 3.5 stars out of 5
Rate of Bankrate = 3.5/5 Bankrate scores are objectively determined by our editorial team. Our scoring system weighs many factors consumers should be aware of when choosing financial products and services.









Customer Service
4.2 rating: 4.2 stars out of 5
Bankrate Score Bankrate Rating = 4.2/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several elements that consumers must consider when choosing financial items and products.











All lender reviews
4.7 Score: 4.7 stars out of 5
Bankrate Score Bankrate Rating = 4.7/5 Bankrate scores are objectively assessed by our editorial team. Our scoring system weighs many factors consumers should be aware of when choosing the right financial products and services.












4.4 Score: 4.4 stars out of 5
Rate of Bankrate Bankrate = 4.4/5 Bankrate scores are objectively assessed by our editorial team. Our scoring system weighs many elements that consumers must take into consideration when selecting financial items and products.











With a nationwide footprint and a large branches network U.S. Bank is a great option for auto loan clients who appreciate the convenience of personal customer service.




4.3 rating: 4.3 stars out of 5
Bankrate Score Bankrate Rating = 4.3/5 Bankrate scores are independently calculated by our editorial staff. Our scoring system weighs many elements that consumers must consider when choosing services and financial products.











Navy Federal has been serving the families of military personnel since 1933, when it was first established in 1933 as a bank for naval employees.




4.2 rating: 4.2 stars out of 5
Bankrate Score Bankrate Rating = 4.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula considers a variety of factors consumers should consider when choosing the right financial products and services.











Autopay is an online marketplace for loans that assists consumers in finding the most affordable automobile loan financing. You can look up potential loan deals from lenders on their network within minutes, without impacting the credit rating of yours.




4.2 Score: 4.2 stars out of 5
Rate of Bankrate Bankrate = 4.2/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring system weighs many factors consumers should be aware of when choosing the right financial goods and other services.











Carvana is accessible to those looking to purchase a vehicle on the Carvana website. Customers can choose to be able to have it delivered directly to their doorstep or using an "car vending machine" within their area.




4.2 Score: 4.2 stars out of 5
Rate of Bankrate Bankrate = 4.2/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several aspects that consumers need to take into consideration when choosing financial items and products.











LightStream is an internet-based lender that provides unsecured auto loans for new cars and purchases, in addition to auto loan refinancing.




4.1 Score: 4.1 stars out of 5
Bankrate Score Bankrate Rating = 4.1/5 Scores on bankrates are objectively determined by our editorial team. Our scoring system weighs many factors consumers should consider when choosing the right financial items and products.












4.1 rating: 4.1 stars out of 5
Rate of Bankrate Bankrate = 4.1/5 Scores on bankrates are objectively calculated by our editorial staff. Our scoring formula weighs several elements that consumers must be aware of when selecting the right financial goods and other services.











Pentagon Federal Credit Union, often referred to as PenFed is an institution that provides loans for new and used cars, loans and auto refinance loans as well as lease purchase loans.




4.1 Rating: 4.1 stars out of 5
Bankrate Score Bankrate Rating = 4.1/5 Bankrate scores are objectively assessed by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.











Upstart is an internet-based lender that was established in 2012. It is the first to pioneer a novel approach to lending by using AI technology to identify risk rather than more traditional underwriting criteria.




4 Rating 4 stars out of 5
Rate of Bankrate = 4/5 Scores for Bankrate are determined objectively through our team of editors. Our scoring formula considers a variety of aspects that consumers need to consider when choosing financial products and services.











Consumers Credit Union (CCU) is a membership-based credit union that offers new, used and auto refinance loans. If you are a member, acceptance is only a $5 fee and a deposit of another $5 or more to any of their bank accounts.




4 Rating 4 . 5 stars.
The Bankrate Score is 4/5. Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when deciding on the right financial products and services.











Westlake Financial serves drivers looking to finance or purchase their next car and partners with over 30,000 dealerships across the 50 states.




