Auto Loans

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Auto financing the right way

When you’re looking for an auto loan, it pays to shop around. LendingTree helps you compare auto loan rates and loan terms from multiple lenders. Compare different types of automobile loans, including new car loans, used car loans, and auto refinancing options, whether you’re buying from a dealer, or a private seller. Also make sure when you go to purchase a car you are getting it for the best price by purchasing your car at the best time of the year.

Compare Auto Loan Rates

LendingTree helps you compare auto loan rates from multiple lenders. Compare auto quotes from competing providers. It’s fast, easy, and best of all, free.

Compare auto financing offers

Car loans

When shopping for a car loan, like any loan, it is wise to compare your options to ensure that you are getting the best deal. At LendingTree, we speed up this process by comparing hundreds of car lenders for you and providing you with multiple customized offers. From there, you get to choose which lender works best for your financial situation.

Types of car loans

Car loans can come in the form of secured loans or unsecured loans. Most car loans are secured, which means that the loan requires collateral. For an auto loan, the collateral is the car itself. An unsecured loan, on the other hand, does not require collateral, meaning that if you cannot make your payments on the vehicle, the lender cannot take your car from you. It is important to note that since unsecured loans are riskier for lenders, they come with higher interest rates than secured auto loans.

New & used car loans

Determining whether to finance a new or used car is a big part of the car buying process. It is important to consider the price of the vehicle, interest rates, and depreciation when deciding. While new cars depreciate faster and generally come at a higher price than used cars, the interest rates on used vehicles are often higher.

Regardless of whether you choose to purchase a new or used car, LendingTree can help you shop around for auto financing before you head over to the dealership. This way you can have an idea of whether you are getting a good deal or not.

Compare Car Loan Offers

Boat loans

Whether you are looking to purchase a new or used boat, LendingTree can help when comparing boat loan lenders. Our lenders offer loans for many different types of boats, including:

  • Sailboats
  • Pontoons
  • Bass boats
  • Aluminum boats

We work with lenders who offer competitive boat loan rates and flexible terms so you can find an option that best fits your lifestyle. By simply filling out a free online loan request, you will be able to compare rates and offers in minutes.

If you currently have a boat loan that you are looking to refinance, LendingTree can also help you refinance to a lower rate or better terms.

Get a Boat Loan

RV loans

Our RV loan lenders offer competitive rates and flexible terms so you can compare offers when purchasing your RV. On LendingTree, there are many different RV loans available, including loans for:

  • Campers
  • Trailers
  • Motor homes
  • Toy haulers

Remember, like with any auto loan, it is important to take the time to research all of the RV financing options available before making a decision. This way you can find the lender that works best with your financial situation.

Get a RV Loan

Motorcycle loans

Compare rates and terms on motorcycle loans to help ensure that you are getting the best financing offer available to you. If you are still shopping around for the exact bike you want, that’s okay, you can still get preapproved for financing, which will help make the purchasing process easier down the road.

Our lenders offer a variety of motorcycle loans including:

  • Cruisers
  • Sport Bikes
  • Touring
  • Dual Sports
  • Scooters
  • Mopeds

Get a Motorcycle Loan

Powersport loans

If you are thinking about purchasing a powersport vehicle and are looking for financing, you can compare rates and terms with LendingTree. Whether you are looking to get out on the water or in the snow, our lenders offer a variety of powersport loans to consider, including loans for:

  • Jetskis
  • ATVs
  • UTVs
  • Side-by-Sides
  • Snowmobiles

Get a Powersport Loan

New and used auto loan rates

Receive a great fixed-rate auto loan for your new or used car or auto refinance. Before you apply, we want to make sure you understand the basics of car loan rates when it comes to financing.

With LendingTree, you can get a new or used auto loan with a great rate.

  • Free online loan request
  • Compare rates from multiple lenders
  • Get approved, then shop for a new car

36 months rates as low as

  • 2.29%
  • APR
  • 2.29%
  • Interest Rate
  • $30,000
  • Loan Amount
  • $863.08
  • Monthly Payments
  • $
  • Down Payment
  • 790
    Credit Score

48 months rates as low as

  • 2.99%
  • APR
  • 2.99%
  • Interest Rate
  • $25,000
  • Loan Amount
  • $553.25
  • Monthly Payments
  • $
  • Down Payment
  • 780
    Credit Score

60 months rates as low as

  • 2.99%
  • APR
  • 2.99%
  • Interest Rate
  • $22,000
  • Loan Amount
  • $395.21
  • Monthly Payments
  • $
  • Down Payment
  • 766
    Credit Score

36 months rates as low as

  • 2.29%
  • APR
  • 2.29%
  • Interest Rate
  • $20,000
  • Loan Amount
  • $575.39
  • Monthly Payments
  • $
  • Down Payment
  • 763
    Credit Score

48 months rates as low as

  • 2.99%
  • APR
  • 2.99%
  • Interest Rate
  • $20,000
  • Loan Amount
  • $442.6
  • Monthly Payments
  • $
  • Down Payment
  • 740
    Credit Score

60 months rates as low as

  • 2.79%
  • APR
  • 2.79%
  • Interest Rate
  • $22,000
  • Loan Amount
  • $393.26
  • Monthly Payments
  • $
  • Down Payment
  • 784
    Credit Score

New, poor, or bad credit?

Down payment may be higher

Refinance when your score improves

Timely payments improve credit

Not sure what your credit score is? Get it here for free.

Auto loan calculator

Use this Auto Loan Calculator to see your monthly payments on your loan amount, interest rate, and loan term.

Recent Auto Loans Articles

Car Loan Documentation Checklist

February 7th, 2018

When getting an auto loan, preparing the necessary documents ahead of time can really help speed up the process. Along with your credit history and vehicle information, have documents ready that show proof of income, residence, and insurance. Also, when it comes to the down payment, be sure to decide on your preferred method of payment ahead of time.

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First-Time Car Buyer Tips & Terminology

February 2nd, 2018

If you are a first-time car buyer, there are a few terms that you should understand before diving into the car buying process. Educating yourself on the proper terminology can help you determine exactly what you are looking for in a vehicle and help you better communicate with the car salesman. Also, look into first-time car buyer programs and consider getting a cosigner in order to get the best deal for you.

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How to Negotiate Car Price

January 19th, 2018

Understanding how to effectively negotiate is important if you want to ensure that you are getting the very best deal on your next car. Knowing what you want to pay and securing auto loan financing ahead of the time can give you the upperhand when it comes to negotiating car price at the dealership. Remember that you are under no obligation to accept an offer, so be sure it is the right deal for you before signing.

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What Credit Score is Needed to Buy a Car?

January 9th, 2018

Are you curious about how your credit score may impact your car buying experience? Your credit score comes into play when looking at auto loan options. Since lenders use credit score as an indication of how likely a borrower is to repay a car loan, borrowers with higher credit scores will likely be eligible for better interest rates than subprime borrowers.

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How Much Car Can I Afford?

January 8th, 2018

Establishing a reasonable budget is a crucial step in the car buying process. The 20/4/10 rule is a good baseline to keep in mind when deciding on monthly payments, terms and how much to put down. When calculating how much car you can afford, be sure to consider your net income, fixed and variable expenses, along with the cost of owning a car before making a final decision.

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