Approved Car Loans
Postal Code Country
Get an approved cheap car loan, used car loan or a new car loan.
It's fast, the application is free and easy.
Nationwide with our Online Car Loan Financing program.

Need a Used Car Loan? SmartCarLoan.com aims to get you affordable automotive financing for a new or used car, no matter your credit. We have a wide range of car loan services that we offer to suit your needs. After you apply for a new car loan, an expert finance manager will assist you in obtaining the best possible online car loan with competitive interest rates and finance terms. Apply for a new or used car loan today and get your credit back on track while driving a high quality used or new car.

With our unique approach and time-tested methods, (online since 1997), each applicant is assured the best online car buying experience available. Our association of retailers have all the latest auto loan programs for people with any type of credit, and they are ready, willing, and able to get you approved. Past poor, no credit, or bankruptcy can be overcome.

Pre Approved Automotive Financing Requirements

  • $1,200 total monthly income required for auto financing without a cosigner.
  • We cannot arrange financing for private purchases or auto loan refinancing. Approvals are for vehicle purchases from our extensive network of new and used car dealers.
  • You must be 18 years old and a resident of the United States or Canada to qualify.
  • Cash down payment varies and is based on your previous credit history and vehicle selection. Many people are able to buy a car with no money down.

Complete the used car loan application and you could be driving your new car tomorrow, with the a cheap car loan rate. Your request will be promptly processed by a nearby auto dealer during normal business hours. See our Frequently Asked Car Loan Questions for more.


Benefits of online car loans


More Flexible Lending Guidelines than Direct Lenders.  Our dealership finance managers are specially trained to present your car loan request to the lender in the most favorable terms to assure each request has the best possibility of aproval.

Several Loan Sources.  A large number of lenders and auto finance companies means that our auto dealers can offer car buyers a range of lending options. Many of the top national finance companies only offer financing through their local auto dealership associates.

Competitive Interest Rates.  At times, our retailers offer low interest rate incentives to buyers, from the auto manufacturer, that local lenders cannot. Even with a bankruptcy. For example, many captive finance companies are now, or have in recent times, offered interest rates as low as 0%, 1.0%, 2.9%, or 3.9%. It's hard to match those rates no matter how hard you shop.

Easy & Convenient  Buyers can finance and purchase a new or used car, truck, SUV, or mini van at the same time.


Take advantage of the best and most reliable way to get an auto loan today! See our easy to use car loan calculator to estimate your affordable monthly payment. Apply now for the car loan you need regardless of your credit.

We even help Canadian residents, students, and military personal with cheap car loans online. Fast and easy car loans for people. Apply today!

Find New and Used Cars at Lotpro.com
In a few minutes, our dealerships can show you more vehicles that you can buy than you are likely to see after weeks of shopping on your own.



Customer Reviews
"I love my purchase."
B. Woods, Detroit

"Prompt, professional service. Made buying this truck a great experience. Thanks to you and your entire staff."
D. Fowler, Carrolton

"Thank you for allowing me to re-establish my credit. Everyone involved was great. Thanks again!"
V. Davis, Alma

"Excellent, very good service!"
W. Czachorowski, Warren

"Our sales representative was very helpful. The finance manager and his assistant were very patient and helpful in receiving financing for my vehicle."
A. Fronczak, Shelby Twp.


New & Used Car Financing