CINXE.COM

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mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/08/22121830/rebecca-betterton-headshot-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone text-black"> Rebecca Betterton</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Writer, Auto Loans and Personal Loans</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div 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1.303-.261 1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Auto Loans</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 3 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rebecca Betterton, a Certified Financial Education Instructor℠, is a writer for Bankrate who has been reporting on auto loans since 2021.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rebecca-betterton/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/RebeccaBettert1" target="_blank" rel="nofollow" aria-label="Connect with Rebecca Betterton on Twitter" data-beam-element-clicked id="author_bio_rebecca_betterton_twitter_icon" data-type="icon" data-location="author_bio_rebecca_betterton" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter Icon</title><path d="m14.001 10.394 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'display-flex' : 'display-none'" class="flex-direction-column -mt-1 gap-1 mb-2 sm:display-none"> <div class="Byline-user"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('Cxjsjo')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-Cxjsjo" aria-controls="tooltip-content-Cxjsjo" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-Cxjsjo" aria-hidden="true" aria-labelledby="tooltip-trigger-Cxjsjo" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone text-black"> Rhys Subitch</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Personal Loans, Auto Loans, and Debt</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div 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1.775-.732l.588-.589a1.178 1.178 0 0 1 1.657 0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of personal finance experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about personal loans products for every part of life.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/rhyssubitch/" target="_blank" rel="nofollow" aria-label="Connect with Rhys Subitch on LinkedIn" data-beam-element-clicked id="author_bio_rhys_subitch_linkedin_icon" data-type="icon" data-location="author_bio_rhys_subitch" data-position="top" data-text="linkedin" data-outcome="open_linkedin" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn 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font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('kA4tsc')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-kA4tsc" aria-controls="tooltip-content-kA4tsc" x-bind="trigger"> Rhys Subitch</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-kA4tsc" aria-hidden="true" aria-labelledby="tooltip-trigger-kA4tsc" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/brp/2024/07/18182829/Rhys-Subitch-pfp-update-1.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone text-black"> Rhys Subitch</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Personal Loans, Auto Loans, and Debt</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal loans</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 8 Years of personal finance experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Rhys Subitch is a Bankrate editor who leads an editorial team dedicated to developing educational content about personal loans products for every part of life.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/rhys-subitch/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://www.linkedin.com/in/rhyssubitch/" target="_blank" rel="nofollow" aria-label="Connect with Rhys Subitch on LinkedIn" data-beam-element-clicked id="author_bio_rhys_subitch_linkedin_icon" data-type="icon" data-location="author_bio_rhys_subitch" data-position="top" 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@click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/rhys-subitch/" class="text-link text-black plain font-circular-bold ">Rhys Subitch</a> </div> </span> </div> </div> <div class="Date display-flex align-items-center sm:flex-wrap sm:flex-direction-row sm:justify-content-center mt-2 md:mt-0"> <div class="type-body-three text-white"> <div class="wysiwyg display-inline"> <div>Updated Nov 21, 2024</div></div> </div> </div> </div> <div class="introText md:col-span-3 mb-4 sm:mb-0 mt-4" data-read-more="container"> <div class="mb-4 text-white"> <p id="intro-text-para" class="mb-2 text-sm leading-snug"> <span class="font-circular-bold"> What to know first:</span> <span id="intro-text-shortened"> To drive away with the best deal, you need to arrive at the dealership lot with a plan for financing your car. Auto loans are a type of secured financing that help borrowers pay for a new or used car. They are available from dealerships and lenders. Because there are many lenders on the market, shopping around for a loan — just like you would your car — will help you find the best rates available.</span> <button class="Link Link--standalone text-blue-300 font-circular-bold bg-transparent p-0 mb-2" id="intro-read-more-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read more" >Read more</button> <span class="display-none" id="intro-text-remaining"></span> </p> <div aria-hidden="false" class="introReadMore text-sm text-white mb-2 display-none" id="intro-read-more-content"> <div class="wysiwyg display-inline"> <p>Bankrate’s best auto loans are selected based on a lender’s available rates and terms, customer experience and transparency. Explore all the fine details to determine which vehicle financing option is right for you. </p></div> <div class="full-width text-right -mt-6 mb-4"> <button class="Link Link--standalone text-sm text-blue-300 font-circular-bold bg-transparent p-0" id="intro-show-less-trigger" data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Read Less" >Read Less</button> </div> </div> </div> </div> </div> </div> <div class="Drawer md:col-span-3 text-center sm:text-left mt-2 sm:mt-6"> <button data-beam-element-clicked data-type="Button" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Table of contents" data-outcome="open drawer" class="Link Link--standalone DrawerItem DrawerItemFooter bg-transparent pl-0 lg:pl-2" data-target="table-of-contents-modal-drawer" type="button"> Table of contents </button> <div id="table-of-contents-modal-drawer" class="Modal ModalDrawer h-full is-closed p-0" x-data role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="table-of-contents-modal-drawer" data-modal="toggle" aria-label="close"></button> <div class="Modal-container ModalDrawer-container" role="document" > <div class="ModalDrawer-scroller p-6 bg-white box-shadow-four rounded-t-lg"> <div class="ModalDrawer-content m-auto"> <div id="h-toc-link" class="DrawerItemContent"> <div class="wysiwyg display-block w-full"> <p><strong>Table of contents</strong></p> <ul> <li><a class="Link" href="#compare">Compare auto loan rates in June 2024</a></li> <li><a class="Link" href="#best">Best auto loan lenders in 2024</a></li> <li><a class="Link" href="#guide">A beginner’s guide to auto loans </a></li> <li><a class="Link" href="#current">Current car loan interest rates</a></li> <li><a class="Link" href="#credit-score">Auto loan rates by credit score</a></li> <li><a class="Link" href="#before">What to know before applying for an auto loan</a></li> <li><a class="Link" href="#manage">How to manage a car loan </a></li> <li><a class="Link" href="#faq">FAQs about auto loans</a></li> </ul></div> </div></div> </div> <button class="ModalDrawer-close p-3 w-12 cursor-pointer bg-transparent text-blue md:mr-2 md:mt-2" type="button" data-modal="toggle" data-target="table-of-contents-modal-drawer" aria-label="close"> <svg width="24" height="24" class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg></button> </div> </div> <script> addEventListener('load', (_) => { const mymodal = document.getElementById("table-of-contents-modal-drawer"); const container = document.getElementById("modalStack"); container.append(mymodal); window.initModal('table-of-contents-modal-drawer', false); }); </script> <a data-beam-element-clicked data-type="link" data-location="DarkSideV1" data-position="DarkSideV1 component" data-text="Why choose Bankrate?" data-outcome="jump to link" href="#why-bankrate" class="Link Link--standalone LinkCustomFooter text-blue"> Why choose Bankrate?</a> </div> </div> </div> <div class="col-span-1 sm:col-span-1 md:col-span-1 "> <div class="rate-table-auto-loans" data-preamp> <script>window.config={"HOST_ENV":"prod","HELM_API_ENDPOINT":"https://helm.bankrate.com","loansApiEndpoint":"https://loans.bankrate.com","loansApiKey":"c5a17aea1045437d8e4cdedf3cdb88db","autoLoansFormEndpoint":"https://offers.bankrate.com/auto-loans/pre-qual","SMB_API_ENDPOINT":"https://helm.bankrate.com","ROLLBAR_CLIENT_TOKEN":"a9fff71135ef4a2c9a9d9a6ad2444fb5"}</script><div id="__next"><div><main><div class="wrapper mb-16 rate-table"><div><div class="flex align-middle my-3" id="rt-disclosures-section"><div class="sm:px-2 px-1 flex-initial"><div class="Tooltip z-layer-two z-10" data-test="undefined"><button class="Tooltip-trigger Button Button--bare Link Link--plain text-blue-600 text-base border-b-0 hover:text-blue-600" type="button" aria-expanded="false">Advertiser Disclosure</button><div class="Tooltip-content Tooltip-content--anchorLeft Tooltip-content--belowTrigger hidden" id="disclosureTooltip" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. 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X</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12 10.586L4.222 2.808 2.808 4.222 10.586 12l-7.778 7.778 1.414 1.414L12 13.414l7.778 7.778 1.414-1.414L13.414 12l7.778-7.778-1.414-1.414L12 10.586z" class="close-x_svg__icon-base"></path></svg></div></div><div class="grid grid-cols-2 classy-md:grid-cols-5"><div class="col-span-4 classy-lg:mr-6"><form action="#"><div class="flex flex-col align-items-flex-top classy-md:flex-row"><div class="classy-md:mt-4 mb-2 classy-md:mr-4 md:mr-4 w-full max-width-200 bg-white"><label class="FormLabel " for="loanPurpose">Loan Type</label><div class="FormControl FormControl--withRightIcon"><button type="button" class="FormSelect hidden classy-md:block">New, Used, Re...</button><span class="FormSelect-arrow Icon Icon--xs hidden classy-md:block"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div><div class="mb-3 classy-md:mt-4 classy-md:mr-4 w-full max-width-200"><div class="FormControl"><label class="FormLabel " for="zip">ZIP code</label><input name="zip" id="zip" inputMode="numeric" class="FormInput" value="90210"/></div></div><div class="mb-4 classy-md:mt-4 classy-md:mr-4 w-full max-width-200"><label class="FormLabel" for="termMonths">Loan term</label><div class="FormControl FormControl--withRightIcon"><select name="termMonths" id="termMonths" class="FormSelect"><option value="24">24 Months</option><option value="36">36 Months</option><option value="48">48 Months</option><option value="60" selected="">60 Months</option><option value="72">72 Months</option><option value="84">84 Months</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div><div class="mb-4 classy-md:mt-4 classy-md:mr-4 w-full max-width-200"><label class="FormLabel" for="creditScore">Credit score</label><div class="FormControl FormControl--withRightIcon"><select name="creditScore" id="creditScore" class="FormSelect"><option value="750">Excellent (750+)</option><option value="700" selected="">Good (700-749)</option><option value="640">Fair (640-699)</option><option value="639">Needs Work (< 640)</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div></div></form></div><div class="grid-column-reverted classy-md:mt-4 mb-2 classy-md:col-span-1 col-span-4 classy-md:mr-4 classy-lg:mr-0"><div class="FormControl "><label class="FormLabel " for="loanPurpose">Sort by</label><select class="FormSelect" aria-label="Form select"><option value="rank" selected="">Default</option><option value="lender">Lending Partner</option><option value="apr">APR</option><option value="term">Term</option><option value="amount">Max Loan Amount</option><option value="review-score">Bankrate Score</option></select><span class="FormSelect-arrow Icon Icon--xs"><svg class="icon__glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></div></div></div></div></div><div class="col-span-5 md:col-span-6"><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">USED</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">myAutoLoan: Best for fair credit borrowers</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/my auto loan.png?optimize=medium&format=pjpg&auto=webp" alt="MyAutoLoan" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.7 star rating"><div class="RatingStars-iconMask" style="width:74%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd1km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd1km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.19<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">Starting at $8,000</div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl1km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Borrowing from a loan aggregator is a surefire way to get the best way. One recognized in the space, myAutoLoan, will field offers following a single application so you can easily compare your options. </p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl1km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be at least 18 years old</li><li>Have a FICO credit score of at least 600</li><li>Have gross annual earnings of at least $21,600 for a non-refinancing purchase</li><li>Have gross annual earnings of at least $18,000 for auto refinancing</li><li>Choose a vehicle no more than 10 years old with under 125,000 miles</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Flexible acceptance criteria </li><li>Fast funding</li><li>Transparent rates</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Limited state availability</li><li>Online-only customer support</li><li>High minimum loan amount </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl1km:"><p><span style="color: rgb(38, 38, 38);">See partner disclosures: </span><a style="background-color: rgb(255, 255, 255);" rel="noopener noreferrer" href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html&data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D&reserved=0" target="_blank">https://www.myautoloan.com/disclosure-section.html</a></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">myAutoLoan: Best for fair credit borrowers</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/my auto loan.png?optimize=medium&format=pjpg&auto=webp" alt="MyAutoLoan" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.7 star rating"><div class="RatingStars-iconMask" style="width:74%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd2km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd2km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.19<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">Starting at $8,000</div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl2km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Borrowing from a loan aggregator is a good way to get the best deal. You only need to fill out one application, and myAutoLoan will field offers from multiple lenders so you can easily compare your options.