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Lender Reviews


Review of Bankrate's auto loan reviews With numerous options, finding the best auto loan for your requirements can be difficult. Before visiting the dealership look into what loan alternatives are available. The lenders we rate and review provide a variety of amounts, terms and interest rates -- so whether it's your first car, or you are looking to refinance your current loan you'll be able to explore all possible financing options before hitting the road.


Review of the week
Low APR
4.2 Rating: 4.2 stars out of 5
Rate of Bankrate Bankrate = 4.2/5 Scores on bankrates are objectively calculated by our editorial staff. Our scoring formula weighs several factors consumers should consider when choosing the right financial goods and other services.









Flexible Loan Terms
3.5 Rating: 3.5 stars out of 5
Bankrate Score Bankrate Rating = 3.5/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula considers a variety of elements that consumers must take into consideration when selecting financial items and products.









Customer Service
4.2 rating: 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 weighs several factors consumers should consider when choosing financial products and services.











All lender reviews
4.7 Score: 4.7 stars out of 5
Bankrate Score Bankrate Rating = 4.7/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to take into consideration when selecting the right financial products and services.












4.4 Rating: 4.4 stars out of 5
Bankrate Score Bankrate Rating = 4.4/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several elements that consumers must be aware of when choosing financial items and products.











With a national footprint and a large branches network U.S. Bank is a great option for auto loan borrowers who prefer the convenience of in-person customer service.




4.3 Score: 4.3 stars out of 5
The Bankrate Score is 4.3/5. 4.3/5 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.











Navy Federal has been serving military members and their families since 1933, when it was first established as a credit union specifically 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 determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing the right financial products and services.











Autopay can be described as an internet-based marketplace for loans which helps customers find the most affordable car loan financing. It allows you to view possible loan deals from lenders on their network within minutes, without affecting your score on credit.




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 system weighs many elements that consumers must consider when choosing financial products and services.











Carvana is accessible to those interested in purchasing a vehicle on the Carvana website. Customers can choose to get it delivered to their door or via the "car vending machine" in their local region.




4.2 Rating: 4.2 stars out of 5
Rate of Bankrate Bankrate = 4.2/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to be aware of when selecting the right financial products and services.











LightStream is an online lender that offers unsecured auto loans to finance new car purchases and used car purchases, as well as automobile loan refinancing.




4.1 rating: 4.1 stars out of 5
Rate of Bankrate Bankrate = 4.1/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring system weighs many elements that consumers must consider when choosing financial products and services.












4.1 rating: 4.1 stars out of 5
Rate of Bankrate Bankrate = 4.1/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula weighs several aspects that consumers need to be aware of when selecting financial items and products.











Pentagon Federal Credit Union, often referred to as PenFed is a credit union offering loans for both used and new car loans and refinancing auto loans and lease buyout loans.




4.1 Score: 4.1 stars out of 5
Rate of Bankrate Bankrate = 4.1/5 Bankrate scores are objectively assessed by our editorial team. Our scoring system weighs many aspects that consumers need to take into consideration when choosing the right financial items and products.











Upstart is an online lender which was founded in 2012. It pioneered a revolutionary approach to lending by using AI technology to assess risk instead of more conventional underwriting guidelines.




4 Rating 4 stars out five
Bankrate Score Bankrate Rating = 4/5 Scores for Bankrate are determined objectively through our team of editors. Our scoring formula considers a variety of elements that consumers should take into consideration when deciding on financial items and products.











Consumers Credit Union (CCU) is a credit union based on membership which offers used, new or auto refinance loans. Although you have to be a member, acceptance is just a $5 cost as well as a deposit of $5 or more in one of its bank accounts.




4 Rating: 4 . 5 stars.
Bankrate Score Bankrate Rating = 4/5 Bankrate scores are objectively determined through our team of editors. Our scoring formula considers a variety of factors consumers should consider when choosing financial items and products.











Westlake Financial serves drivers looking to finance or purchase their next car and partners with over 30,000 dealerships in all 50 states.




4 Rating 4 stars out of 5
The scores for Bankrate are objectively assessed by our editorial team. Our scoring formula weighs several elements that consumers should take into consideration when deciding on the right financial goods and other services.











Capital One offers auto loans for used and new car purchases at certain dealerships. The lender also offers refinancing of existing auto loans.




3.9 Score: 3.9 stars out of 5
Bankrate Score Bankrate Rating = 3.9/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula considers a variety of factors consumers should take into consideration when selecting the right financial items and products.











Tenet, an internet-based EV loan platform is a company with a mission according to its founder Alex Liegl, "To help anyone drive electric for less." Founded in 2021, Tenet has already enabled many climate-conscious drivers to transition to electric. Tenet provides financing for electric cars along with the possibility of refinancing current EV loans.




3.9 Rating: 3.9 stars out of 5
The Bankrate Score is 3.9/5. 3.9/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring system weighs many aspects that consumers need to be aware of when choosing financial items and products.











USAA is a Texas-based company that provides U.S. military members and veterans, officers with pre-commissioned rank and parents and spouses of both. Members can take out auto loans for new and used vehicles as well as refinance their existing ones.




3.9 rating: 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 system weighs many factors consumers should take into consideration when selecting services and financial products.











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




3.9 Rating: 3.9 stars out of 5
The Bankrate Score is 3.9/5. 3.9/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring system weighs many aspects that consumers need to consider when choosing financial products and services.











MyAutoLoan provides an internet-based platform which allows you to find the most competitive rates on auto financing.




3.9 rating: 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 consider when choosing the right financial items and products.











Credit Direct is a personal loan marketplace that provides loans directly and through its reliable partner network to borrowers looking for loans.




