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Lender Reviews


Auto loan reviews With so many options choosing the most suitable auto loan for you and your needs could be a challenge. Before visiting the dealership, explore the loan alternatives are available. The lenders we rate and review have a wide range of rates, terms and interest rates -- so regardless of whether this is your first car or you're looking to refinance your existing loan you'll be able to fully investigate potential financing options before hitting the road.


Featured reviews
Low APR
4.2 Score: 4.2 stars out of 5
Bankrate Score Bankrate Rating = 4.2/5 Scores on bankrates are objectively assessed by our editorial team. Our scoring formula weighs several aspects that consumers need to take into consideration when selecting financial products and services.









Flexible Loan Terms
3.5 rating: 3.5 stars out of 5
The Bankrate Score is 3.5/5. = 3.5/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula weighs several factors consumers should be aware of when choosing the right financial items and products.









Customer Service
4.2 Score: 4.2 stars out of 5
Rate of Bankrate Bankrate = 4.2/5 Scores on bankrates are objectively determined by our editorial team. Our scoring formula considers a variety of factors consumers should be aware of when selecting financial items and products.











All lender reviews
4.7 rating: 4.7 stars out of 5
Rate of Bankrate Bankrate = 4.7/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula weighs several factors consumers should be aware of when choosing financial items and products.












4.4 Score: 4.4 stars out of 5
Bankrate Score Bankrate Rating = 4.4/5 Bankrate scores are independently calculated by our editorial staff. Our scoring system weighs many elements that consumers must consider when choosing the right financial products and services.











With a nationwide footprint and a large branch network, U.S. Bank is the ideal choice for auto loan borrowers who prefer 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 objectively calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to consider when choosing financial products and services.











Navy Federal has been serving military members and their families since 1933 after opening as a credit union for naval employees.




4.2 rating: 4.2 stars out of 5
The Bankrate Score is 4.2/5. 4.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to take into consideration when choosing financial goods and other services.











Autopay offers an on-line marketplace for loans which helps customers find the most affordable automobile loan financing. You can look up potential loan offers from lenders within their network in a matter of minutes without impacting your credit score.




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 financial goods and other services.











Carvana is accessible to those looking to purchase a vehicle through Carvana's website. They can be able to have it delivered directly to their door or via an "car vending machine" within their region.




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 weighs several aspects that consumers need to take into consideration when choosing financial items and products.











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




4.1 Score: 4.1 stars out of 5
Rate of Bankrate Bankrate = 4.1/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to consider when choosing financial items and products.












4.1 Score: 4.1 stars out of 5
Bankrate Score Bankrate Rating = 4.1/5 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.











Pentagon Federal Credit Union, also known as PenFed is a credit union that offers loans for used and new automobile loans, refinancing auto loans and lease buyout loans.




4.1 Score: 4.1 stars out of 5
The Bankrate Score is 4.1/5. 4.1/5 Bankrate scores are objectively determined by our editorial team. Our scoring system weighs many aspects that consumers need to consider when choosing financial items and products.











Upstart is an internet-based lender which was founded in 2012. It is the first to pioneer a novel approach to lending by using AI technology to assess risk instead of more conventional underwriting requirements.




4 Rating 4 stars out five
Bankrate Score Bankrate Rating = 4/5 Scores for Bankrate are determined objectively from our editors. Our scoring algorithm weighs many elements that consumers should take into consideration when deciding on financial items and products.











Consumers Credit Union (CCU) is a membership-based credit union which offers used, new and auto refinance loans. While you must be a member, acceptance is only a $5 fee as well as a deposit of $5 or more in the bank account of one.




4 Rating 4 . 5 stars.
Bankrate Score Bankrate Rating = 4/5 Scores for Bankrate are determined objectively by our editorial team. Our scoring formula weighs several aspects that consumers need to consider when choosing financial goods and other services.











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




4 Rating 4 5 stars out of 5.
Bankrate Score Bankrate Rating = 4/5 Bankrate scores are subjectively determined by our editorial team. Our scoring formula considers a variety of elements that consumers should take into consideration when choosing financial goods and other services.











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




3.9 Score: 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 consider when choosing financial products and services.











Tenet the internet-based EV loan platform, has a simple mission as stated by its founder Alex Liegl, "To help any person who wants to drive electric for less." It was established in 2021, Tenet has already enabled many climate-conscious drivers to make the switch to electric. Tenet provides financing for electric cars along with the possibility of refinancing current EV loans.




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











USAA is a Texas-based business that serves U.S. military members and veterans, pre-commissioned officers , the spouses, children and kids of each. Members can take out auto loans to purchase new or 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 determined by our editorial team. Our scoring system weighs many aspects that consumers need to consider when choosing financial products and services.











If you are looking to refinance your vehicle loan ILending might be the perfect starting point. iLending offers refinancing options for all vehicles loans with the aim of saving you money.




3.9 rating: 3.9 stars out of 5
Rate of Bankrate Bankrate = 3.9/5 Scores for Bankrate are independently determined by our editorial team. Our scoring system weighs many elements that consumers must be aware of when choosing financial goods and other services.











MyAutoLoan is an online platform that allows you to locate the most affordable deals for auto finance.




3.9 Score: 3.9 stars out of 5
The Bankrate Score is 3.9/5. 3.9/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula considers a variety of aspects that consumers need to take into consideration when choosing the right financial goods and other services.