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl2km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be at least 18 years old</li><li>Have a FICO credit score of at least 600</li><li>Have gross annual earnings of at least $21,600 for a non-refinancing purchase</li><li>Have gross annual earnings of at least $18,000 for auto refinancing</li><li>Choose a vehicle no more than 10 years old with under 125,000 miles</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Flexible acceptance criteria</li><li>Fast funding </li><li>Transparent rates</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Limited state availability</li><li>Online-only customer support</li><li>High minimum loan amount</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl2km:"><p><span style="color: rgb(38, 38, 38);">See partner disclosures: </span><a style="background-color: rgb(255, 255, 255);" rel="noopener noreferrer" href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html&data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D&reserved=0" target="_blank">https://www.myautoloan.com/disclosure-section.html</a></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Tenet: Best for specialized EV loans</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/tenet.png?optimize=medium&format=pjpg&auto=webp" alt="Tenet" loading="lazy" width="144"/></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd3km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">6.39- 15.75<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$15k- $95K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not disclosed</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">Read our review<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Read review on Bankrate</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl3km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Tenet specializes in electric vehicle (EV) and plug-in hybrid financing. This makes it a great choice if you’ve been wanting a more eco-friendly ride. Best of all, financing is available for borrowers with fair credit — a rare feature among lenders.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl3km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Battery electric or plug-in hybrid </li><li>2014 model year or newer</li><li>Less than 100,000 miles</li><li>Credit score of 640</li><li>At least 18 years old</li><li>U.S. citizen or permanent resident</li><li>Resident of Tenet’s serviced states</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Not specified</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Loan terms up to 84 months</li><li>Low maximum APR</li><li>Fully online experience</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Only offers EV financing</li><li>High minimum loan amount</li><li>Limited state availability</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl3km:"></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Gravity Lending: Best for no fees</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Gravity Lending.png?optimize=medium&format=pjpg&auto=webp" alt="Gravity Lending" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.0 star rating"><div class="RatingStars-iconMask" style="width:80%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.0</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/gravity/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd4km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.0/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd4km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">4.99- 14.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">3-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$15k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">640</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl4km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Refinancing your auto loan through a marketplace can help you find the right lender. Gravity offers a side-by-side comparison and stands out for its lack of origination fees — although a lender in its network might charge one when you refinance.</p><p><br></p><p><br></p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl4km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Minimum loan balance of $10,000 </li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Ability to add or remove co-borrowers</li><li>Loan officer customer support </li><li>No origination fees</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Potential long funding timeline</li><li>Unknown maximum rate</li><li>Vehicle restrictions</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl4km:"><p><span style="color: rgb(38, 38, 38);">*When comparing identical loans offers at the same term length, principal balance, and interest rate, a loan without a fee will have a lower total payback compared to a loan where a fee is assessed. Gravity Lending does not assess a fee to the borrower for any of our products or services. When comparing 2 loans with the same buy rate, principal balance, and term length, a loan with a marked up rate will cost the borrower more. Gravity Lending does not mark up rates offered to consumers from our lender partners. Gravity Lending processes loans on behalf of the lenders for the benefit of the customer. **Monthly and Total Savings: Average monthly payment and total interest savings shown were calculated from all funded loans in 2022. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less, depending on a combination of the rate approved, the term selected, and the total amount financed. *** Gravity Lending has the highest average satisfaction scores, at a 4.97 average review score, across the following platforms: Better Business Bureau, Google, TrustPilot, Lending Tree, Consumer Affairs, and Wallethub. You are not required, encouraged, guaranteed the option to skip a payment. Generally, auto loans have a grace period of 30-45 days to contract a first payment. Many lenders in the Gravity Lending network offer up to 90 days from the contract date before a first payment is required.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Auto Credit Express: Best for low-income borrowers</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Auto Credit Express.png?optimize=medium&format=pjpg&auto=webp" alt="Auto Credit Express" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.6 star rating"><div class="RatingStars-iconMask" style="width:72%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/auto-credit-express/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd5km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd5km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Varies by lender</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $45K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not disclosed</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl5km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Auto Credit Express is a service that matches borrowers with lenders. It specifically works with people who have poor credit and low incomes — as little as $1,500 per month. The lenders in its network accept co-signers, which is a good benefit if you’re on the lower end of the credit spectrum.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl5km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>At least 18 years old</li><li>Monthly income of $1,500 to $2,000</li><li>Full-time employment or fixed income</li><li>Valid driver’s license</li><li>Proof of insurance</li><li>Resident of the U.S. or Canada</li><li>10% down payment</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Unspecified</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Low minimum income requirement</li><li>Accepts co-signers</li><li>Works with bad credit borrowers</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>High minimum loan amount</li><li>Limited information available online</li><li>Unclear rates and fees</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl5km:"><p>All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. "APR as low as" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Autopay: Bankrate award winner for best auto loan online lender </h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Autopay.png?optimize=medium&format=pjpg&auto=webp" alt="Autopay" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.2</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd6km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.2/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd6km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">4.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">1-8 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl6km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Autopay offers both traditional and cash-out refinancing to borrowers. It has a large marketplace and works with a range of lenders which can also help borrowers find a good fit. </p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl6km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Vehicle no more than 10 years old</li><li>Vehicle under 150,000 miles</li><li>580 credit score </li></ul><p><br></p></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Large network of lenders</li><li>Co-applicants allowed</li><li>Ability to compare multiple loans</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Lowest APR only for excellent credit borrowers</li><li>Unspecified credit requirements</li><li>Possible down payment</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl6km:"><p>1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify & sign on-line. In our work we use the most modern and convenient solutions.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Auto Approve: Best for loan comparison</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Auto Approve.png?optimize=medium&format=pjpg&auto=webp" alt="Auto Approve" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.0 star rating"><div class="RatingStars-iconMask" style="width:80%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.0</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/auto-approve/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd7km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.0/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd7km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">5.29- 24.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">1-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$10k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">620</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl7km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Auto Approve matches you directly with lenders and handles the DMV paperwork for both refinancing and lease buyouts. In fact, it is one of the few options to quickly compare lease buyouts. This makes Auto Approve a useful tool if you’re struggling to find a lender to finance buying your leased car.</p><p><br></p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl7km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Credit score of 620</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Potential documentation fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Vehicle add-ons</li><li>Personalized customer support </li><li>Joint applications </li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Undisclosed lenders in network </li><li>High minimum loan amount</li><li>Funding timelines vary</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl7km:"><p><em>*APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 5.29% APR based on: 2019 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.