4 Rating: 4 stars out of 5
score of 4/5. Bankrate ratings are subjectively assessed by our editorial team. Our scoring algorithm weighs many factors consumers should consider when choosing financial goods and other services.











Capital One offers auto loans for used and new car purchases at selected dealerships. The lender also provides refinancing on current auto loans.




3.9 Rating: 3.9 stars out of 5
Bankrate Score Bankrate Rating = 3.9/5 Scores for Bankrate are independently determined by our editorial team. Our scoring system weighs many factors consumers should be aware of when choosing the right financial products and services.











Tenet, an online EV loan platform is driven by a single goal as stated by its the founder Alex Liegl, "To help everyone drive electric with less." Founded in 2021, Tenet has already enabled many environmentally conscious drivers to transition to electric. Tenet offers financing for electric cars along with the possibility of refinancing existing EV loans.




3.9 Score: 3.9 stars out of 5
The Bankrate Score is 3.9/5. 3.9/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.











USAA is a Texas-based business that serves U.S. military members and veterans, officers with pre-commissioned rank and spouses and children of either. Members can take out auto loans for new and used vehicles as well as refinance their existing ones.




3.9 Score: 3.9 stars out of 5
Bankrate Score Bankrate Rating = 3.9/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to consider when choosing services and financial products.











If you want to refinance your car loan, iLending may be the best starting point. iLending offers refinancing solutions for most vehicles loans with the intention of saving you money.




3.9 Rating: 3.9 stars out of 5
Rate of Bankrate Bankrate = 3.9/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to consider when choosing financial products and services.











MyAutoLoan can be described as an online service that makes it simple to find the best deals for auto finance.




3.9 Rating: 3.9 stars out of 5
The Bankrate Score is 3.9/5. 3.9/5 Scores on bankrates are objectively assessed by our editorial team. Our scoring formula weighs several aspects that consumers need to take into consideration when choosing financial items and products.











Credit Direct is a personal loan marketplace that provides loans direct and via its trusted network of partners to borrowers searching for loans.




3.8 Score: 3.8 stars out of 5
The Bankrate Score is 3.8/5. 3.8/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing the right financial products and services.











M&T Bank serves drivers primarily on the east coast in products that range from credit cards , insurance to lending.




3.8 Rating: 3.8 stars out of 5
Bankrate Score Bankrate Rating = 3.8/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several factors consumers should take into consideration when selecting the right financial items and products.











You may have heard of LendingClub as a peer-to-peer (P2P) lending source for personal loans However, it could also help you with auto loan refinances. LendingClub offers a non-traditional way of financing.




3.8 Rating: 3.8 stars out of 5
The Bankrate Score is 3.8/5. 3.8/5 Scores on bankrates are objectively calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to be aware of when choosing the right financial items and products.











CarsDirect is not an direct auto lender but rather a marketplace that presents motorists with loan options straight through its network.




3.7 Score: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Scores on bankrates are objectively calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to be aware of when choosing financial items and products.











Shift, an online marketplace claims its mission is to help make the car buying process easy throughout the duration of ownership of a vehicle -- from purchasing all the way to selling. Much like its competitors, Carvana and Vroom, Shift supports a direct delivery method that allows buyers to benefit from financing and car purchases while sitting at your home.




3.7 Rating: 3.7 stars out of 5
The Bankrate Score is 3.7/5. 3.7/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula considers a variety of elements that consumers must take into consideration when selecting the right financial products and services.











Nationwide Bank does not directly offer refinance auto loans to drivers, but it does provide services to customers through its partnership with Axos Bank.




3.7 rating: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Bankrate scores are objectively assessed by our editorial team. Our scoring system weighs many elements that consumers must be aware of when selecting financial items and products.











Ally Clearlane, a subsidiary of Ally Financial Inc., is a direct lender that offers a streamlined digital auto financing experience for those who want to refinance their existing vehicle or buy out their lease.




3.7 Score: 3.7 stars out of 5
The Bankrate Score is 3.7/5. 3.7/5 Bankrate scores are independently determined by our editorial team. Our scoring formula weighs several elements that consumers must consider when choosing financial products and services.











