Your one-stop shop for finding the best personal loan for you

Whether you’re buying a car for the first time or you have lots of experience buying and selling cars in the past, a personal loan can be the fastest and easiest way to access the funds you need. With so many personal loan options today, finding the right lender can be overwhelming and you can easily get stuck with terms that aren’t the best simply because you didn’t know there were better options out there. Note: there are always better options out there.

To make things easier for you, we’ve broken down the 5 best online lending companies and marketplaces that offer the most competitive terms tailored to your specific financial situation.

Lending Tree

  • Minimum Credit Score:  629
  • Loan Amount: Up to $50,00
  • Loan Term: 3 months - 15 years
  • APR range: 4.69% - 35.99%

Why go with LendingTree? LendingTree operates as a loan marketplace, matching borrowers with the most relevant loan providers within their network of more than 1,500 lenders. The sheer size of their network makes LendingTree especially popular with first-time car buyers who want to explore as many offers as possible.

The key advantage with LendingTree is that you’ll submit only one loan application and in turn receive multiple offers, without having to wade through dozens of forms on your own.

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AmOne

  • Minimum Credit Score:N/A
  • Loan Amount: Up to $40,00
  • Loan Term: 2 months - 15 years
  • APR range: 4.99% - 35.99%

Why go with AmOne ? AmOne is another loan marketplace that’s ideal for borrowers with average to poor credit who need funds quickly. If you’re looking to buy a car ASAP, this may be perfect for you. Their simple application also allows you to shop around without having to visit every single lender individually.

Loans Under 36

  • Minimum Credit Score: N/A
  • Loan Amount: Up to $35,00
  • Loan Term: 3 months - 6 years
  • APR range: 5.99% - 35.99%

Why go with LoansUnder36? Another loan marketplace, LoansUnder36 is ideal for borrowers who have less than ideal credit. This means that your credit score doesn’t have to stand between you and the car you want to buy. The 36 in the lender’s name refers to the annual interest rate - the company only works with lenders who offer loans under 36% APR.

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Credible

  • Minimum Credit Score: 680
  • Loan Amount: Up to $100,000
  • Loan Term: 2 - 7 years
  • APR range: 4.99%-35.99%

Why go with Credible? ​​Credible is ideal for anyone who needs a loan and doesn’t know where to start. They speeds up the process of hunting for a suitable personal loan by sending your application to multiple providers at the same time. You then receive 6 preliminary loan offers to compare and choose from.

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Lending Point

  • Minimum Credit Score:  600
  • Loan Amount: Up to $25,00
  • Loan Term: 2 months - 15 years
  • APR range: 15.49% - 35.99%

Why go with LendingPoint? LendingPoint is a direct lender that works with borrowers who have average to bad credit. Funding with LendingPoint is fast. Borrowers can receive the loan amount by the next business day, though in some cases it takes several days. This is perfect if you’re looking for quick way to buy a car, without the hassle of having to wait around for an answer from a lender.

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