</em></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">myAutoLoan: Best for comparing rates with good credit</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/my auto loan.png?optimize=medium&format=pjpg&auto=webp" alt="MyAutoLoan" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.7 star rating"><div class="RatingStars-iconMask" style="width:74%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.7</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd8km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.7/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd8km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">5.47<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $120K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">600</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl8km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Using a loan marketplace is a great way to approach refinancing. With a low minimum credit score requirement, myAutoLoan is a better comparison option for those who don't have perfect credit.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl8km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be at least 18 years old</li><li>Have a FICO credit score of at least 600</li><li>Have gross annual earnings of at least $21,600 for a nonrefinancing purchase</li><li>Have gross annual earnings of at least $18,000 for auto refinancing</li><li>Choose a vehicle no more than 10 years old with under 125,000 miles</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Low minimum credit requirement </li><li>Speedy funding</li><li>Rates updated online</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Not available in all states </li><li>Large minimum amount</li><li>Some vehicle restrictions</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl8km:"><p><span style="color: rgb(38, 38, 38);">See partner disclosures: </span><a style="background-color: rgb(255, 255, 255);" rel="noopener noreferrer" href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html&data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D&reserved=0" target="_blank">https://www.myautoloan.com/disclosure-section.html</a></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Caribou: Best for fair credit loan comparison</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Caribou.png?optimize=medium&format=pjpg&auto=webp" alt="Caribou" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.5 star rating"><div class="RatingStars-iconMask" style="width:90%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.5</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/caribou/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rd9km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.5/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rd9km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">5.48- 28.55<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $125K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">640</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rl9km:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Caribou helps borrowers refinance their current loans with the intent of getting better rates or terms. Following an application, borrowers will get access to multiple offers, which will help ensure they find the right new loan for their needs.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rl9km:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Credit score of 640</li><li>Minimum monthly income of $2,000</li><li>Positive vehicle equity </li><li>No more than 120,000 on vehicle </li><li>Non-commercial vehicles only</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>$499 processing fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Customer service available seven days a week</li><li>Insurance bundling option</li><li>Prequalification offered</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Not available in all states</li><li>Processing fees</li><li>High minimum loan amount</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rl9km:"><p>APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 9/11/24 and are subject to change without notice.</p><p><br></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">USED</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Auto Credit Express: Best for low-income borrowers</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Auto Credit Express.png?optimize=medium&format=pjpg&auto=webp" alt="Auto Credit Express" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.6 star rating"><div class="RatingStars-iconMask" style="width:72%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/auto-credit-express/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdakm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdakm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Varies by lender</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $45K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">525</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlakm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Auto Credit Express is a service that matches borrowers with lenders. It specifically works with people who have poor credit and low incomes — as little as $1,500 per month. The lenders in its network accept co-signers, which is a good benefit if you’re on the lower end of the credit spectrum.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlakm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>At least 18 years old</li><li>Monthly income of $1,500 to $2,000</li><li>Full-time employment or fixed income</li><li>Valid driver’s license</li><li>Proof of insurance</li><li>Resident of the U.S. or Canada</li><li>10% down payment</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Unspecified</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Low minimum income requirement</li><li>Accepts co-signers</li><li>Works with bad credit borrowers</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>High minimum loan amount</li><li>Limited information available online</li><li>Unclear rates and fees</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlakm:"><p>All loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms & conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. "APR as low as" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.</p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Cars Direct: Best for poor credit borrowers</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/CarsDirect.png?optimize=medium&format=pjpg&auto=webp" alt="CarsDirect" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.6 star rating"><div class="RatingStars-iconMask" style="width:72%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.6</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/carsdirect/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdbkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.6/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdbkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not Specified</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-6 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$25k- $250K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">700</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlbkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Cars Direct is not a direct lender, but instead an online network of lenders. It works with a wide range of lenders, making it a great fit for borrowers with less-than-perfect credit. It even has an online car-buying platform for those who want to shop and finance in one place.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlbkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Not specified</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None but potential fees from the matched lender</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Fit for borrowers with no credit </li><li>Online car buying network</li><li>Large lender network </li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Does not directly provide financing</li><li>Unknown rates and terms</li><li>Network dealership required</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlbkm:"></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">LightStream: Best for fast funding</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LightStream.png?optimize=medium&format=pjpg&auto=webp" alt="LightStream" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.2</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.2/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.49- 15.44<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">* with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $100K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not disclosed</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlckm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>If you have strong credit and are looking to secure immediate refi funds with no fees, LightStream is a great option.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlckm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Good to excellent credit scores</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Fast funding</li><li>Mobile application available</li><li>High loan amount</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Unsecured loans</li><li>Must refinance at least $5,000</li><li>No prequalification</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlckm:"><p><span style="color: rgb(0, 0, 0); background-color: transparent;">*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.49% APR with a term of 3 years would result in 36 monthly payments of $320.28. </span><span style="color: black; background-color: transparent;"><img width="20" height="13" src="//:0"></span><span style="color: black;"> Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">RefiJet: Best for customer support</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/RefiJet_Classic_HighResolution.png?optimize=medium&format=pjpg&auto=webp" alt="RefiJet" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="3.9 star rating"><div class="RatingStars-iconMask" style="width:78%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">3.9</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/refijet/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rddkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 3.9/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rddkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not specified</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-8 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rldkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>For those who are looking for extra guidance throughout the refinance process, RefiJet is a strong option. Borrowers are matched with an experienced financial advisor for help throughout the entire experience.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rldkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Be at least 18 years of age</li><li>Be employed or have a steady, verifiable source of income </li><li>Full coverage insurance on your vehicle </li><li>Valid vehicle registration and driver’s license </li><li>Be current on your auto loan payments </li><li>Vehicle is no more than 10 years old </li><li>Vehicle has fewer than 150,000 miles on it</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>$395 processing fee</li><li>Potential origination fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Customer support </li><li>Cash-out refinancing available</li><li>Prequalification available</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Vehicle restrictions</li><li>Long funding timeline</li><li>Application not fully online </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rldkm:">RefiJet is an auto-refinance company the specializes in offering personalized help and support to find consumers the best auto refinance loan for which they qualify. RefiJet partners with a national network of leading financial institutions and delivers quick quotes at competitive rates. RefiJet has auto refinance solutions for you to: <ul> <li>Lower your monthly payment- $150 Average Monthly Savings*</li> <li>Reduce your interest rate</li> <li>Minimize risk with Guaranteed Asset Protection </li> <li>Protect your vehicle with an Extended Service Contract</li> </ul> Pre-qualify for a refinance auto loan in minutes with no impact to your credit score </div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">REFINANCE</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">iLending: Best for poor credit refinancing</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/iLending.png?optimize=medium&format=pjpg&auto=webp" alt="iLending" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.4 star rating"><div class="RatingStars-iconMask" style="width:88.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.4</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/ilending/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdekm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.4/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdekm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">5.94- 18.79<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-8 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">560</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlekm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Qualifying for an improved auto loan rate through refinancing can be challenging for those with less-than-perfect credit. iLending caters specifically to those with poor credit, and its easy online application makes it a good option for a range of borrowers.