Auto Refinance Loans
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PROS:
- Applicants can pre-qualify with a soft credit check.
- Application process 100% online including document upload.
- Social Security number not required to see pre-qualified offers.
- Customer service available on Saturday.
- Borrowers can choose loan payment due date.
CONS:
- Loan funding takes two days or more, longer than other lenders.
- No rate discount offered.
- 24-month loan term not offered.
- Has vehicle restrictions.
PROS:
- Applicants can pre-qualify with a soft credit check.
- Application process 100% online including document upload.
- Social Security number not required to see pre-qualified offers.
- Works with a network of lenders to show multiple offers.
CONS:
- Lenders may charge a processing fee up to $399.
- Not available in all states.
- Customer support not available on weekends
PROS:
- Applicants can pre-qualify with a soft credit check.
- Application process 100% online including document upload.
- Social Security number not required to pre-qualify.
- Charges no origination fee.
- Borrowers can choose loan payment due date.
CONS:
- Not available in all states.
- Has some vehicle restrictions.
- Maximum refinance amount lower than other lenders.
PROS:
- Competitive rates compared to similar lenders.
- Offers rate discount with automatic payment.
- Has a loan experience satisfaction guarantee.
- No origination or late fees.
- Available in all 50 states.
- No vehicle restrictions.
CONS:
- Hard credit inquiry required.
- High minimum credit score required.
PROS:
- Borrowers work with loan care agents who receive extensive training in auto refinancing.
- Applicants typically receive preapproved offer (or decline) in five minutes or less.
- Applicants have the option to apply by phone or online.
- Website provides accessibility tools.
CONS:
- May charge an origination fee up to $199.
- Social Security number required to submit initial application.
- Not available in some states.
PROS:
- Offers pre-qualification with a soft credit check.
- Provides average daily rates by credit score on website.
- Customer service available on Saturday.
- Some network lenders offer rate discount with automatic payment.
CONS:
- May charge an origination fee up to $395.
- Minimum loan amount is higher than other lenders.
PROS:
- No vehicle restrictions.
- Provides rate estimates through website using a soft credit check.
- Offers rate discount with automatic payment.
- Provides online car buying service with discounted pricing and loan preapproval.
- Allows co-signers.
CONS:
- Charges an origination fee of $395.
- Not available in a few states.
- Fully online application not available for applicants who prefer it.
PROS:
- Applicants can prequalify with a soft credit check.
- Application process 100% online including document upload.
- Minimum loan amount is lower than other lenders.
CONS:
- Borrower unable to choose loan payment date in most cases.
- Some partner lenders charge application fee.
- 24-month loan term not offered.
PROS:
- Offers pre-qualification with a soft credit check.
- Works with a network of lenders to find the best offer.
- Bases loan approval on a wider range of criteria.
- Customer service available seven days a week.
- Provides Spanish version of website.
CONS:
- Not available in all states.
- Maximum loan amount is lower than other lenders.