Auto Loans for New & Used Cars

Compare rates from 75+ lenders and save thousands on your next vehicle purchase. Get pre-approved in minutes.

Compare Auto Loan Rates

5 min application

No credit impact

Free to use

Current Auto Loan Rates

4.99%

Starting APR

For excellent credit (720+)

$5K-$150K

Loan Amounts

New & used vehicles

2-7 years

Loan Terms

Flexible options

Auto loan requirements

Typical Requirements

Credit score of 580+ (670+ for best rates)

Proof of stable income ($1,500-$2,500/month minimum)

Debt-to-income ratio below 40%

Valid driver's license

Proof of insurance

Vehicle & Documentation

Vehicle age: Most lenders finance cars up to 10 years old

Mileage limits: Typically 125,000-150,000 miles max

Proof of income (pay stubs or tax returns)

Proof of residence (utility bill or lease)

Down payment: 10-20% recommended but not always required

Why choose FundingPoint for auto loans?

New & Used Cars

Finance any vehicle from dealerships or private sellers. We work with all makes and models.

Competitive Rates

Compare offers from 75+ lenders to find the best rate and terms for your situation.

Fast Approval

Get pre-approved in minutes with no impact to your credit score. Shop with confidence.

Flexible Terms

Choose from 24 to 84-month terms to find a payment that fits your budget.

Refinance Options

Already have an auto loan? Refinance to lower your rate and reduce your monthly payment.

Secure Process

Bank-level encryption protects your personal information throughout the application.

How to get an auto loan

Tell us about your vehicle

Share details about the car you want to buy and your financial situation

Compare your offers

Review personalized rates from multiple lenders with no credit impact

Get approved & buy

Choose your best offer and complete the purchase with confidence

Ready to finance your next vehicle?

Get personalized offers in minutes with no impact to your credit

Get Started