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlekm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Debt-to-income (DTI) ratio of at least 55 percent</li><li>Income of at least $24,000 per year</li><li>Minimum credit score of 560 in most states, as low as 510 in some</li><li>No repossessions in the last five years or foreclosures in the last two</li><li>No bankruptcies filed in the last year or discharged/dismissed in the last 36 months</li><li>Remaining loan balance of at least 12 months</li><li>Vehicle model of 2013 or newer</li><li>Less than 150,000 miles on vehicle</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Administration fees</li><li>Documentation fees</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Low minimum credit score</li><li>Vehicle repayment protection</li><li>Customer service</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Unspecified fee amounts</li><li>No new/used auto loans</li><li>Online only experience</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlekm:"></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">USED</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Lightstream: Best overall auto loan</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LightStream.png?optimize=medium&format=pjpg&auto=webp" alt="LightStream" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.2</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdfkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.2/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdfkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.24- 15.19<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">* with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$8k- $100K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not disclosed</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlfkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LightStream is one of the most recognized online lenders in the auto loan space. It provides unsecured loans, which means borrowers receive funding directly without providing the vehicle as collateral. This results in fast funding, which is perfect for those who are looking to finance as soon as possible.</p><p><br></p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlfkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Credit score of 660</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Quick funding</li><li>High maximum loan amount </li><li>Wide range of repayment options </li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Unsecured loan </li><li>Good to excellent credit required </li><li>No prequalification offered </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlfkm:"><p><span style="color: rgb(0, 0, 0); background-color: transparent;">*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.49% APR with a term of 3 years would result in 36 monthly payments of $320.28. </span><span style="color: black; background-color: transparent;"><img width="20" height="13" src="//:0"></span><span style="color: black;"> Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">LightStream: Best overall auto loan</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/LightStream.png?optimize=medium&format=pjpg&auto=webp" alt="LightStream" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.2</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdgkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.2/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdgkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">7.24- 15.19<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left">* with AutoPay</span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">2-7 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$5k- $100K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl">Not disclosed</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlgkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg class="icon__glyph " xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32" fill="none"><rect width="32" height="32" rx="4" fill="#0157FF"></rect><path fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" fill="white"></path></svg><span class="ml-2 font-bold uppercase text-sm heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>LightStream is one of the most recognized lenders in the loan space. It provides unsecured loans, which means borrowers receive funding directly. This results in fast funding, which is perfect for those who are looking to finance as soon as possible.</p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlgkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Unspecified</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>None</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Quick funding</li><li>High maximum loan amount </li><li>Wide range of repayment options</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Unsecured loan</li><li>Good to excellent credit required</li><li>No prequalification offered </li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlgkm:"><p><span style="color: rgb(0, 0, 0); background-color: transparent;">*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.49% APR with a term of 3 years would result in 36 monthly payments of $320.28. </span><span style="color: black; background-color: transparent;"><img width="20" height="13" src="//:0"></span><span style="color: black;"> Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.</span></p></div></div></div></div></div></article></div></div></div><div class="mb-4"><div class="RateCard-layout grid grid-cols-12 w-full"><div class="RateCard-item"><article class="RateCard border border-gray-400 rounded text-base"><div class="flex flex-col classy-md:flex-row classy-md:items-center text-center"><div class="card-flag px-4 self-stretch bg-blue-700"><p class="type-heading-five uppercase m-0 py-3 text-white">NEW</p></div><div class="card-flag bg-blue-100 px-4"><h2 class="type-heading-six uppercase text-blue-900 m-0 py-2">Autopay: Bankrate award winner for best auto loan online lender</h2></div></div><div class="px-4 sm:py-4"><div class="flex flex-col classy-md:justify-between classy-md:flex-row gap-4 classy-md:items-center RateCard__topContainerv2"><div class="RateCard__firstColumn flex items-center classy-md:items-start justify-between classy-md:flex-col classy-md:justify-start gap-4 mt-4 classy-md:mt-0 classy-md:mb-3 mr-3 classy-md:mr-0"><div><div class="RateCard__LenderLogo classy-md:mt-5"><img src="https://www.bankrate.com/static/loans/logos/Autopay.png?optimize=medium&format=pjpg&auto=webp" alt="Autopay" loading="lazy" width="144"/></div></div><div class="flex flex-col relative"><div class="flex items-center justify-center"><div class="RatingStars mr-1" role="marquee" aria-label="4.2 star rating"><div class="RatingStars-iconMask" style="width:84.00000000000001%"><ul class="RatingStars-iconContainer"><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-blue-600 text-blue-600"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><ul class="RatingStars-iconContainer mb-1"><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li><li class="RatingStars-icon Icon Icon--xs fill-gray-400 text-gray-400"><svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" width="16" height="15" viewBox="0 0 16 15"><path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path></svg></li></ul></div><p class="text-base font-bold mb-1 mr-2 text-gray-900">4.2</p></div><div class="text-sm text-gray-900 text-center"><a class="Link Link--standalone" href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/" target="_blank" rel="noreferrer">Bankrate Review</a></div><div class="tooltip-wrapper inline-block ml-1 cursor-pointer mt-1 absolute"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rdhkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs"><span class="font-bold">Bankrate Rating = 4.2/5</span><br/>Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.</p></div></div></div></div></div></div><div class=" RateCard__headerDataContainer flex-1 "><div class="flex flex-col w-full classy-md:grid classy-md:grid-cols-4 classy-md:justify-between classy-md:gap-2"><div><div class=" flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><span class="flex"><div class="text-gray-900 font-bold ml-0 classy-md:mb-2 text-sm classy-md:text-base">APR from</div><div class="ml-1"><div class="Tooltip" data-test="undefined"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg viewBox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Icon-glyph"><path fill-rule="evenodd" clip-rule="evenodd" d="M8 16A8 8 0 108 0a8 8 0 000 16zm0-1A7 7 0 118 1a7 7 0 010 14zM7 5.012a1 1 0 112 0A.994.994 0 018 6c-.549 0-1-.451-1-.988zM7 12V7h2v5H7z" class="info_svg__icon-base"></path></svg></span><span class="sr-only">Hover to learn more.</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="aprTooltip_:Rdhkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.</p></div></div></div></div></span><div class="flex-col relative"><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl">4.99<span class="Numeral-accent ">%</span></div><span class="text-gray-700 float-right classy-md:float-left"></span></div></div></div><div class=" "><span class="text-gray-700 font-sans classy-md:text-base"><div class="flex justify-between w-full mb-2 classy-md:flex-col classy-md:border-t-0 classy-md:border-r border-gray-400 border-t pt-2 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan term</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl classy-md:pl-2">1-8 yrs</div></div></span></div><div class=""><div class="flex justify-between w-full mb-2 border-t pt-2 border-gray-400 classy-md:flex-col classy-md:border-t-0 classy-md:border-r classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Loan amount</div><div class="font-bold text-gray-900 text-base leading-6 classy-md:text-2-5xl lowercase classy-md:pl-2">$8k- $150K<span class="Numeral-accent"></span></div></div></div><div class=""><div class="flex justify-between w-full mb-2 border-y py-2 border-gray-400 classy-md:flex-col classy-md:border-y-0 classy-md:mx-4 classy-md:p-0 classy-md:h-full classy-md:justify-start"><div class="text-gray-900 font-bold classy-md:mb-2 ml-0 text-sm classy-md:text-base classy-md:pl-2">Min credit score</div><div class="type-heading-three text-gray-900 font-bold classy-md:pl-2"><span class="font-bold text-gray-900 font-bold text-base classy-md:text-xl classy-md:text-2-5xl">580</span></div></div></div></div></div><div class="text-center sm:mb-8 classy-md:pt-4"><a href="" target="_blank" class="Button Button--primary RateTableButton Button Button--primary w-full classy-md:w-auto mb-4" rel="noopener nofollow">See rates<svg viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" class="Button-icon Icon Icon--xs ml-2"><title>Arrow Right</title><path d="M20 12l-6.114 6-1.528-1.5 3.362-3.3H3v-2.4h12.72l-3.362-3.3L13.886 6 20 12z" class="arrow-right_svg__icon-base"></path></svg></a><p class="text-sm text-gray-700 mb-0">Apply on partner site</p></div></div><div class="pb-4 pt-4 sm:pb-0"><div class="flex justify-between"><div><div class="Tooltip" data-test="VerifiedLenderTooltip"><button class="Tooltip-trigger Button Button--bare" type="button" aria-expanded="false"><span class="Icon Icon--xs fill-blue-600 text-blue-600"><svg class="Icon-glyph" viewBox="0 0 16 16" fill="currentColor" focusable="false"><path fill-rule="evenodd" clip-rule="evenodd" d="M4.686 0 8 .785 11.313 0l1.789 2.898L16 4.686 15.215 8 16 11.314l-2.898 1.789L11.313 16l-3.229-.784L4.686 16l-1.789-2.897L0 11.314.784 8 0 4.686l2.897-1.788L4.686 0Zm5.731 2.165-1.98.467L8 2.736l-.437-.104-1.981-.467-1.069 1.731-.236.382-.382.236-1.732 1.068.469 1.981.103.437-.103.438-.469 1.981 1.732 1.068.382.236.236.382 1.073 1.738 2.071-.478.437-.1.438.106 1.89.459 1.064-1.725.236-.382.382-.236 1.732-1.068-.468-1.981L13.264 8l.104-.437.468-1.981-1.732-1.068-.382-.236-.236-.382-1.069-1.731ZM5.736 6.713l1.423 1.423 3.104-3.105 1.415 1.415-4.525 4.524-1.414-1.415.005-.005-1.422-1.423 1.414-1.414Z" class="icon-base" fill="currentColor"></path><title>Badge</title></svg></span><span class="sr-only">Hover to learn more about our Bankrate scores.</span><span class="text-sm border-b border-dotted border-blue-600 text-gray-700 ml-1 font-normal font-sans">Verified lender</span></button><div class="Tooltip-content Tooltip-content--anchorLeft hidden" id="scoreTooltip_:Rlhkm:" role="tooltip" aria-hidden="true"><div class="Tooltip-body font-medium"><div class="Tooltip-arrow"></div><p class="text-xs">This lender is registered in states where it does business and was vetted by the Bankrate Editorial team.