3.8 Score: 3.8 stars out of 5
Rate of Bankrate Bankrate = 3.8/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to take into consideration when selecting the right financial products and services.











M&T Bank serves drivers primarily on the east coast in products that range from insurance and credit cards to lending.




3.8 rating: 3.8 stars out of 5
The Bankrate Score is 3.8/5. 3.8/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula considers a variety of aspects that consumers need to be aware of when choosing financial items and products.











You may have heard of LendingClub for its peer-to-peer (P2P) loan provider for personal loans However, it could assist with auto loan refinances. LendingClub provides a unique way of financing.




3.8 Score: 3.8 stars out of 5
Bankrate Score Bankrate Rating = 3.8/5 Scores for Bankrate are independently assessed by our editorial team. Our scoring formula weighs several elements that consumers must be aware of when choosing the best financial items and products.











CarsDirect is not a direct auto lender but rather a marketplace that presents motorists with loan options straight from its network.




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 consider when choosing financial items and products.











Shift, an e-commerce site, declares its aim to make the used car buying process seamless throughout the entire duration of ownership of a vehicle -from purchase through selling. Similar to its rivals, Carvana and Vroom, Shift supports a direct delivery system that allows buyers to benefit from financing and car purchases all from the comfort of your home.




3.7 Score: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Scores for Bankrate are independently determined by our editorial team. Our scoring formula weighs several factors consumers should be aware of when choosing financial products and services.











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




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 system weighs many aspects that consumers need to be aware of when selecting financial products and services.











Ally Clearlane, a subsidiary of Ally Financial Inc., is a direct lender that offers a simplified digital experience for financing your car for those seeking to refinance their vehicle or buy out their lease.




3.7 rating: 3.7 stars out of 5
Rate of Bankrate Bankrate = 3.7/5 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 items and products.











Caribou, formerly was known as MotoRefi, provides competitive car refinancing loans through its network of lenders. The lenders include communities banks to credit unions




3.7 Rating: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 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 goods and other services.











Auto Credit Express serves as an lender marketplace that primarily serves customers with bad credit and no credit as well as those who were refused previously because of bankruptcy.




3.7 Score: 3.7 stars out of 5
Bankrate Score Bankrate Rating = 3.7/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula considers a variety of aspects that consumers need to consider when choosing financial products and services.











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




3.6 rating: 3.6 stars out of 5
Bankrate Score Bankrate Rating is 3.6/5 Scores for Bankrate are independently determined by our editorial team. Our scoring system weighs many factors consumers should take into consideration when selecting services and financial products.












3.6 Rating: 3.6 stars out of 5
Bankrate Score Bankrate Rating = 3.6/5 Bankrate scores are objectively assessed by our editorial team. Our scoring formula considers a variety of factors consumers should take into consideration when selecting the right financial goods and other services.











RateGenius offers an internet-based platform to connect borrowers with lenders who offer auto refinancing. In the average, its customers save $96 per month when they refinance the auto loan by using RateGenius.




3.6 Rating: 3.6 stars out of 5
Bankrate Score Bankrate Rating = 3.6/5 Scores on bankrates are objectively assessed by our editorial team. Our scoring system weighs many elements that consumers must be aware of when choosing financial products and services.











Vroom, an online used car selling platform. While Vroom does not offer financing, it does work with over dozen lending partners to coordinate financing options for drivers.




3.5 rating: 3.5 stars out of 5
The Bankrate Score is 3.5/5. is 3.5/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to take into consideration when selecting financial items and products.











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




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 selecting financial items and products.











With more than 1,500 branches throughout the U.S., Regions Bank provides auto loans to drivers who prefer the convenience of personal communications, while also having the option of accessing the loan online.




3.5 Rating: 3.5 stars out of 5
The Bankrate Score is 3.5/5. is 3.5/5 Bankrate scores are objectively calculated by our editorial staff. Our scoring formula weighs several aspects that consumers need to take into consideration when selecting 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 way to rate shop.




3.5 rating: 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 weighs several elements that consumers must take into consideration when selecting financial products and services.











CarMax provides drivers throughout the nation who wish to purchase used vehicles. CarMax recently entered the realm of remote purchase and offers drivers the ease of delivery of vehicles and financing on one platform.




3.5 rating: 3.5 stars out of 5
Bankrate Score Bankrate Rating is 3.5/5 Scores on bankrates are objectively assessed by our editorial team. Our scoring system weighs many factors consumers should be aware of when choosing financial products and services.











Bank of America works directly with authorized dealers across the United States to provide financing for over two million available vehicles.




3.3 rating: 3.3 stars out of 5
Rate of Bankrate Bankrate = 3.3/5 Bankrate scores are objectively determined by our editorial team. Our scoring system weighs many aspects that consumers need to consider when choosing the right financial goods and other services.











While much of Valley Bank's processes are not publicly available, customers have access to financing for used and brand new vehicles in person or on the internet with a competitive maximum APR.




3.2 Rating: 3.2 stars out of 5
Bankrate Score Bankrate Rating = 3.2/5 Scores for Bankrate are independently determined by our editorial team. Our scoring system weighs many elements that consumers must take into consideration when selecting financial goods and other services.











Tresl works with lenders across the U.S. to offer auto financing at competitive rates. It is not an direct lender but an online platform.




3.2 rating: 3.2 stars out of 5
The Bankrate Score is 3.2/5. 3.2/5 Scores for Bankrate are independently calculated by our editorial staff. Our scoring system weighs many factors consumers should take into consideration when selecting the right financial products and services.











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






The most trusted source of accurate rates and financial information



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