Is using the best way to find low interest rates?



Looking for a loan when buying a car or trying to refinance an existing auto loan? Loan aggregator websites like can help match potential borrowers with a range of loan offers in a short period of time. But is the best auto financing service out there, or should you look for an alternative?

This review takes a closer look at’s loan details, application process, and customer reviews. We’ll help you decide if you should give the website a shot or if you may find the best auto loans elsewhere. 

To go ahead and start comparing auto loan options, visit



In this article:


For more than 15 years, has helped match car buyers with low-interest loan offers. Headquartered in Irving, Texas, the company offers a wide range of products and services, including loans for new and used vehicles as well as lease buyouts, lease refinancing, and private-party sales. Pros Cons
Offers loans for drivers with low credit scores Not available in Alaska and Hawaii
Offers loans for private purchases Not available to drivers with credit scores below 575
Good customer service reputation
and an A+ rating from the Better Business Bureau (BBB)
 Loan Details

Because connects customers with loan offers from a number of different lenders, some loan details may vary. There is a minimum loan amount of $5,000 for refinancing and an $8,000 loan minimum for purchase loans and lease buyout loans.

Other loan details are outlined in the chart below. Loan Details
Loan Amount Range Varies, $5,000 to $8,000 minimum
Loan Term Length 24 to 84 months
Annual Percentage Rate (APR) 2.39 to 4.69 percent
Late Payment Fee Varies by lender
Prepayment Penalty Varies by lender

Interest rates may vary depending on the type of loan as well as the loan period. The chart above shows the lowest interest range offered, but your rates may increase depending on your credit score. If you have a particularly strong credit score, you may want to look into another provider that offers rates even lower than two percent.

To get a specific idea of what your monthly payments may be, has an interest rate estimator and a payment calculator tool on its website. Loan Application Process

To apply for a loan through, you only need to complete a simple online form. Be ready with the following information:

  • Basic personal information (name, address, phone number)
  • Resident status and monthly housing payment
  • Employment status and income
  • Vehicle information (year, make, model, mileage, lien holder)

In order to finalize any loan, you may also need to upload scans of the following documents:

  • Current driver's license
  • Proof of auto insurance
  • Contact information for a personal reference 
  • Pay stub with current year-to-date earnings

After filling out an online application form, will match you with multiple loan offers. The final paperwork can be completed online, and borrowers can receive an online certificate or check within 24 hours. There is no application fee.




Will You Qualify For Services?

Drivers hoping to be approved for a loan from should be at least 18 years old and have no open bankruptcies. Other minimum requirements are described in the chart below: Borrower Eligibility Requirements
Minimum Credit Score 575
Minimum Income for Loan Refinancing $18,000 gross yearly income
Minimum Income for Purchase Loans $21,000 gross yearly income
Minimum Loan Balance for Refinancing $5,000

Used vehicles must have no more than 125,000 miles and be less than 10 years old to qualify for a purchase loan. Reviews And Reputation

The BBB page for has very few customer reviews and complaints, but the business is accredited by the BBB and holds an A+ rating.

Customers have given more feedback on Trustpilot, where the company has a 4.3 out 5.0 rating based on over 650 reviews. As with most auto loan providers, there is a mix of both positive and negative customer feedback.

Negative Reviews

Customers have complained about running hard credit checks, which can lower a person’s credit score. One angry customer wrote:

“Not happy with the fact that about three different loan companies pulled my credit after I accepted a different offer. Never will I recommend this website to anyone. My credit took a near 17-point dip.”

- Allison M. via Trustpilot

Hard credit checks are common when applying for loans, though using a loan aggregation site like can mean more of these types of checks will be run simultaneously.

Positive Reviews

Positive reviews mention an easy and fast loans process. Many customers reported receiving what they found to be good loan offers. One pleased customer wrote:

“I found [] very helpful in finding my new finance company to refinance my vehicle. I am very satisfied with the outcome. My new company is saving me more than $200 a month on vehicle payments.”

- Carol via Trustpilot

The benefit of a loan aggregation site like is that customers can be matched with a high number of loan offers with minimal paperwork.



Our Take On 4.0 Stars offers a standard loan matching service and above-average customer service. It has a strong reputation with an A+ rating from the BBB. Overall, we give 4.0 stars.

Motor1 Rating 4.0
Loan Details 3.5
Loan Availability 3.5
Application Process 4.0
Customer Service 4.0

For those with especially low credit, it is probably not worth filling out an application, as the company’s hard credit checks could decrease your score further and you may not even be eligible for a loan anyway.

Be sure to read our section on minimum qualifications before applying. If you have an especially high credit score, we think there are other companies that can offer superior rates. Of course, the only way to know for sure is to complete an application and see which offers you receive.

To compare auto loan offers, visit