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Credit Direct
credit direct auto loans: 2023 review Published 2023-01-01 00:00:00
Writen by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ways and pitfalls of borrowing money to purchase a car.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances through providing concise, well-researched and well-studied content that breaks down complicated topics into manageable bites.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with financial calculators and interactive tools, publishing original and objective content. This allows you to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that are featured on this site are from companies who pay us. This compensation could affect how and when products are featured on this website, for example such things as the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage, home equity and other home loan products. However, this compensation will not influence the information we publish, or the reviews that appear on this website. We do not contain the entire universe of businesses or financial deals that may be accessible to you.
About our reviews Editorial disclosure The reviews are written by staff. The opinions expressed are solely those of the reviewer , and have not been reviewed or acknowledged by any advertiser. The information that is included, including rates and fees that are included in the review is accurate at the time that the review was written. Check the data at the top of this page and the lender's site for the most current details.
At a glance 4.0 Rating: 4 stars out five
Bankrate Score
Available Rating: 3.5 stars out of 5
The Affordability Score: 3.4 stars out of 5
The Customer Service Rating is 3.8 5 stars from 5
Transparency Rating 5-stars out of 5.
Check auto loan rates
About the amount of a Credit Direct Loan, which is $1,000 to $40,000
Min. credit score not specified
APR from 5.99%-29.99 percent
Funds available in up to 72 hours.
Credit Direct pros and cons Credit Direct's personal loans for car purchases can be accessed by people with varying financial backgrounds, and you can get prequalified and not affect the credit rating. But, they're restricted to a few states.
PROS Flexible loan amounts
No hard inquiry
Acceptance criteria for a range of categories
CONS is only Available in the 11 US states
A small maximum loan amount
Credit Direct is a personal loan marketplace that offers loans in-person and by its trusted partner network to those seeking loans. The car purchase loans that are offered by Credit Direct have a lower minimum loan amount than other lenders of the other lenders, making them ideal for those seeking to finance a smaller purchase. The loans are not secured, which means that the rates of interest advertised tend to be slightly higher.
Do you qualify? Credit Direct doesn't specify eligibility criteria on its website or over the phone. However, it states that borrowers with all ranges in credit score are welcome to apply. In fact, you may be approved if your score is between 500 and 600. You should also have a reliable, steady source of income which allows you to make timely monthly payment. What we love and what don't like Consider the risks and the benefits that the loan through Credit Direct brings.
We love flexibility drivers can get loans of as little as $1000 -- perfect for buying a car in poor condition to purchase parts. In addition, you'll be able to have the car for free because it's . There is no hard inquiry: You can look at potential rates and terms without needing to submit an in-depth credit assessment. Range of acceptance criteria: Credit Direct uses underwriting criteria which take more than credit history into consideration. What we don't like Limited availability in states Personal loans are only available in 11 states. The maximum loan size: A maximum loan amount of $40,000 isn't enough to cover the average of $48,000 when it was the latter half of 2022. How do I contact Credit Direct Credit Direct Credit Direct offers limited 24 hour support through its call center at 866-414-4198. The full service is offered during normal operating hours of 9 a.m. to 6 p.m. ET Tuesday through Thursday and 9 a.m. until 5 p.m. ET during Fridays.
Auto loan varieties available Credit Direct provides personal loans which can be used to purchase new or used vehicles.
Loan quick facts Amounts: $1,000-$40,000 Terms: 12-60 months APR: 5.99%-29.99%
Credit Direct offers personal loans to repair or purchase vehicles. An auto purchase personal loan through Credit Direct can be used to finance the purchase of your next car or purchase a new one for parts. In contrast to a typical auto loan, by the vehicle you're purchasing. The minimum loan amount is significantly less than the majority of other auto loan companies, meaning that you don't need to borrow more than you need. You'll also have the flexibility to take your cash to the dealership you prefer. How to apply for an loan using Credit Direct The application process is fully automatic through the Credit Direct site and takes just a few minutes, with no inquiry. According to Credit Direct's Credit Direct website, the process is simple and you can get funding as soon as 48 to 72 hours via direct transfer. Choose the loan amount. Fill out the online form with the required information to determine your anticipated rates. Check out loan options. In just a few minutes, Credit Direct will present you with several loan options to look over. Be attentive to the APR and term lengths. Sign and accept. If you feel that the loan offerings fit your needs, you can finalize the loan through the internet. Receive funds. Then, you'll receive the funding via direct transfer.
