Auto Approve vs Auto Credit Express vs CapitalOne vs CarsDirect vs More... | Several.com (2024)

Pros

• Assigns a dedicated consultant to find the best loan
• High customer review scores
• Low rates for customers with good credit scores

Pros

• BBB accreditation with A+ rating
• Connections with subprime dealerships and lenders
• Credit rebuilding tools

Pros

• Doesn’t require a minimum credit score
• Allows co-applicants
• CapitalOne prequalification doesn’t affect credit score
• Cars’ ages not older than 12 years

Pros

• Doesn’t require a minimum credit score
• 60-second loan request process
• No obligations or fees for loan requests
• Wide range of new and used cars

Pros

• Doesn’t require a minimum credit score
• Prequalification is valid for 45 days, giving the borrower enough time to decide
• Carvana prequalification doesn’t affect credit score
• Used cars are in great condition and meet Carvana’s high standards
• Cars delivered as soon as the next day

Pros

• Accepts co-signers or co-borrower
• Free Auto Check History Report
• 99.9% approval odds
• 30-day or 1,500 miles limited warranty
• Financing options for poor credit score
• 5-day money-back guarantee
• 30-day, 1,500-mile warranty
• 99% approval odds
• A+ BBB rating and accreditation

Pros

• Multiple Loan Offers
• National Lender Network
• Bad Credit Is OK
• Loan Calculators

Pros

• 90-day preapproval period
• Allow co-applicants
• Offer discounts for active-duty and retired military members
• Offer financing for leisure vehicles

Pros

• Doesn't require a minimum credit score
• Offers secured and unsecured personal loans
• OneMain prequalification doesn't affect credit score
• Offers small loan amounts
• Loans can be received in the same day if approved by noon

Pros

• Private party loans and lease buyouts available
• No prepayment penalties
• Online shopping
• Great starting interest rate on new cars from dealers

Cons

• Only offers auto loan refinancing and lease buyouts, not new auto loans
• Some complaints about poor communication

Cons

• Only a broker

Cons

• The interest rate can get high for a low credit score
• Monthly income not less than $1500
• Not available in every state

Cons

• The interest rate can get high for a low credit score
• Deals with 3rd party dealers
• No general warranty or protection is available on cars, each to its make and model

Cons

• Requires no current bankruptcies
• Monthly income must be $833 or above
• The interest rate can get high for poor credit score
• Vehicle selection is limited to Carvana’s own inventory of used vehicles

Cons

• High interest rates
• The website lacks a loan calculator
• High interest rates
• No loan calculator tool

Cons

• Phone Calls From Lenders
• Must Provide Personal Info
• Loan Rates Depend On Lender

Cons

• Narrow membership eligibility
• Previous CFPB action
• Mixed customer reviews

Cons

• Charges origination fee
• Interest rates are higher than other lenders
• Large loan amounts require a lien on an automobile

Cons

• Autopay discount only available to PNC customers
• No financing for vehicles over eight years old
• Doesn’t disclose fees

Selling Points

• Assigns a dedicated consultant to find the best loan
• High customer review scores
• Low rates for customers with good credit scores

Selling Points

• BBB accreditation with A+ rating
• Connections with subprime dealerships and lenders
• Credit rebuilding tools

Selling Points

• Offers personal loans and auto loans
• No minimum credit score required
• Allows co-applicants

Selling Points

• No minimum credit score required
• Connects you with the best lenders for you
• No request fees or obligations

Selling Points

• Extensive inventory with more than 20,000 vehicles to choose from
• Flexible and multiple financing options
• Doesn't require minimum credit score

Selling Points

• 99.9% approval odds
• Free auto check history
• Fast processing
• 5-day money-back guarantee
• 30-day, 1,500-mile warranty

Selling Points

• Multiple loan offers
• National Lender Network
• Bad Credit Is OK
• Loan Calculators

Selling Points

• Competitive rates
• Direct deposit discount
• Refinance cash back
• Overseas auto-buying program