</p></div></div></div></div><div><button type="button" class="Accordion-titleContainer p-0 bg-white hover:bg-white" aria-expanded="false"><h3 class="Accordion-title font-bold flex-none mr-2 my-0 text-base text-gray-900 hover:text-gray-900">See details</h3><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div></div><div class="Accordion-content p-0 mt-4 block pt-3 pb-0 md:pb-0 bg-white hidden" aria-hidden="false" data-toggle="content"><div class="bg-gray-100 py-4 px-5"><div class="flex items-center"><svg 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heading-letter-spacing">Expert Take:</span></div><div class="text-gray-700 mt-2 wysiwyg"><p>Autopay allows borrowers to prequalify for an auto loan which is the key to effective comparison shopping. It also serves as a marketplace, so borrowers also will be presented with several options following a singular application. </p></div></div><div class="mt-4 md:grid md:grid-cols-2 md:gap-6" id="seeDetailsContent_:Rlhkm:"><div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Known qualification requirements</span><div class="text-gray-700 wysiwyg"><ul><li>Unspecified</li></ul></div></div><div class="RateCard__seeDetails"><span class="font-bold text-gray-900">Fees</span><ul class="text-gray-700"><li>Origination fee</li></ul></div></div><div><div class="text-crop-none text-gray-700 RateCard__pros"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Pros</h4><ul data-testid="pros-section"><li>Ability to compare loans</li><li>Long loan terms</li><li>Cash-out refinancing available</li></ul></div><div class="text-crop-none text-gray-700 RateCard__cons"><h4 class="font-bold text-base pb-3 mb-4 border-b border-gray-400">Cons</h4><ul data-testid="cons-section"><li>Undisclosed maximum APR </li><li>Potential down payment required </li><li>Possible fees enforced</li></ul></div></div></div><div><button type="button" class="Accordion-titleContainer mt-2 p-0 bg-white hover:bg-white" aria-expanded="false"><span class="font-bold text-gray-900 mr-2">See disclosures</span><span class="Accordion-icon Icon Icon--xs text-blue-600"><svg class="Icon-glyph" focusable="false" width="18px" height="18px" viewBox="-1 -2 8 8" version="1.1" aria-hidden="true"><g stroke="none" stroke-width="1" fill="" fill-rule="evenodd"><g transform="translate(-134.000000, -43.000000)" fill=""><polygon points="134.707107 43 134 43.6965437 137.353553 47 140.707107 43.6965437 140 43 137.358734 45.6018093"></polygon></g></g></svg></span></button></div><div class="Accordion-content p-0 block bg-white hidden" aria-hidden="false" data-toggle="content"><div class="text-gray-700 text-xs wysiwyg mt-2" id="seeDisclosuresContent_seeDetailsContent_:Rlhkm:"><p>1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify & sign on-line. In our work we use the most modern and convenient solutions.</p></div></div></div></div></div></article></div></div></div></div></div></div></div></main></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"initValues":{"zip":"90210","termMonths":60,"creditScore":700,"loanPurpose":["auto_new","auto_refi","auto_used"],"source":"bankrate","page":"","sortBy":"rank","rank":0},"initialRates":[{"amount":{"min":8000,"max":120000,"override":"Starting at $8,000"},"apr":{"fixed":{"min":7.19}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"type","trackingUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","url":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]"},"editorial":{"cons":["Limited state availability","Online-only customer support","High minimum loan amount "],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["Flexible acceptance criteria ","Fast funding","Transparent rates"],"superlative":"myAutoLoan: Best for fair credit borrowers","expertTake":"\u003cp\u003eBorrowing from a loan aggregator is a surefire way to get the best way. One recognized in the space, myAutoLoan, will field offers following a single application so you can easily compare your options. \u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003cli\u003eHave a FICO credit score of at least 600\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $21,600 for a non-refinancing purchase\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $18,000 for auto refinancing\u003c/li\u003e\u003cli\u003eChoose a vehicle no more than 10 years old with under 125,000 miles\u003c/li\u003e\u003c/ul\u003e"},"id":423,"income":{"min":5000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/my auto loan.png","name":"MyAutoLoan","offerSource":"generic","review":{"score":"3.7","url":"https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/"},"uuid":"66046578-9bb1-457a-8f42-2936965f1aad","vertical":"auto"},"marketingDetails":["Auto Financing and Refinancing – Average Customers save up to $1900 and qualified customers receive up to 90 days with no payments.","myAutoloan.com auto finance and refinance marketplace allows you to shop and compare auto loans side by side online, anytime. When lenders compete, you win.","Auto Financing or Refinancing in 3 Easy Steps"],"minimumCreditRequired":{"personal":600},"loanPurpose":"auto_used","monetized":true,"productType":"rate","term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(38, 38, 38);\"\u003eSee partner disclosures: \u003c/span\u003e\u003ca style=\"background-color: rgb(255, 255, 255);\" rel=\"noopener noreferrer\" href=\"https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html\u0026amp;data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C\u0026amp;sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D\u0026amp;reserved=0\" target=\"_blank\"\u003ehttps://www.myautoloan.com/disclosure-section.html\u003c/a\u003e\u003c/p\u003e"},{"amount":{"min":8000,"max":120000,"override":"Starting at $8,000"},"apr":{"fixed":{"min":7.19}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"type","trackingUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","url":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]"},"editorial":{"cons":["Limited state availability","Online-only customer support","High minimum loan amount"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["Flexible acceptance criteria","Fast funding ","Transparent rates"],"superlative":"myAutoLoan: Best for fair credit borrowers","expertTake":"\u003cp\u003eBorrowing from a loan aggregator is a good way to get the best deal. You only need to fill out one application, and myAutoLoan will field offers from multiple lenders so you can easily compare your options.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003cli\u003eHave a FICO credit score of at least 600\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $21,600 for a non-refinancing purchase\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $18,000 for auto refinancing\u003c/li\u003e\u003cli\u003eChoose a vehicle no more than 10 years old with under 125,000 miles\u003c/li\u003e\u003c/ul\u003e"},"id":293,"income":{"min":5000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/my auto loan.png","name":"MyAutoLoan","offerSource":"generic","review":{"score":"3.7","url":"https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/"},"uuid":"66046578-9bb1-457a-8f42-2936965f1aad","vertical":"auto"},"marketingDetails":["Auto Financing and Refinancing – Average Customers save up to $1900 and qualified customers receive up to 90 days with no payments.","myAutoloan.com auto finance and refinance marketplace allows you to shop and compare auto loans side by side online, anytime. When lenders compete, you win.","Auto Financing or Refinancing in 3 Easy Steps"],"minimumCreditRequired":{"personal":600},"loanPurpose":"auto_new","monetized":true,"productType":"rate","term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(38, 38, 38);\"\u003eSee partner disclosures: \u003c/span\u003e\u003ca style=\"background-color: rgb(255, 255, 255);\" rel=\"noopener noreferrer\" href=\"https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html\u0026amp;data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C\u0026amp;sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D\u0026amp;reserved=0\" target=\"_blank\"\u003ehttps://www.myautoloan.com/disclosure-section.html\u003c/a\u003e\u003c/p\u003e"},{"amount":{"min":15000,"max":95000},"apr":{"fixed":{"min":6.39,"max":15.75}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.bankrate.com/loans/auto-loans/reviews/tenet/","subtext":"Read review on Bankrate"},"editorial":{"cons":["Only offers EV financing","High minimum loan amount","Limited state availability"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Not specified"],"pros":["Loan terms up to 84 months","Low maximum APR","Fully online experience"],"superlative":"Tenet: Best for specialized EV loans","expertTake":"\u003cp\u003eTenet specializes in electric vehicle (EV) and plug-in hybrid financing. This makes it a great choice if you’ve been wanting a more eco-friendly ride. Best of all, financing is available for borrowers with fair credit — a rare feature among lenders.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBattery electric or plug-in hybrid\u0026nbsp;\u003c/li\u003e\u003cli\u003e2014 model year or newer\u003c/li\u003e\u003cli\u003eLess than 100,000 miles\u003c/li\u003e\u003cli\u003eCredit score of 640\u003c/li\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eU.S. citizen or permanent resident\u003c/li\u003e\u003cli\u003eResident of Tenet’s serviced states\u003c/li\u003e\u003c/ul\u003e"},"id":556,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/tenet.png","name":"Tenet","offerSource":"generic","uuid":"dbe8799f-26cf-4919-a648-a5275a9f5c9d","vertical":"auto"},"loanPurpose":"auto_new","monetized":false,"productType":"rate","term":{"min":36,"max":84},"termsAndConditions":""},{"amount":{"min":15000,"max":150000},"apr":{"fixed":{"min":4.99,"max":14.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://gravitylending.com/bankrateoffers/?tracking_id=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"tracking_id","trackingUrl":"https://gravitylending.com/bankrateoffers/?tracking_id=[CLICK_ID]","url":"https://gravitylending.com/bankrateoffers/?tracking_id=[CLICK_ID]"},"editorial":{"cons":["Potential long funding timeline","Unknown maximum rate","Vehicle restrictions"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","eligibilityRequirements":["Minimum loan balance of $10,000 "],"feeTypes":["None"],"pros":["Ability to add or remove co-borrowers","Loan officer customer support ","No origination fees"],"superlative":"Gravity Lending: Best for no fees","expertTake":"\u003cp\u003eRefinancing your auto loan through a marketplace can help you find the right lender. Gravity offers a side-by-side comparison and stands out for its lack of origination fees — although a lender in its network might charge one when you refinance.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eMinimum loan balance of $10,000\u0026nbsp;\u003c/li\u003e\u003c/ul\u003e"},"id":289,"income":{"min":2500},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Gravity Lending.png","name":"Gravity Lending","offerSource":"generic","review":{"score":"4.0","url":"https://www.bankrate.com/loans/auto-loans/reviews/gravity/"},"uuid":"e3bffdc2-fe22-46dd-9197-60dc64cb62ec","vertical":"auto"},"marketingDetails":["Refinance, lease buyout, and cashout refi available","Save hundreds by skipping costly admin and loan processing fees","E-sign your documents from anywhere, effortlessly"],"minimumCreditRequired":{"personal":640},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":1,"term":{"min":36,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(38, 38, 38);\"\u003e*When comparing identical loans offers at the same term length, principal balance, and interest rate, a loan without a fee will have a lower total payback compared to a loan where a fee is assessed.\u0026nbsp;Gravity Lending does not assess a fee to the borrower for any of our products or services. When comparing 2 loans with the same buy rate, principal balance, and term length, a loan with a marked up rate will cost the borrower more.\u0026nbsp;Gravity\u0026nbsp;Lending does not mark up rates offered to consumers from our lender partners.\u0026nbsp;Gravity\u0026nbsp;Lending processes loans on behalf of the lenders for the benefit of the customer. **Monthly and Total Savings: Average monthly payment and total interest savings shown were calculated from all funded loans in 2022. Payment is a calculation of the approved interest rate, selected term, and amount financed. Your actual savings may differ, more or less, depending on a combination of the rate approved, the term selected, and the total amount financed. ***\u0026nbsp;Gravity\u0026nbsp;Lending has the highest average satisfaction scores, at a 4.97 average review score, across the following platforms: Better Business Bureau, Google, TrustPilot, Lending Tree, Consumer Affairs, and Wallethub. You are not required, encouraged, guaranteed the option to skip a payment. Generally, auto loans have a grace period of 30-45 days to contract a first payment. Many lenders in the\u0026nbsp;Gravity\u0026nbsp;Lending network offer up to 90 days from the contract date before a first payment is required.\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":5000,"max":45000},"apr":{"override":"Varies by lender"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]","url":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]"},"editorial":{"cons":["High minimum loan amount","Limited information available online","Unclear rates and fees"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Unspecified"],"pros":["Low minimum income requirement","Accepts co-signers","Works with bad credit borrowers"],"superlative":"Auto Credit Express: Best for low-income borrowers","expertTake":"\u003cp\u003eAuto Credit Express is a service that matches borrowers with lenders. It specifically works with people who have poor credit and low incomes — as little as $1,500 per month. The lenders in its network accept co-signers, which is a good benefit if you’re on the lower end of the credit spectrum.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eMonthly income of $1,500 to $2,000\u003c/li\u003e\u003cli\u003eFull-time employment or fixed income\u003c/li\u003e\u003cli\u003eValid driver’s license\u003c/li\u003e\u003cli\u003eProof of insurance\u003c/li\u003e\u003cli\u003eResident of the U.S. or Canada\u003c/li\u003e\u003cli\u003e10% down payment\u003c/li\u003e\u003c/ul\u003e"},"id":109,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Auto Credit Express.png","name":"Auto Credit Express","offerSource":"generic","review":{"score":"3.6","url":"https://www.bankrate.com/loans/auto-loans/reviews/auto-credit-express/"},"uuid":"a20a9376-1796-4b1f-9be3-a4446ca7aa4c","vertical":"auto"},"marketingDetails":["Network of dealer partners has closed $1 billion in bad credit auto loans","Specializes in bad credit, no credit, bankruptcy and reposession","In business since 1999","Easy, 30-second pre-qualification form","Bad credit applicants must have $2000/month income to qualify"],"loanPurpose":"auto_new","monetized":true,"productType":"rate","rank":1,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003eAll loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms \u0026amp; conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. \"APR as low as\" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.