Information required for the application: Social Security number, vehicle information Amount of loan Two months of bank statements One month of pay stubs Most current W2 ID from the Government.
Credit Direct FAQs
Are you sure that Credit Direct a direct lender or does it offer loans through third-parties? Credit Direct both originates personal loans and is dependent on its lender network to assist customers in finding the best deal.
Do you need a co-signer when applying with Credit Direct? Yes, co-signers are able to be added to loan applications to assist or qualify for better conditions.
Does Credit Direct do a hard pull? A credit pull that is hard is only required when you accept the loan request and then proceed with a formal application. But, you are able to view possible rates using not affecting the credit rating.
How Bankrate rates Credit Direct
Overall score
4.0
Availability
3.8
Credit Direct only offers loans in 11 states. Its modest maximum loan amount is offset by flexible terms and a small minimum amount.
Affordability
3.4
Credit Direct scores decently due to its flexible underwriting requirements however it still has high APRs when compared with competitors.
Customer experience
3.6
While there is no 24/7 call center support Customers can only get full support during work hours.
Transparency
5.0
Credit Direct discloses expected rates as well as terms, and encourages prequalification.
Methodology Bankrate considers 18 data points when selecting top auto loans. Criteria for acceptance, whether the rates or fees available and the APR range are all factors that affect lender scores. The scores are divided into 4 categories. The availability of loans and repayment options, dealership requirements and availability to state are a part of this section. Affordability: This section contains APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you'll have to wait to buy and the availability of customer service, whether there's an app and autopay payment options are all accounted for in this section. Transparency: This category is responsible for the accessibility of rates and fees as well as whether prequalification is available.
Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed are solely those of the reviewer , and have not been reviewed nor acknowledged by any advertiser. The information, including rates and fees provided in the review are accurate up to the date that the review was written. Check the data in the upper right hand corner of the page, and the lender's website to find the most recent information.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of borrowing money to purchase an automobile.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances with precise, well-studied data that breaks otherwise complicated subjects into digestible pieces.
Auto loans editor
About
Help
Legal Cookie settings Don't sell my info
How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or when you click on specific links on our website. So, this compensation can impact how, where and when products appear within listing categories, unless the law prohibits it for our mortgage home equity, mortgage and other home lending products. Other elements, such as our own rules for our website and whether a product is available within your area or at your personal credit score can also impact the way and place products are listed on this website. While we strive to provide an array of offers, Bankrate does not include specific information on every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
|
(c) 2023 Bankrate, LLC. It is a Red Ventures company. All Rights Reserved.
If you beloved this article and you would like to obtain extra facts pertaining to online same day payday loan virginia kindly stop by the webpage.
Refinancing your existing loan Finding the right lender Additional Resources
Looking for a financial advisor? Take our 3 minute quiz and connect with an advisor today.
Main Menu Banking
Compare Accounts Use calculators Get advice Bank reviews
Looking for a financial advisor? Try our three minute test and match the advisor you want today.
Main Menu Credit cards
Compare with other categories Compare by credit needed Compare with issuers Get advice
Looking for the ideal credit card? You can narrow your search using CardMatch(tm)
Main Menu Loans
Personal Loans Student Loans Auto Loans Loan calculators
Find a personal loan in 2 minutes or less. You can also answer a few questions to receive offers with no effect on your credit score.
Main Menu Investing
The Best Brokerages as well as Rob-Advisors. Learn the basics Additional resources
Looking for a financial advisor? Do our 3-minute quiz and then match up the advisor you want today.