Credit Direct is a personal loan marketplace that lends direct and via its dependable partner network to borrowers looking for loans.




3.8 Rating: 3.8 stars out of 5
Bankrate Score Bankrate Rating = 3.8/5 Bankrate scores are objectively assessed by our editorial team. Our scoring formula considers a variety of aspects that consumers need to take into consideration when selecting financial products and services.











M&T Bank serves drivers primarily on the east coast with banking products ranging from credit cards and insurance to lending.




3.8 Score: 3.8 stars out of 5
Rate of Bankrate Bankrate = 3.8/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring system weighs many factors consumers should consider when choosing the right financial goods and other services.











You may have heard of LendingClub to be a peer-to peer (P2P) lending service for personal loans However, it could assist you in auto loan refinances. LendingClub provides a different method of financing.




3.8 Rating: 3.8 stars out of 5
Bankrate Score Bankrate Rating = 3.8/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to be aware of when choosing financial goods and other services.











CarsDirect is not an actual direct auto lender but rather an online marketplace that provides motorists with loan options straight from its network.




3.7 rating: 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 factors consumers should consider when choosing the right financial products and services.











Shift, an e-commerce platform claims its mission is to help make the car buying process seamless throughout the entire cycle of vehicle ownership- from purchasing through selling. Much like its competitors, Carvana as well as Vroom, Shift supports a direct delivery system which allows buyers to profit from financing and car purchases all from the comfort of the home.




3.7 rating: 3.7 stars out of 5
Rate of Bankrate Bankrate = 3.7/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several elements that consumers must take into consideration when selecting financial products and services.











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




3.7 Rating: 3.7 stars out of 5
Rate of Bankrate Bankrate = 3.7/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to take into consideration when choosing the right financial items and products.











Ally Clearlane, a subsidiary of Ally Financial Inc., is a direct lender that offers a simplified digital experience for financing your car for those who want to refinance their existing vehicle or to 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 calculated by our editorial staff. Our scoring formula considers a variety of factors consumers should take into consideration when selecting the right financial goods and other services.











Caribou, formerly called MotoRefi, provides competitive auto refinance loans through its network of lenders. These lenders range from the community bank to credit unions




3.7 Score: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Bankrate scores are impartially 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 goods and other services.











Auto Credit Express serves as a lender marketplace primarily serving customers with bad credit or no credit, as well as those who were refused previously because of bankruptcy.




3.7 Score: 3.7 stars out of 5
Rate of Bankrate Bankrate = 3.7/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several factors consumers should consider when choosing financial items and products.











PNC Bank is one of the largest banks in the U.S., with more than 2,600 branches throughout the nation.




3.6 rating: 3.6 stars out of 5
Rate of Bankrate = 3.6/5 Scores on bankrates are objectively assessed by our editorial team. Our scoring formula considers a variety of elements that consumers must take into consideration when selecting financial products and services.












3.6 Score: 3.6 stars out of 5
The Bankrate Score is 3.6/5. = 3.6/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring system weighs many factors consumers should consider when choosing the right financial items and products.











RateGenius is an online platform that connects borrowers to lenders who offer auto refinancing. In the average, its users will save $96 each month when refinancing their car loan via RateGenius.




3.6 Rating: 3.6 stars out of 5
Bankrate Score Bankrate Rating is 3.6/5 Scores on bankrates are objectively determined by our editorial team. Our scoring system weighs many factors consumers should consider when choosing the right financial goods and other services.











Vroom is an online used vehicle selling platform. While Vroom does not offer financing, it does work with over 12 banks and lending partners to facilitate financing for drivers.




3.5 Score: 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 considers a variety of aspects that consumers need to be aware of when choosing the right financial products and services.











Fifth Third Bank, a regional financial institution with its headquarters in Cincinnati it offers auto loans for new and used automobiles and automobile refinance loans to members who are enrolled in savings or checking accounts.




3.5 rating: 3.5 stars out of 5
Rate of Bankrate 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 financial products and services.











With about 1,500 branches across the U.S., Regions Bank offers auto loans to those who want the convenience of personal communications, while also having the option to access their loan online.




3.5 rating: 3.5 stars out of 5
Rate of Bankrate is 3.5/5 Scores on bankrates are objectively calculated by our editorial staff. Our scoring formula considers a variety of elements that consumers must take into consideration when selecting the right financial items and products.











RefiJet is an auto refinancing company that caters to individuals seeking more favorable terms for their auto loans and a more efficient method to rate shop.




3.5 Rating: 3.5 stars out of 5
The Bankrate Score is 3.5/5. is 3.5/5 Bankrate scores are objectively determined by our editorial team. Our scoring system weighs many factors consumers should consider when choosing the right financial items and products.











CarMax serves drivers across the country who want to purchase used vehicles. It has recently dove into 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
Bankrate Score Bankrate Rating = 3.5/5 Bankrate scores are objectively assessed by our editorial team. Our scoring formula considers a variety of elements that consumers must consider when choosing financial products and services.











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




3.3 rating: 3.3 stars out of 5
Bankrate Score Bankrate Rating = 3.3/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should be aware of when choosing the right financial items and products.











Although much of Valley Bank's business practices aren't publicly available, customers can gain access to financing for used and new automobiles in person or online with competitive APRs.




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











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




3.2 Score: 3.2 stars out of 5
Rate of Bankrate Bankrate = 3.2/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several elements that consumers must take into consideration when selecting the right financial goods and other services.











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






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