Caribou was formerly was known as MotoRefi offers an affordable car refinancing loans through its lender network. These lenders range from credit unions to community banks




3.7 Rating: 3.7 stars out of 5
The Bankrate Score is 3.7/5. 3.7/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several elements that consumers must be aware of when choosing the right financial items and products.











Auto Credit Express serves as an online lender marketplace, primarily catering to drivers with poor credit or no credit, as well as those who were denied in the past due to bankruptcy.




3.7 Score: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Bankrate scores are independently assessed by our editorial team. Our scoring formula considers a variety of elements that consumers must be aware of when selecting the right financial products and services.











PNC Bank is one of the biggest banks in the U.S., with more than 2,600 branches across the United States.




3.6 rating: 3.6 stars out of 5
Rate of Bankrate is 3.6/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula considers a variety of aspects that consumers need to consider when choosing the right financial products and services.












3.6 Score: 3.6 stars out of 5
Bankrate Score Bankrate Rating is 3.6/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring system weighs many elements that consumers must be aware of when choosing financial items and products.











RateGenius provides an online service that links borrowers with lenders who provide auto refinancing. On average, it claims its users will save $96 each month when refinancing their auto loan by using RateGenius.




3.6 rating: 3.6 stars out of 5
The Bankrate Score is 3.6/5. = 3.6/5 Bankrate scores are objectively determined by our editorial team. Our scoring system weighs many elements that consumers must consider when choosing financial items and products.











Vroom is an online used car selling platform. Although Vroom doesn't offer financing on its own, it collaborates with over dozen lending partners to facilitate financing for drivers.




3.5 rating: 3.5 stars out of 5
Bankrate Score Bankrate Rating = 3.5/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several aspects that consumers need to take into consideration when selecting financial products and services.











Fifth Third Bank, a regional bank with its headquarters in Cincinnati, offers auto loans for used and new vehicles as well as auto refinance loans to its members that hold checking and savings accounts.




3.5 rating: 3.5 stars out of 5
Rate of Bankrate is 3.5/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring system weighs many elements that consumers must be aware of when selecting financial products and services.











With about 1,500 branches across the U.S., Regions Bank provides auto loans to those who want the convenience of face-to-face communication while still having the option to access your loan online.




3.5 rating: 3.5 stars out of 5
The Bankrate Score is 3.5/5. = 3.5/5 Bankrate scores are objectively assessed by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.











RefiJet is an auto refinancing firm that caters to those who want better terms on their auto loans and a simpler method to rate shop.




3.5 rating: 3.5 stars out of 5
Bankrate Score Bankrate Rating is 3.5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several aspects that consumers need to consider when choosing the right financial items and products.











CarMax serves drivers across the country who want to purchase pre-owned vehicles. CarMax recently entered the realm of remote purchase and offers drivers the convenience of delivery of their vehicle and financing through one website.




3.5 rating: 3.5 stars out of 5
Rate of Bankrate = 3.5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula considers a variety of aspects that consumers need to be aware of when choosing the right financial products and services.











Bank of America works directly with authorized dealers across the country to provide financing for over two million vehicles available.




3.3 rating: 3.3 stars out of 5
Rate of Bankrate Bankrate = 3.3/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring system weighs many elements that consumers must be aware of when choosing the right financial products and services.











Although the Valley Bank's process is not publicized online, customers can gain access to financing for used and new automobiles in person or online with an APR that is competitive.




3.2 rating: 3.2 stars out of 5
The Bankrate Score is 3.2/5. 3.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula considers a variety of factors consumers should consider when choosing the right financial items and products.











Tresl partners with lenders throughout the U.S. to offer auto financing at competitive rates. It is not a direct lender but an online platform.




3.2 Rating: 3.2 stars out of 5
Rate of Bankrate Bankrate = 3.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several factors consumers should take into consideration when selecting financial items and products.











Wells Fargo, a national bank established in 1852, serves customers across all of the United States. Its suite of products includes personal and commercial banking, investments and loans.






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