Main Menu Home equity
Find the most competitive rates Lender reviews Use calculators Knowledge base
Looking for a financial advisor? Try our three minute test and connect to an adviser today.
Main Menu Real estate
Selling a home Buying an investment property Finding the right agent Additional sources
Looking for a financial advisor? Do our 3-minute quiz and connect the advisor you want today.
Main Menu Insurance
Car Insurance Homeowners insurance Other insurance Company reviews
Looking for a financial advisor? Try our three minute test and connect to an adviser today.
Main Menu Retirement
Retirement accounts and retirement plans Get the basics of retirement calculators Other sources
Looking for a financial advisor? Try our three minute test and match with an advisor today.
Search open Close search
Submit
Credit Direct
credit direct auto loans: 2023 review Published 2023-01-01 00:00:00
Writen by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ways and pitfalls of borrowing money to purchase a car.
Editor: Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to control their finances through providing concise, well-researched and well-studied content that breaks down complicated topics into manageable bites.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with financial calculators and interactive tools, publishing original and objective content. This allows you to conduct research and compare information for free to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The products that are featured on this site are from companies who pay us. This compensation could affect how and when products are featured on this website, for example such things as the order in which they may be listed within the categories of listing, except where prohibited by law for our mortgage, home equity and other home loan products. However, this compensation will not influence the information we publish, or the reviews that appear on this website. We do not contain the entire universe of businesses or financial deals that may be accessible to you.
About our reviews Editorial disclosure The reviews are written by staff. The opinions expressed are solely those of the reviewer , and have not been reviewed or acknowledged by any advertiser. The information that is included, including rates and fees that are included in the review is accurate at the time that the review was written. Check the data at the top of this page and the lender's site for the most current details.
At a glance 4.0 Rating: 4 stars out five
Bankrate Score
Available Rating: 3.5 stars out of 5
The Affordability Score: 3.4 stars out of 5
The Customer Service Rating is 3.8 5 stars from 5
Transparency Rating 5-stars out of 5.
Check auto loan rates
About the amount of a Credit Direct Loan, which is $1,000 to $40,000
Min. credit score not specified
APR from 5.99%-29.99 percent
Funds available in up to 72 hours.
Credit Direct pros and cons Credit Direct's personal loans for car purchases can be accessed by people with varying financial backgrounds, and you can get prequalified and not affect the credit rating. But, they're restricted to a few states.
PROS Flexible loan amounts
No hard inquiry
Acceptance criteria for a range of categories
CONS is only Available in the 11 US states
A small maximum loan amount
Credit Direct is a personal loan marketplace that offers loans in-person and by its trusted partner network to those seeking loans. The car purchase loans that are offered by Credit Direct have a lower minimum loan amount than other lenders of the other lenders, making them ideal for those seeking to finance a smaller purchase. The loans are not secured, which means that the rates of interest advertised tend to be slightly higher.
Do you qualify? Credit Direct doesn't specify eligibility criteria on its website or over the phone. However, it states that borrowers with all ranges in credit score are welcome to apply. In fact, you may be approved if your score is between 500 and 600. You should also have a reliable, steady source of income which allows you to make timely monthly payment. What we love and what don't like Consider the risks and the benefits that the loan through Credit Direct brings.
We love flexibility drivers can get loans of as little as $1000 -- perfect for buying a car in poor condition to purchase parts. In addition, you'll be able to have the car for free because it's . There is no hard inquiry: You can look at potential rates and terms without needing to submit an in-depth credit assessment. Range of acceptance criteria: Credit Direct uses underwriting criteria which take more than credit history into consideration. What we don't like Limited availability in states Personal loans are only available in 11 states. The maximum loan size: A maximum loan amount of $40,000 isn't enough to cover the average of $48,000 when it was the latter half of 2022. How do I contact Credit Direct Credit Direct Credit Direct offers limited 24 hour support through its call center at 866-414-4198. The full service is offered during normal operating hours of 9 a.m. to 6 p.m. ET Tuesday through Thursday and 9 a.m. until 5 p.m. ET during Fridays.