\u003c/p\u003e"},{"amount":{"min":5000,"max":150000},"apr":{"fixed":{"min":4.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://og.services.apex.prod.autopay.com/api/2.0/lead/inbound/organization/BANKRATE/channel/BANKRATE_LINK/event/LEAD_REFERRED_FOR_REDIRECT/version/1.0.0?partnerUniqueIdentifier=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"partnerUniqueIdentifier","trackingUrl":"https://og.services.apex.prod.autopay.com/api/2.0/lead/inbound/organization/BANKRATE/channel/BANKRATE_LINK/event/LEAD_REFERRED_FOR_REDIRECT/version/1.0.0?partnerUniqueIdentifier=[CLICK_ID]","url":"https://og.services.apex.prod.autopay.com/api/2.0/lead/inbound/organization/BANKRATE/channel/BANKRATE_LINK/event/LEAD_REFERRED_FOR_REDIRECT/version/1.0.0?partnerUniqueIdentifier=[CLICK_ID]"},"editorial":{"cons":["Lowest APR only for excellent credit borrowers","Unspecified credit requirements","Possible down payment"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Origination fee"],"pros":["Large network of lenders","Co-applicants allowed","Ability to compare multiple loans"],"superlative":"Autopay: Bankrate award winner for best auto loan online lender ","expertTake":"\u003cp\u003eAutopay offers both traditional and cash-out refinancing to borrowers. It has a large marketplace and works with a range of lenders which can also help borrowers find a good fit. \u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eVehicle no more than 10 years old\u003c/li\u003e\u003cli\u003eVehicle under 150,000 miles\u003c/li\u003e\u003cli\u003e580 credit score\u0026nbsp;\u003c/li\u003e\u003c/ul\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},"id":220,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Autopay.png","name":"Autopay","offerSource":"generic","review":{"score":"4.2","url":"https://www.bankrate.com/loans/auto-loans/reviews/autopay/"},"uuid":"db99e775-7a53-4188-9a4e-45eff3ade4cd","vertical":"auto"},"marketingDetails":["Rates as low as 4.67%","BBB rating of A+!","Don't pay for 45 days"],"minimumCreditRequired":{"personal":580},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":2,"term":{"min":12,"max":96},"termsAndConditions":"\u003cp\u003e1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify \u0026amp; sign on-line. In our work we use the most modern and convenient solutions.\u003c/p\u003e"},{"amount":{"min":10000,"max":150000},"apr":{"fixed":{"min":5.29,"max":24.99}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://atoprv.com/?a=34\u0026c=38\u0026s1=\u0026subId=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subId","trackingUrl":"https://atoprv.com/?a=34\u0026c=38\u0026s1=\u0026subId=[CLICK_ID]","url":"https://atoprv.com/?a=34\u0026c=38\u0026s1=\u0026subId=[CLICK_ID]"},"editorial":{"cons":["Undisclosed lenders in network ","High minimum loan amount","Funding timelines vary"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Potential documentation fee"],"pros":["Vehicle add-ons","Personalized customer support ","Joint applications "],"superlative":"Auto Approve: Best for loan comparison","expertTake":"\u003cp\u003eAuto Approve matches you directly with lenders and handles the DMV paperwork for both refinancing and lease buyouts. In fact, it is one of the few options to quickly compare lease buyouts. This makes Auto Approve a useful tool if you’re struggling to find a lender to finance buying your leased car.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eCredit score of 620\u003c/li\u003e\u003c/ul\u003e"},"id":383,"income":{"min":24000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Auto Approve.png","name":"Auto Approve","offerSource":"generic","review":{"score":"4.0","url":"https://www.bankrate.com/loans/auto-loans/reviews/auto-approve/"},"uuid":"510c03e9-8faf-4eed-ae56-cd50e654733e","vertical":"auto"},"marketingDetails":["Skip up to 3 car payments!","Average savings of $138 per month","National lending network with competitive rates","$0 out-of-pocket cost"],"minimumCreditRequired":{"personal":620},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":3,"term":{"min":12,"max":84},"termsAndConditions":"\u003cp\u003e\u003cem\u003e*APR and Fees Disclosure: Auto Approve works with lenders to find you the best Annual Percentage Rate (APR), which is based on factors like your credit history, vehicle and desired payment terms. Fees to complete your loan refinance vary by state and lender; they generally include admin fees, doc fees, DMV and title. Advertised 5.29% APR based on: 2019 model year or newer vehicle, 730 minimum FICO credit score, and loan term up to 72 months. All loans subject to credit and lender approval.\u003c/em\u003e\u003c/p\u003e"},{"amount":{"min":5000,"max":120000},"apr":{"fixed":{"min":5.47}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"type","trackingUrl":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]","url":"https://www.myautoloan.com/partner/redventures.html?type=[CLICK_ID]"},"editorial":{"cons":["Not available in all states ","Large minimum amount","Some vehicle restrictions"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["Low minimum credit requirement ","Speedy funding","Rates updated online"],"superlative":"myAutoLoan: Best for comparing rates with good credit","expertTake":"\u003cp\u003eUsing a loan marketplace is a great way to approach refinancing. With a low minimum credit score requirement, myAutoLoan is a better comparison option for those who don't have perfect credit.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe at least 18 years old\u003c/li\u003e\u003cli\u003eHave a FICO credit score of at least 600\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $21,600 for a nonrefinancing purchase\u003c/li\u003e\u003cli\u003eHave gross annual earnings of at least $18,000 for auto refinancing\u003c/li\u003e\u003cli\u003eChoose a vehicle no more than 10 years old with under 125,000 miles\u003c/li\u003e\u003c/ul\u003e"},"id":422,"income":{"min":5000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/my auto loan.png","name":"MyAutoLoan","offerSource":"generic","review":{"score":"3.7","url":"https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/"},"uuid":"66046578-9bb1-457a-8f42-2936965f1aad","vertical":"auto"},"marketingDetails":["Auto Financing and Refinancing – Average Customers save up to $1900 and qualified customers receive up to 90 days with no payments.","myAutoloan.com auto finance and refinance marketplace allows you to shop and compare auto loans side by side online, anytime. When lenders compete, you win.","Auto Financing or Refinancing in 3 Easy Steps"],"minimumCreditRequired":{"personal":600},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":4,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(38, 38, 38);\"\u003eSee partner disclosures: \u003c/span\u003e\u003ca style=\"background-color: rgb(255, 255, 255);\" rel=\"noopener noreferrer\" href=\"https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.myautoloan.com%2Fdisclosure-section.html\u0026amp;data=05%7C02%7Ctandreini%40redventures.com%7Cd14237cef6ee42c33f4c08dc1b5f5dc0%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C638415343663141987%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C\u0026amp;sdata=kYoKZgDWFv9Fhe0i6OrQTU0nEjnm1EB5CSpPUXDBpHg%3D\u0026amp;reserved=0\" target=\"_blank\"\u003ehttps://www.myautoloan.com/disclosure-section.html\u003c/a\u003e\u003c/p\u003e"},{"amount":{"min":5000,"max":125000},"apr":{"fixed":{"min":5.48,"max":28.55}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://imp.i136221.net/c/353874/1349057/11405?subId1=[CLICK_ID]\u0026u=http%3A%2F%2Fwelcome.caribou.com%2Fbankrate%2F\u0026partnerpropertyid=348777","subtext":"Apply on partner site","trackingParameter":"subId1","trackingUrl":"https://imp.i136221.net/c/353874/1349057/11405?subId1=[CLICK_ID]\u0026u=http%3A%2F%2Fwelcome.caribou.com%2Fbankrate%2F\u0026partnerpropertyid=348777","url":"https://imp.i136221.net/c/353874/1349057/11405?subId1=[CLICK_ID]\u0026u=http%3A%2F%2Fwelcome.caribou.com%2Fbankrate%2F\u0026partnerpropertyid=348777"},"editorial":{"cons":["Not available in all states","Processing fees","High minimum loan amount"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["$499 processing fee"],"pros":["Customer service available seven days a week","Insurance bundling option","Prequalification offered"],"superlative":"Caribou: Best for fair credit loan comparison","expertTake":"\u003cp\u003eCaribou helps borrowers refinance their current loans with the intent of getting better rates or terms. Following an application, borrowers will get access to multiple offers, which will help ensure they find the right new loan for their needs.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eCredit score of 640\u003c/li\u003e\u003cli\u003eMinimum monthly income of $2,000\u003c/li\u003e\u003cli\u003ePositive vehicle equity\u0026nbsp;\u003c/li\u003e\u003cli\u003eNo more than 120,000 on vehicle\u0026nbsp;\u003c/li\u003e\u003cli\u003eNon-commercial vehicles only\u003c/li\u003e\u003c/ul\u003e"},"id":172,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Caribou.png","name":"Caribou","offerSource":"generic","review":{"score":"4.5","url":"https://www.bankrate.com/loans/auto-loans/reviews/caribou/"},"uuid":"bcd19f36-4535-404b-b65e-8ba5f9ca5e1e","vertical":"auto"},"marketingDetails":["Rates as low as 5.48% APR","Customers reduce their APR by an average of 3.66%","No impact to your credit score"],"minimumCreditRequired":{"personal":640},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":5,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003eAPR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available for a 36 month term, to borrowers with excellent credit. Conditions apply. Advertised rates and fees are valid as of 9/11/24 and are subject to change without notice.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e"},{"amount":{"min":5000,"max":45000},"apr":{"override":"Varies by lender"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]","url":"https://www.autocreditexpress.com/apply/lpgs/brclc718/?affid=ap002781\u0026subid=[CLICK_ID]"},"editorial":{"cons":["High minimum loan amount","Limited information available online","Unclear rates and fees"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Unspecified"],"pros":["Low minimum income requirement","Accepts co-signers","Works with bad credit borrowers"],"superlative":"Auto Credit Express: Best for low-income borrowers","expertTake":"\u003cp\u003eAuto Credit Express is a service that matches borrowers with lenders. It specifically works with people who have poor credit and low incomes — as little as $1,500 per month. The lenders in its network accept co-signers, which is a good benefit if you’re on the lower end of the credit spectrum.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eAt least 18 years old\u003c/li\u003e\u003cli\u003eMonthly income of $1,500 to $2,000\u003c/li\u003e\u003cli\u003eFull-time employment or fixed income\u003c/li\u003e\u003cli\u003eValid driver’s license\u003c/li\u003e\u003cli\u003eProof of insurance\u003c/li\u003e\u003cli\u003eResident of the U.S. or Canada\u003c/li\u003e\u003cli\u003e10% down payment\u003c/li\u003e\u003c/ul\u003e"},"id":108,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Auto Credit Express.png","name":"Auto Credit Express","offerSource":"generic","review":{"score":"3.6","url":"https://www.bankrate.com/loans/auto-loans/reviews/auto-credit-express/"},"uuid":"a20a9376-1796-4b1f-9be3-a4446ca7aa4c","vertical":"auto"},"marketingDetails":["Network of dealer partners has closed $1 billion in bad credit auto loans","Specializes in bad credit, no credit, bankruptcy and reposession","In business since 1999","Easy, 30-second pre-qualification form","Bad credit applicants must have $2000/month income to qualify"],"minimumCreditRequired":{"personal":525},"loanPurpose":"auto_used","monetized":true,"productType":"rate","rank":5,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003eAll loans are subject to credit and underwriting approval. The programs advertised on this landing page are not a commitment or guarantee from its lender partners to lend. Programs, rates and other terms \u0026amp; conditions on this landing page are subject to change without notice. *APR = Annual Percentage Rate. \"APR as low as\" is based on the lowest interest rate received by a customer (with a credit score above 750) from one of our participating lenders within the last 3 months. APR is based on the lender’s lowest available rate for qualified applicants. Lowest APR is subject to change. Final APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. Rate quoted is the lowest APR for qualified applicants, and is subject to vehicle value and loan term.\u003c/p\u003e"},{"amount":{"min":25000,"max":250000},"apr":{"override":"Not Specified"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.carsdirect.com/buildyourcar/lpnew-br?src=1100242\u0026lnk=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"lnk","trackingUrl":"https://www.carsdirect.com/buildyourcar/lpnew-br?src=1100242\u0026lnk=[CLICK_ID]","url":"https://www.carsdirect.com/buildyourcar/lpnew-br?src=1100242\u0026lnk=[CLICK_ID]"},"editorial":{"cons":["Does not directly provide financing","Unknown rates and terms","Network dealership required"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None but potential fees from the matched lender"],"pros":["Fit for borrowers with no credit ","Online car buying network","Large lender network "],"superlative":"Cars Direct: Best for poor credit borrowers","expertTake":"\u003cp\u003eCars Direct is not a direct lender, but instead an online network of lenders. It works with a wide range of lenders, making it a great fit for borrowers with less-than-perfect credit. It even has an online car-buying platform for those who want to shop and finance in one place.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eNot specified\u003c/li\u003e\u003c/ul\u003e"},"id":110,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/CarsDirect.png","name":"CarsDirect","offerSource":"generic","review":{"score":"3.6","url":"https://www.bankrate.com/loans/auto-loans/reviews/carsdirect/"},"uuid":"d10daa81-729a-4bba-9a13-c1ae753b6492","vertical":"auto"},"marketingDetails":["Rates as low as 0% on select cars, trucks and SUVs","Free Online Quotes - Get Your CarsDirect Target Price Today","Local dealers compete to provide the best rates for both new and used vehicles"],"minimumCreditRequired":{"personal":700},"loanPurpose":"auto_new","monetized":true,"productType":"rate","rank":6,"term":{"min":24,"max":72}},{"amount":{"min":5000,"max":100000},"apr":{"fixed":{"min":7.49,"max":15.44},"subtext":"* with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.lightstream.com/?fact=20250\u0026subid=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://www.lightstream.com/?fact=20250\u0026subid=[CLICK_ID]","url":"https://www.lightstream.com/?fact=20250\u0026subid=[CLICK_ID]"},"editorial":{"cons":["Unsecured loans","Must refinance at least $5,000","No prequalification"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["Fast funding","Mobile application available","High loan amount"],"superlative":"LightStream: Best for fast funding","expertTake":"\u003cp\u003eIf you have strong credit and are looking to secure immediate refi funds with no fees, LightStream is a great option.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eGood to excellent credit scores\u003c/li\u003e\u003c/ul\u003e"},"id":127,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LightStream.png","name":"LightStream","offerSource":"generic","review":{"score":"4.2","url":"https://www.bankrate.com/loans/auto-loans/reviews/lightstream/"},"uuid":"339e1c3f-697c-469e-98ef-be9f725f5551","vertical":"auto"},"marketingDetails":["No appraisal, or restrictions on vehicle age or mileage","Be a cash buyer and get any car you want","Loans from $5,000 - $100,000","Same-day funding available (conditions apply)","We guarantee your best funded loan experience ever"],"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":8,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003e*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.49% APR with a term of 3 years would result in 36 monthly payments of $320.28. \u003c/span\u003e\u003cspan style=\"color: black; background-color: transparent;\"\u003e\u003cimg width=\"20\" height=\"13\" src=\"//:0\"\u003e\u003c/span\u003e\u003cspan style=\"color: black;\"\u003e\u0026nbsp;Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.\u003c/span\u003e\u003c/p\u003e"},{"amount":{"min":5000,"max":150000},"apr":{"fixed":{"min":5.29,"max":21.99},"override":"Not specified"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://refinancemycar.refijet.com/partner/bankrate?subid=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://refinancemycar.refijet.com/partner/bankrate?subid=[CLICK_ID]","url":"https://refinancemycar.refijet.com/partner/bankrate?subid=[CLICK_ID]"},"editorial":{"cons":["Vehicle restrictions","Long funding timeline","Application not fully online "],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["$395 processing fee","Potential origination fee"],"pros":["Customer support ","Cash-out refinancing available","Prequalification available"],"superlative":"RefiJet: Best for customer support","expertTake":"\u003cp\u003eFor those who are looking for extra guidance throughout the refinance process, RefiJet is a strong option. Borrowers are matched with an experienced financial advisor for help throughout the entire experience.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eBe at least 18 years of age\u003c/li\u003e\u003cli\u003eBe employed or have a steady, verifiable source of income\u0026nbsp;\u003c/li\u003e\u003cli\u003eFull coverage insurance on your vehicle\u0026nbsp;\u003c/li\u003e\u003cli\u003eValid vehicle registration and driver’s license\u0026nbsp;\u003c/li\u003e\u003cli\u003eBe current on your auto loan payments\u0026nbsp;\u003c/li\u003e\u003cli\u003eVehicle is no more than 10 years old\u0026nbsp;\u003c/li\u003e\u003cli\u003eVehicle has fewer than 150,000 miles on it\u003c/li\u003e\u003c/ul\u003e"},"id":105,"income":{"min":2000},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/RefiJet_Classic_HighResolution.png","name":"RefiJet","offerSource":"generic","review":{"score":"3.9","url":"https://www.bankrate.com/loans/auto-loans/reviews/refijet/"},"uuid":"938a331a-f1e1-4183-8e31-cf963e8f7253","vertical":"auto"},"marketingDetails":["Lower Your Monthly Payment- $150 Avg.","Reduce Your Interest Rate","Take a Vacation from Your Loan Payment"],"minimumCreditRequired":{"personal":580},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":9,"term":{"min":24,"max":96},"termsAndConditions":"RefiJet is an auto-refinance company the specializes in offering personalized help and support to find consumers the best auto refinance loan for which they qualify. RefiJet partners with a national network of leading financial institutions and delivers quick quotes at competitive rates. RefiJet has auto refinance solutions for you to: \n\n\u003cul\u003e\n\u003cli\u003eLower your monthly payment- $150 Average Monthly Savings*\u003c/li\u003e\n\u003cli\u003eReduce your interest rate\u003c/li\u003e\n\u003cli\u003eMinimize risk with Guaranteed Asset Protection \u003c/li\u003e\n\u003cli\u003eProtect your vehicle with an Extended Service Contract\u003c/li\u003e\n\u003c/ul\u003e \n\nPre-qualify for a refinance auto loan in minutes with no impact to your credit score\n"},{"amount":{"min":5000,"max":150000},"apr":{"fixed":{"min":5.94,"max":18.79}},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://save.ilendingcarloanrefinancing.com/redventures/?partner_name=redventures(P)\u0026secondary_source=CallNow\u0026utm_medium=Redventures\u0026loanapplicationid=","subtext":"Apply on partner site","trackingParameter":"loanapplicationid","trackingUrl":"https://save.ilendingcarloanrefinancing.com/redventures/?partner_name=redventures(P)\u0026secondary_source=CallNow\u0026utm_medium=Redventures\u0026loanapplicationid=","url":"https://save.ilendingcarloanrefinancing.com/redventures/?partner_name=redventures(P)\u0026secondary_source=CallNow\u0026utm_medium=Redventures\u0026loanapplicationid="},"editorial":{"cons":["Unspecified fee amounts","No new/used auto loans","Online only experience"],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["Administration fees","Documentation fees"],"pros":["Low minimum credit score","Vehicle repayment protection","Customer service"],"superlative":"iLending: Best for poor credit refinancing","expertTake":"\u003cp\u003eQualifying for an improved auto loan rate through refinancing can be challenging for those with less-than-perfect credit. iLending caters specifically to those with poor credit, and its easy online application makes it a good option for a range of borrowers.\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eDebt-to-income (DTI) ratio of at least 55 percent\u003c/li\u003e\u003cli\u003eIncome of at least $24,000 per year\u003c/li\u003e\u003cli\u003eMinimum credit score of 560 in most states, as low as 510 in some\u003c/li\u003e\u003cli\u003eNo repossessions in the last five years or foreclosures in the last two\u003c/li\u003e\u003cli\u003eNo bankruptcies filed in the last year or discharged/dismissed in the last 36 months\u003c/li\u003e\u003cli\u003eRemaining loan balance of at least 12 months\u003c/li\u003e\u003cli\u003eVehicle model of 2013 or newer\u003c/li\u003e\u003cli\u003eLess than 150,000 miles on vehicle\u003c/li\u003e\u003c/ul\u003e"},"id":256,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/iLending.png","name":"iLending","offerSource":"generic","review":{"score":"4.4","url":"https://www.bankrate.com/loans/auto-loans/reviews/ilending/"},"uuid":"ed8a0540-63fd-40d2-ab2f-06805710745d","vertical":"auto"},"marketingDetails":["Average monthly savings of $132","Chance to skip a payment up to 90 days"],"minimumCreditRequired":{"personal":560},"loanPurpose":"auto_refi","monetized":true,"productType":"rate","rank":10,"term":{"min":24,"max":96}},{"amount":{"min":8000,"max":100000},"apr":{"fixed":{"min":7.24,"max":15.19},"subtext":"* with AutoPay"},"business":{"personalGuarantee":false},"destination":{"lenderUrl":"https://www.lightstream.com/?fact=20251\u0026subid=[CLICK_ID]","subtext":"Apply on partner site","trackingParameter":"subid","trackingUrl":"https://www.lightstream.com/?fact=20251\u0026subid=[CLICK_ID]","url":"https://www.lightstream.com/?fact=20251\u0026subid=[CLICK_ID]"},"editorial":{"cons":["Unsecured loan ","Good to excellent credit required ","No prequalification offered "],"consumerInfo":"\u003cp\u003eundefined\u003c/p\u003e","feeTypes":["None"],"pros":["Quick funding","High maximum loan amount ","Wide range of repayment options "],"superlative":"Lightstream: Best overall auto loan","expertTake":"\u003cp\u003eLightStream is one of the most recognized online lenders in the auto loan space. It provides unsecured loans, which means borrowers receive funding directly without providing the vehicle as collateral. This results in fast funding, which is perfect for those who are looking to finance as soon as possible.\u003c/p\u003e\u003cp\u003e\u003cbr\u003e\u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eCredit score of 660\u003c/li\u003e\u003c/ul\u003e"},"id":132,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/LightStream.png","name":"LightStream","offerSource":"generic","review":{"score":"4.2","url":"https://www.bankrate.com/loans/auto-loans/reviews/lightstream/"},"uuid":"339e1c3f-697c-469e-98ef-be9f725f5551","vertical":"auto"},"marketingDetails":["No appraisal, or restrictions on vehicle age or mileage","Be a cash buyer and get any car you want","Loans from $5,000 - $100,000","Same-day funding available (conditions apply)","We guarantee your best funded loan experience ever"],"loanPurpose":"auto_used","monetized":true,"productType":"rate","rank":10,"term":{"min":24,"max":84},"termsAndConditions":"\u003cp\u003e\u003cspan style=\"color: rgb(0, 0, 0); background-color: transparent;\"\u003e*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.49% APR with a term of 3 years would result in 36 monthly payments of $320.28. \u003c/span\u003e\u003cspan style=\"color: black; background-color: transparent;\"\u003e\u003cimg width=\"20\" height=\"13\" src=\"//:0\"\u003e\u003c/span\u003e\u003cspan style=\"color: black;\"\u003e\u0026nbsp;Truist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. 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It also serves as a marketplace, so borrowers also will be presented with several options following a singular application. \u003c/p\u003e","howToQualify":"\u003cul\u003e\u003cli\u003eUnspecified\u003c/li\u003e\u003c/ul\u003e"},"id":230,"income":{"min":0},"lender":{"logo":"https://www.bankrate.com/static/loans/logos/Autopay.png","name":"Autopay","offerSource":"generic","review":{"score":"4.2","url":"https://www.bankrate.com/loans/auto-loans/reviews/autopay/"},"uuid":"db99e775-7a53-4188-9a4e-45eff3ade4cd","vertical":"auto"},"marketingDetails":["Rates as low as 4.67%","BBB rating of A+!","Don't pay for 45 days"],"minimumCreditRequired":{"personal":580},"loanPurpose":"auto_new","monetized":true,"productType":"rate","rank":15,"term":{"min":12,"max":96},"termsAndConditions":"\u003cp\u003e1. See Your Savings. Working with a national network of lenders, we saved our average customer over $1,118 last year. 2. Shop Rates. Customize the loan that is right for you, and lock in your new rate and payment that is right for you on your terms. 3. Verify \u0026amp; sign on-line. In our work we use the most modern and convenient solutions.\u003c/p\u003e"}],"enableAboveFoldv2":false},"__N_SSP":true},"page":"/auto-loans","query":{"termMonths":"60","cohesion":"false","creditScore":"700","loanPurpose":"[\"auto_new\",\"auto_refi\",\"auto_used\"]"},"buildId":"_TOcKJWP-Eh4lU1JL4HvX","assetPrefix":"https://www.bankrate.com/static/loans/rate-tables/rate-tables-next-1.268.0","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script></div> <div id="why-bankrate" class="why-choose-bankrate lg:display-grid lg:grid-cols-2 gap-4 m-2"> <div class="w-full md:col-span-1 col-span-1 text-center lg:text-left lg:pr-6 mb-3 md:mb-0 ml-0 mt-10 md:mt-14"> <h2 class="type-heading-three font-bold mb-3"> Why choose Bankrate?</h2> <div class="text-slate"> <div class="wysiwyg display-block w-full"> <p>Backed by over 40 years of experience, our team at Bankrate strives to help you make the right decisions for any financial situation.