Selling Points

• Offers small loan amounts
• No minimum credit score required
• Customized personal loans

Selling Points

• Private party loans and lease buyouts available
• No prepayment penalties
• Online shopping

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

• Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Available Car Options

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  Undisclosed

  Used

Customer Support

• Articles and Videos

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  Undisclosed

  Email

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  Undisclosed

  Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides
• Live Chat

• —

  Undisclosed

  Phone
• Phone Support

Customer Support

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  Undisclosed

  Articles and Videos

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  Undisclosed

  Email

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  Undisclosed

  Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides

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  Undisclosed

  Live Chat

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  Undisclosed

  Phone
• Phone Support

Customer Support

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  Undisclosed

  Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides

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  Undisclosed

  Live Chat

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  Undisclosed

  Phone
• Phone Support

Customer Support

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  Undisclosed

  Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides
• Live Chat

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  Undisclosed

  Phone
• Phone Support

Customer Support

• Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides
• Live Chat

• —

  Undisclosed

  Phone
• Phone Support

Customer Support

• —

  Undisclosed

  Articles and Videos
• Email
• Email Support
• FAQs
• Help Guides

• —

  Undisclosed

  Live Chat
• Phone
• Phone Support

Customer Support

• —

  Undisclosed

  Articles and Videos

• —

  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

• —

  Undisclosed

  Help Guides
• Live Chat

• —

  Undisclosed

  Phone
• Phone Support

Customer Support

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  Undisclosed

  Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides
• Live Chat

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  Undisclosed

  Phone
• Phone Support

Customer Support

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  Undisclosed

  Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides

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  Undisclosed

  Live Chat

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  Undisclosed

  Phone
• Phone Support

Customer Support

• Articles and Videos

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  Undisclosed

  Email
• Email Support

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  Undisclosed

  FAQs

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  Undisclosed

  Help Guides

• —

  Undisclosed

  Live Chat

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  Undisclosed

  Phone
• Phone Support

Eligibility (Credit Score)

• Accepts all Credit Types

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  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

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  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• Accepts all Credit Types

• —

  Undisclosed

  Doesn't Cover Bad Credit

Eligibility (Credit Score)

• —

  Undisclosed

  Accepts all Credit Types
• Doesn't Cover Bad Credit

Features

• APRs (Annual Percentage Rate) Vary

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  Undisclosed

  Mobile Application

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  Requires Minimum Credit Score

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  Undisclosed

  Test Drive

Features

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  Undisclosed

  APRs (Annual Percentage Rate) Vary

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  Undisclosed

  Mobile Application

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  Undisclosed

  Requires Minimum Credit Score

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  Undisclosed

  Test Drive

Features

• APRs (Annual Percentage Rate) Vary
• Mobile Application

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  Undisclosed

  Requires Minimum Credit Score

• —

  Undisclosed

  Test Drive

Features

• APRs (Annual Percentage Rate) Vary

• —

  Undisclosed

  Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score

• —

  Undisclosed

  Test Drive

Features

• APRs (Annual Percentage Rate) Vary
• Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score
• Test Drive

Features

• APRs (Annual Percentage Rate) Vary

• —

  Undisclosed

  Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score
• Test Drive

Features

• APRs (Annual Percentage Rate) Vary

• —

  Undisclosed

  Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score
• Test Drive

Features

• APRs (Annual Percentage Rate) Vary
• Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score
• Test Drive

Features

• —

  Undisclosed

  APRs (Annual Percentage Rate) Vary
• Mobile Application

• —

  Undisclosed

  Requires Minimum Credit Score

• —

  Undisclosed

  Test Drive

Features

• APRs (Annual Percentage Rate) Vary

• —

  Undisclosed

  Mobile Application
• Requires Minimum Credit Score

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  Undisclosed

  Test Drive

Money-Back Guarantee

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  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

• Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Money-Back Guarantee

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  Yes

Money-Back Guarantee

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  Undisclosed

  Yes

Multiple Financing Options

• Lease Buyout
• New Auto

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  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

• Lease Buyout
• New Auto

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  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

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  Undisclosed

  Lease Buyout
• New Auto

• —

  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

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  Undisclosed

  Lease Buyout
• New Auto

• —

  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

• Lease Buyout

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  Undisclosed

  New Auto

• —

  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

• —

  Undisclosed

  Lease Buyout
• New Auto
• Private Party

• —

  Undisclosed

  Refinance
• Used Auto

Multiple Financing Options

• Lease Buyout
• New Auto

• —

  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

• —

  Undisclosed

  Lease Buyout
• New Auto

• —

  Undisclosed

  Private Party
• Refinance
• Used Auto

Multiple Financing Options

• Lease Buyout
• New Auto
• Private Party
• Refinance
• Used Auto

Multiple Financing Options

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  Undisclosed

  Lease Buyout
• New Auto
• Private Party
• Refinance
• Used Auto

Payment Options

• Automatic Payments (ACH Transactions)

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  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards

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  Undisclosed

  Mailed Payments

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  Undisclosed

  Major Credit Cards

Payment Options

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  Undisclosed

  Automatic Payments (ACH Transactions)

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  Undisclosed

  Cash

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  Undisclosed

  Cash Payments

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  Undisclosed

  Debit or Credit cards

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  Undisclosed

  Mailed Payments

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  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

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  Undisclosed

  Cash

• —

  Undisclosed

  Cash Payments
• Debit or Credit cards
• Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards

• —

  Undisclosed

  Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments

• —

  Undisclosed

  Debit or Credit cards

• —

  Undisclosed

  Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• —

  Undisclosed

  Automatic Payments (ACH Transactions)
• Cash
• Cash Payments
• Debit or Credit cards

• —

  Undisclosed

  Mailed Payments
• Major Credit Cards

Payment Options

• —

  Undisclosed

  Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards

• —

  Undisclosed

  Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards

• —

  Undisclosed

  Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards
• Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Payment Options

• Automatic Payments (ACH Transactions)

• —

  Undisclosed

  Cash
• Cash Payments
• Debit or Credit cards

• —

  Undisclosed

  Mailed Payments

• —

  Undisclosed

  Major Credit Cards

Protection

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  Undisclosed

  Extended Warranty

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  Undisclosed

  GAP Insurance

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  Undisclosed

  Limited Warranty

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  Undisclosed

  Return Policy

Protection

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  Undisclosed

  Extended Warranty

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  Undisclosed

  GAP Insurance

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  Undisclosed

  Limited Warranty

• —

  Undisclosed

  Return Policy

Protection

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  Undisclosed

  Extended Warranty

• —

  Undisclosed

  GAP Insurance

• —

  Undisclosed

  Limited Warranty

• —

  Undisclosed

  Return Policy

Protection

• —

  Undisclosed

  Extended Warranty

• —

  Undisclosed

  GAP Insurance

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  Undisclosed

  Limited Warranty

• —

  Undisclosed

  Return Policy

Protection

• —

  Undisclosed

  Extended Warranty
• GAP Insurance
• Limited Warranty
• Return Policy

Protection

• Extended Warranty
• GAP Insurance
• Limited Warranty
• Return Policy

Protection

• Extended Warranty

• —

  Undisclosed

  GAP Insurance

• —

  Undisclosed

  Limited Warranty

• —

  Undisclosed

  Return Policy

Protection

• —

  Undisclosed

  Extended Warranty
• GAP Insurance

• —

  Undisclosed

  Limited Warranty
• Return Policy

Protection

• Extended Warranty
• GAP Insurance
• Limited Warranty

• —

  Undisclosed

  Return Policy

Protection

• —

  Undisclosed

  Extended Warranty

• —

  Undisclosed

  GAP Insurance

• —

  Undisclosed

  Limited Warranty

• —

  Undisclosed

  Return Policy