Auto loan varieties available Credit Direct provides personal loans which can be used to purchase new or used vehicles.
Loan quick facts Amounts: $1,000-$40,000 Terms: 12-60 months APR: 5.99%-29.99%
Credit Direct offers personal loans to repair or purchase vehicles. An auto purchase personal loan through Credit Direct can be used to finance the purchase of your next car or purchase a new one for parts. In contrast to a typical auto loan, by the vehicle you're purchasing. The minimum loan amount is significantly less than the majority of other auto loan companies, meaning that you don't need to borrow more than you need. You'll also have the flexibility to take your cash to the dealership you prefer. How to apply for an loan using Credit Direct The application process is fully automatic through the Credit Direct site and takes just a few minutes, with no inquiry. According to Credit Direct's Credit Direct website, the process is simple and you can get funding as soon as 48 to 72 hours via direct transfer. Choose the loan amount. Fill out the online form with the required information to determine your anticipated rates. Check out loan options. In just a few minutes, Credit Direct will present you with several loan options to look over. Be attentive to the APR and term lengths. Sign and accept. If you feel that the loan offerings fit your needs, you can finalize the loan through the internet. Receive funds. Then, you'll receive the funding via direct transfer.
Information required for the application: Social Security number, vehicle information Amount of loan Two months of bank statements One month of pay stubs Most current W2 ID from the Government.
Credit Direct FAQs
Are you sure that Credit Direct a direct lender or does it offer loans through third-parties? Credit Direct both originates personal loans and is dependent on its lender network to assist customers in finding the best deal.
Do you need a co-signer when applying with Credit Direct? Yes, co-signers are able to be added to loan applications to assist or qualify for better conditions.
Does Credit Direct do a hard pull? A credit pull that is hard is only required when you accept the loan request and then proceed with a formal application. But, you are able to view possible rates using not affecting the credit rating.
How Bankrate rates Credit Direct
Overall score
4.0
Availability
3.8
Credit Direct only offers loans in 11 states. Its modest maximum loan amount is offset by flexible terms and a small minimum amount.
Affordability
3.4
Credit Direct scores decently due to its flexible underwriting requirements however it still has high APRs when compared with competitors.
Customer experience
3.6
While there is no 24/7 call center support Customers can only get full support during work hours.
Transparency
5.0
Credit Direct discloses expected rates as well as terms, and encourages prequalification.
Methodology Bankrate considers 18 data points when selecting top auto loans. Criteria for acceptance, whether the rates or fees available and the APR range are all factors that affect lender scores. The scores are divided into 4 categories. The availability of loans and repayment options, dealership requirements and availability to state are a part of this section. Affordability: This section contains APR ranges and acceptance criteria, as well as fees and discounts. Customer experience: The length of time you'll have to wait to buy and the availability of customer service, whether there's an app and autopay payment options are all accounted for in this section. Transparency: This category is responsible for the accessibility of rates and fees as well as whether prequalification is available.
Disclaimer: All reviews are prepared by Bankrate.com staff. The opinions expressed are solely those of the reviewer , and have not been reviewed nor acknowledged by any advertiser. The information, including rates and fees provided in the review are accurate up to the date that the review was written. Check the data in the upper right hand corner of the page, and the lender's website to find the most recent information.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of borrowing money to purchase an automobile.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances with precise, well-studied data that breaks otherwise complicated subjects into digestible pieces.
Auto loans editor
About
Help
Legal Cookie settings Don't sell my info
How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or when you click on specific links on our website. So, this compensation can impact how, where and when products appear within listing categories, unless the law prohibits it for our mortgage home equity, mortgage and other home lending products. Other elements, such as our own rules for our website and whether a product is available within your area or at your personal credit score can also impact the way and place products are listed on this website. While we strive to provide an array of offers, Bankrate does not include specific information on every financial or credit product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |
|
(c) 2023 Bankrate, LLC. It is a Red Ventures company. All Rights Reserved.
If you beloved this article and you would like to obtain extra facts pertaining to online same day payday loan virginia kindly stop by the webpage.
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