Save Thousands Online on Your New Car Loan

Securing auto financing through an independent lender may turn out to be the single biggest money-saving action you take during your next vehicle purchase.

This page:

  • Explains the benefits of online financing

  • Describes strategies for shopping online

  • Helps you find the right lender for your needs

Get the lowest auto financing rates: Get Pre-Approved at RoadLoans whether you are buying a new or used car, or even if you are buying from an individual. Whatever your choice, you will save thousands. RoadLoans offers the lowest rates in the country, for people with fair or better credit ratings. If you have poor or no credit, click here to apply for special financing.

The benefits of direct auto financing

Okay, first things first. We're going to do a lot of talking about "direct financing" and "direct loans" and when we do what we have in mind is any kind of financing set up by you, without the help of the car dealer.

And we think that direct financing is a smart route for almost any buyer in the market for any product. But for new car financing it can be especially crucial.

That's because the potential savings are considerable and the potential risks pretty much non-existent.

Walking into a dealership with a guaranteed new car loan in your hand gives you bargaining power and flexibility. And you easily avoid the common dealership trap of mixing up vehicle price with financing costs.

And if the dealership can offer a better rate (a rare event!), all the better, because a direct new car loan (from a good lender, like the ones we partner with) comes with no commitment. That's why consumer advocates overwhelmingly recommend arranging outside new car financing before you shop.

Loan shopping strategies

The number one strategy you already know: shop for independent new car financing before you haggle price at the dealer's (and even if you don't haggle!)

Secondly strategy: give yourself a little "wiggle room" when it comes to price. If you don't already have a figure set in stone (and an itemized list of additional expenses), apply for a loan limit at least a little over what you expect to pay. It means extra flexibility for you at closing time, and you're under no obligation to use your entire loan limit.

Last strategy: If you're comfortable with it, opt to make your payments automatically. Securing your loan online usually means rate savings already. But online lenders will usually offer even lower rates if you pay electronically.

Now let's find the best new car loan for you!

Instant financing (well, practically instant)

We've looked at a lot of lenders, and one source for financing consistently impress with their low rates and great customer service.

RoadLoans, is one of the nation's leaders in online car financing. With one simple application you can lock in a low rate (for 45 days!) and shop with confidence. (And we mean a low rate, as in we haven't seen lower.)

There are no hidden fees or charges, and they also offer new car loans to buyers with lesser credit.

We basically can't say enough good things about these guys. Read more about how RoadLoans works (okay, so we can say a little more good stuff), or apply with them now.


Next: use our car loan calculator to figure out how much you can borrow.

Learn how to save even more:

Sign up fo our free auto financing email course. You'll learn the step-by-step process that will help you save hundreds, even thousands of dollars on financing costs. And it's free!

Sing up here: