About Us

Online Automobile Financing Experts

We believe everyone deserves a second chance, and that's why we've built extensive relationships with dealers and lenders all across the country. In effect, we turn the car buying process inside out -- we send the dealer to you.

More importantly, all the experts say to line up your financing before you start looking at specific cars. That's exactly what happens after you click the Apply Here button. Your application is processed at our home office in Virginia, it's screened for credit worthiness and routed to a dealer near you. The dealer -- thanks to our electronic links with hundreds of lenders -- matches you to the best loan rate your credit score will allow, matches that with his inventory, and calls you up for an appointment.

If you like the loan options and the available vehicles, you can be driving within 48 hours of applying. If you don't, you can walk away. There's no obligation and no charge.

Why is this better than the old way of doing things? Because we know how frustrating it can be to find the car of your dreams only to get denied financing at the end. That's our mission -- to keep that from happening to you.

What else do you need to know? We were founded by a three-generation car-selling family. We're in good standing with the Better Business Bureau. We protect your private information. And if you want to give us a call, it's easy -- 1-800-Car-Loan .

We look forward to serving you and encourage you to apply today .

Let's Talk About Cars

The lowest priced new cars on the market can be had for less than $10,000, but they are stripped down versions, and the real price for a real bargain will be somewhere between $11,000 and $12,000.

Cars in this category include the Nissan Versa (30 mpg and great safety ratings in addition to the rock bottom price), the Chevy Aveo, Kia Rio and Hyundai Accent. The entry-level Toyotas (Yaris) and Honda (Fit) cost a tad more.

For more on our top-rated car research, click here.

Let's Talk About Credit

Your credit score involves four factors -- negative information (from late-payments to liens or foreclosures), outstanding accounts, your credit history and your use of credit.

Your use of credit includes how many accounts you have open and how many times you've applied for credit. In both cases, less is better.

Any FICO number above 750 is considered excellent and anything above 620 is considered good. Scores below 550 are considered subprime.