Rates & Eligibility
Straightforward pricing.
APRs are fixed for the life of the loan. No prepayment penalty, no origination fee on standard loans, and no balloon payments.
Starter
$500 – $2,500
APR from
24.9%
Term
12 mo
Best for short-term needs
Standard
$2,500 – $15,000
APR from
22.9%
Term
24 mo
Most common loan size
Premium
$15,000 – $50,000
APR from
19.9%
Term
36 mo
For high-equity vehicles
Eligibility
- Be at least 18 years old (19 in some states)
- Own a vehicle with a lien-free title in your name
- Vehicle model year 2005 or newer, under 175,000 miles
- Provide proof of income or ability to repay
- Maintain full-coverage auto insurance for the loan term
Sample cost
A $5,000 loan at 22.9% APR over 24 months:
- Monthly payment
- $261.79
- Total interest
- $1,282.94
- Total repaid
- $6,282.94
- Prepayment penalty
- None
Disclosure: APRs shown are the lowest available and depend on state of residence, vehicle appraisal, and applicant credit profile. Loans are not available in all states. This is not a commitment to lend.