The rate information for this financing option is currently unavailable. APRs, loan amounts, and loan terms may differ depending on the lender’s underwriting standards, the applicant’s credit profile, income, debt-to-income ratio, and vehicle details. The figures shown on this page are intended for reference only and should not be considered a final offer. Please contact the lender directly or return later for the most accurate and up-to-date information.
Because of CarsDirect's network structure, there are no publicly disclosed requirements. However, they do work with drivers who have less-than-perfect credit. This means you may still qualify for a bad credit loan even if you have a past bankruptcy or another negative credit event. In addition, CarsDirect can connect you with lenders that may offer competitive rates, whether or not you have an excellent financial history. As with any lender, though, the most competitive rates are generally reserved for borrowers with strong credit.
The process of finding an auto loan through CarsDirect is straightforward. The site says you can complete the application in about 60 seconds and potentially get into your next vehicle in as little as 24 to 48 hours.
Submit the form: Complete an online application with your personal and vehicle details. This is a no-obligation application, but as you move forward, you can expect lenders to perform a hard inquiry.
A CarsDirect representative will contact you within 24 hours after you submit the form to present different financing options.
CarsDirect encourages borrowers to buy their vehicle through its network, but regardless of your plan, be sure to compare your loan offer with at least three other lenders.
At this point, you have vehicle financing and can either drive away with a new vehicle through CarsDirect's network or continue shopping elsewhere.
