Common Questions

Do you have questions about how the services of EZ-Auto-Loans.com works? Perhaps you have general inquires regarding bad credit auto loans? Below, we have assembled answers to some of the more frequently asked questions that we receive. If you have a question that is not answered below, or you need additional information, please don't hesitate to Contact Us.

Q: Why are you sending my application to a dealer in my area?
A: Unfortunately, most banks, finance companies, and credit unions will only loan money for a car or truck when there is a dealer involved. This is called an indirect loan. The dealer is there to "structure" the sale of the car to you. The dealer collects all of the necessary paperwork that the lender may need about you and the car and then sends that information to the lender. Remember, over 80% of people buying cars today must go through this indirect process. We only work with the best dealers in your area to ensure a pleasurable experience.

Q: I have terrible credit. Get I still apply for auto financing with EZ-Auto-Loans.com?
A: Our national network of auto dealers specialize in assisting customers with bad credit get auto loans and financing.

Q: What kind of car can I get an auto loan for?
A: Our dealers have thousands of new and used autos on hand, all makes and models, all available for financing! Apply for bad credit auto loans now!

Q: What kind of interest rates should I expect for my auto loan?
A: Your interest rate is influenced by several factors; whether the auto you want is new or used, the amount of your down payment, your credit history, and the term of your auto loans. Your participating dealer will explain to you all of the details of your auto loans.

****Please note**** When applying for auto loans, it is very important that you obtain a copy of your credit report. You need to eliminate the possibility that there might be errors on your credit report that can damage--or terminate--your auto financing request and/or interest rates. You can get a FREE copy of your credit report from Equifax by clicking here.

Q: How long does it take to apply, get approved and be behind the wheel?
A: The application only takes about three minutes to complete. Most customers are then contacted by their local participating dealer within minutes, to a couple of hours, upon submission of their auto financing requests.  The contacting dealer often can have you behind the wheel of your new car the same day you apply for your loan.

Q: Are there any fees when applying for good and bad credit auto loans with your company?
A: There are no fees for this service.

Q: Can I refinance an existing auto loan with EZ-Auto-Loans.com?
A: Yes you can, refinance here.

Q: Can I purchase a car from a private party with your services?
A: If you are looking to buy a car from an individual and not a dealer, CLICK HERE.

Q: I own a dealership, how can I become part of your network?
A: Fill out a dealer request form and one of our sales representatives will contact you promptly!

Q: Does your company offer any additional services?
A: We also provide bad credit personal loans.