</p></div> </div> </div> <div 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14.7643C8.82698 14.4283 8.66305 14.043 8.32698 13.9119L5.94174 12.9692C5.60567 12.8381 5.22043 13.002 5.08928 13.3381C4.95813 13.6742 5.12206 14.0594 5.45813 14.1906L7.84338 15.1332ZM7.84338 10.2151C7.91715 10.2479 7.99911 10.2643 8.08108 10.2643H8.08928C8.34338 10.2643 8.59747 10.1004 8.69584 9.8463C8.82698 9.51023 8.66305 9.12498 8.32698 8.99384L5.94174 8.05121C5.60567 7.92007 5.22043 8.084 5.08928 8.42007C4.95813 8.75613 5.12206 9.14138 5.45813 9.27253L7.84338 10.2151Z" class="icon-base"></path> <title>Book</title> </svg> <h3 class="text-lg type-heading-four font-bold mb-3"> No outside influence</h3> <div class="text-slate text-sm"> <div class="wysiwyg display-block w-full"> <div>We <a class="Link" href="https://www.bankrate.com/editorial-guidelines/" target="_blank" rel="noopener">uphold editorial integrity</a> by providing the information that is best for our readers and their wallets, not ours. Our staff writers have a wide range of experience, education and certifications to give you unbiased information you need to make important borrowing decisions.</div></div> </div> </div> </div> </div> <div class="TwoColumnLayout TwoColumnLayout--reversed gap-y-2"> <div class="TwoColumnLayout-aside SectionWithToc-toc" > <div class="TableOfContents TOC-track" x-data> <nav aria-label="Content on this page" class="TableOfContents-sidebar display-none md:display-block TOC-container"> <p class="TableOfContents-heading type-heading-six uppercase display-block"> On This Page</p> <ul class="TableOfContents-list List"> <li class=""> <a class="TableOfContents-link" href="#compare" data-toc-jumpto="#compare" data-beam-element-clicked-no-delay data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Compare auto loan rates" data-position="1" data-text="Compare auto loan rates" data-outcome="INTERNALLINK" > <span class="TableOfContents-linkText">Compare auto loan rates</span> </a> </li> <li 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data-text="TOC-NEXT" data-outcome="INTERNALLINK" > <span>Next</span> </button> </div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="TocModal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div></div> <div class="TwoColumnLayout-main SectionWithToc-body gap-y-2 " data-e2e-monitor=SectionWithToc-body> <div id="compare" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2 id="compare" dir="ltr"><span style="font-size: 2.25rem; letter-spacing: -0.021875rem;">Compare auto loan rates in</span> November 2024</h2> <p>Make use of this table to better understand the offerings of Bankrate’s top lenders. Depending on what type of loan you are considering and where your credit stands explore bad credit and refinance rates as well. Skim the details while keeping your credit score and funding needs top of mind,</p> <p>Loan details presented here are current as of publication. Check the lenders’ websites for more current information. The auto loan lenders listed here are selected based on factors such as APR, loan amounts, fees, credit requirements and more.</p></div> <div id="tabs-v3-df55e219-8aac-4e5e-a129-f74da650e975" class="TabsV3" x-data="{ selectedId: null, init() { // Set the first available tab on the page on page load. this.$nextTick(() => this.select(this.$id('tab', 1))) }, select(id) { this.selectedId = id }, isSelected(id) { return this.selectedId === id }, whichChild(el, parent) { return Array.from(parent.children).indexOf(el) + 1 } }" x-id="['tab']"> <div class="sm:gutter"> <div class="wrapper" style=""> <div class="TabsV3-select FormControl"> <select aria-label="Select your option" class="FormSelect normal-case" x-model="selectedId" @change="() => $el.dataset.text = $el.options[$el.selectedIndex].text"> <option :value="$id('tab', 1)"> Auto Loan Rates</option> <option :value="$id('tab', 2)"> Bad Credit Auto Loan Rates</option> <option :value="$id('tab', 3)"> Auto Loan Refinance Rates</option> </select> <svg class="FormSelect-arrow Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></div> <ul class="TabsV3-nav full-width display-none md:display-flex" x-ref="tablist" @keydown.right.prevent.stop="$focus.wrap().next()" @keydown.home.prevent.stop="$focus.first()" @keydown.page-up.prevent.stop="$focus.first()" @keydown.left.prevent.stop="$focus.wrap().prev()" @keydown.end.prevent.stop="$focus.last()" @keydown.page-down.prevent.stop="$focus.last()" role="tablist"> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Auto Loan Rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Bad Credit Auto Loan Rates</button> </li> <li class="TabsV3-item pb-0" role="presentation"> <button :id="$id('tab', whichChild($el.parentElement, $refs.tablist))" @click="select($el.id);" @mousedown.prevent @focus="select($el.id)" type="button" :tabindex="isSelected($el.id) ? 0 : -1" :aria-selected="isSelected($el.id)" :class="isSelected($el.id) ? 'is-active' : ''" role="tab" class="TabsV3-button flex-direction-row" > Auto Loan Refinance Rates</button> </li> </ul> </div> </div> <div class="TabsV3-content mt-5 TabsV3-content-noscript sm:gutter" x-cloak> <noscript><style> .TabsV3-content-noscript {display: block!important;} </style></noscript> <div class="wrapper"> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div x-data="table({ containerId: 'e34577a6-0e52-4a65-a33d-0ca20b1d58ea', tableId: 'table-e34577a6-0e52-4a65-a33d-0ca20b1d58ea', buttonId: 'button-e34577a6-0e52-4a65-a33d-0ca20b1d58ea', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="e34577a6-0e52-4a65-a33d-0ca20b1d58ea" class="table-container" tabindex="0"> <table id="table-e34577a6-0e52-4a65-a33d-0ca20b1d58ea" class="Table table-content "> <thead> <tr> <th class="text-left"> Lender</th> <th class="text-right"> Current APR</th> <th class="text-right"> Term</th> <th class="text-right"> Loan Amount</th> <th class="text-right"> Best for</th> </tr> </thead> <tbody> <tr id="90d6ebe5-ead8-434c-b17f-36c8449d70d6" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/" target="_blank">Autopay</a></td> <td data-col="2" class="text-right"> Starting at 4.99%</td> <td data-col="3" class="text-right"> 12-96 months</td> <td data-col="4" class="text-right"> $8,000-$120,000</td> <td data-col="5" class="text-right"> Bankrate award winner for best auto loan online lender</td> </tr> <tr id="4e3a0b7f-3131-4108-86f9-d6cf22b9b7b9" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/" target="_blank">myAutoLoan</a></td> <td data-col="2" class="text-right"> Starting at 7.15% </td> <td data-col="3" class="text-right"> 24-84 months</td> <td data-col="4" class="text-right"> Starting at $8,000</td> <td data-col="5" class="text-right"> Shopping for multiple loan offers</td> </tr> <tr id="f3deabd6-85fa-4c62-9807-273fca5e401c" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/" target="_blank">LightStream</a></td> <td data-col="2" class="text-right"> 7.24%-15.19%* with AutoPay </td> <td data-col="3" class="text-right"> 24-84 months</td> <td data-col="4" class="text-right"> $5,000-$100,000</td> <td data-col="5" class="text-right"> Overall auto loan</td> </tr> <tr id="04f5c77f-6989-4dea-93fd-eaf47890d35b" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/bank-of-america/" target="_blank">Bank of America</a></td> <td data-col="2" class="text-right"> Starting at 5.34% </td> <td data-col="3" class="text-right"> 48-72 months</td> <td data-col="4" class="text-right"> Starting at $7,500</td> <td data-col="5" class="text-right"> Big bank option</td> </tr> <tr id="36a42ccf-8631-4a15-8c05-5a589bd8913d" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/capital-one/" target="_blank">Capital One</a></td> <td data-col="2" class="text-right"> Not specified</td> <td data-col="3" class="text-right"> 24-84 months </td> <td data-col="4" class="text-right"> Starting at $4,000</td> <td data-col="5" class="text-right"> Convenience</td> </tr> <tr id="c1ca161d-9ef4-49a8-bd61-1f748cadc373" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/penfed/" target="_blank">PenFed Credit Union</a></td> <td data-col="2" class="text-right"> Starting at 4.44% </td> <td data-col="3" class="text-right"> 36-84 months</td> <td data-col="4" class="text-right"> Not specified </td> <td data-col="5" class="text-right"> Bankrate 2024 Award winner for best auto loan from a bank </td> </tr> <tr id="8d1a50e7-0273-4ade-bd66-3e1bcaad8f5d" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/carputty/" target="_blank">Carputty</a></td> <td data-col="2" class="text-right"> Starting at 4.66% </td> <td data-col="3" class="text-right"> 63 Months</td> <td data-col="4" class="text-right"> $25,000-$250,000</td> <td data-col="5" class="text-right"> Bankrate 2024 Award winner for best auto loan for used car purchase </td> </tr> <tr id="9ce52020-9103-4257-bd21-4b5a0b93ccb5" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/consumers-credit-union/" target="_blank">Consumers Credit Union</a></td> <td data-col="2" class="text-right"> Starting at 5.99% </td> <td data-col="3" class="text-right"> 36-84 months</td> <td data-col="4" class="text-right"> Not specified </td> <td data-col="5" class="text-right"> Bankrate 2024 Award winner for best auto loan for new car purchase </td> </tr> <tr id="56c43cad-2c32-4d4a-adce-fa338f6dd81f" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/tenet/" target="_blank">Tenet</a></td> <td data-col="2" class="text-right"> 6.39%-15.75% </td> <td data-col="3" class="text-right"> 36-84 months</td> <td data-col="4" class="text-right"> $15,000-$95,000</td> <td data-col="5" class="text-right"> Bankrate 2024 Award winner for best auto loan for EV loans </td> </tr> </tbody> </table> <table id="header-fixed-e34577a6-0e52-4a65-a33d-0ca20b1d58ea" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div x-data="table({ containerId: 'f5e46ab5-ceb2-473d-bb53-318d88b27997', tableId: 'table-f5e46ab5-ceb2-473d-bb53-318d88b27997', buttonId: 'button-f5e46ab5-ceb2-473d-bb53-318d88b27997', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="f5e46ab5-ceb2-473d-bb53-318d88b27997" class="table-container" tabindex="0"> <table id="table-f5e46ab5-ceb2-473d-bb53-318d88b27997" class="Table table-content "> <thead> <tr> <th class="text-left"> Lender</th> <th class="text-right"> Current APR</th> <th class="text-right"> Term</th> <th class="text-right"> Loan Amount</th> </tr> </thead> <tbody> <tr id="24b8d2cb-59bb-41d3-8938-1ab8579b8e05" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/capital-one/" target="_blank">Capital One</a></td> <td data-col="2" class="text-right"> Not specified</td> <td data-col="3" class="text-right"> 24-84 months</td> <td data-col="4" class="text-right"> Starting at $4,000</td> </tr> <tr id="dfa03bf2-5eb6-43d3-a6ca-899944772819" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/" target="_blank">Autopay</a></td> <td data-col="2" class="text-right"> Starting at 4.99%</td> <td data-col="3" class="text-right"> 12-96 months</td> <td data-col="4" class="text-right"> $8,000-$120,000</td> </tr> <tr id="a55ae630-9091-4a1f-ac8b-30131de668be" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/carvana/" target="_blank">Carvana</a></td> <td data-col="2" class="text-right"> 7.90%-27.90%</td> <td data-col="3" class="text-right"> 12-72 months</td> <td data-col="4" class="text-right"> Starting at $1,000</td> </tr> <tr id="b940a53e-a799-4014-a738-2baba733d6a3" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/ilending/" target="_blank">iLending</a></td> <td data-col="2" class="text-right"> 5.94%-18.79% </td> <td data-col="3" class="text-right"> 12-96 months</td> <td data-col="4" class="text-right"> $5,000-$150,000</td> </tr> </tbody> </table> <table id="header-fixed-f5e46ab5-ceb2-473d-bb53-318d88b27997" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> <div class="wysiwyg display-block w-full"> <div>For more information on bad credit auto loan rates, check out our page on <a class="Link" href="https://www.bankrate.com/loans/auto-loans/bad-credit-loans/">bad credit auto loans</a>.</div></div> </div> <div x-show="isSelected($id('tab', whichChild($el, $el.parentElement)))" :aria-labelledby="$id('tab', whichChild($el, $el.parentElement))" role="tabpanel" class="TabsV3-tab py-0 px-0"> <div x-data="table({ containerId: '6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb', tableId: 'table-6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb', buttonId: 'button-6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb" class="table-container" tabindex="0"> <table id="table-6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb" class="Table table-content "> <thead> <tr> <th class="text-left"> Lender</th> <th class="text-right"> Current APR</th> <th class="text-right"> Term</th> <th class="text-right"> Loan Amount</th> </tr> </thead> <tbody> <tr id="c532aa5a-f94d-47b0-af6d-549d9b4c6b0e" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/" target="_blank">LightStream</a></td> <td data-col="2" class="text-right"> 7.49%-15.44%* with AutoPay</td> <td data-col="3" class="text-right"> 24-84 months</td> <td data-col="4" class="text-right"> $5,000-$100,000</td> </tr> <tr id="3360bcfb-fd91-4936-8f52-e3dfcbea7165" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/" target="_blank">Autopay</a></td> <td data-col="2" class="text-right"> Starting at 4.99%</td> <td data-col="3" class="text-right"> 12-96 months </td> <td data-col="4" class="text-right"> $8,000-$120,000 </td> </tr> <tr id="f6205073-e490-43d5-9229-56416e7da5fb" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/caribou/" target="_blank">Caribou</a></td> <td data-col="2" class="text-right"> 5.48%-28.55%</td> <td data-col="3" class="text-right"> Not specified</td> <td data-col="4" class="text-right"> $10,000-$125,000 </td> </tr> <tr id="f9662c72-a121-46e8-bc8f-b0ebbfa27c7b" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/upstart/" target="_blank">Upstart</a></td> <td data-col="2" class="text-right"> 7.27%-29.99% </td> <td data-col="3" class="text-right"> 24-84 months </td> <td data-col="4" class="text-right"> $3,000-$60,000 </td> </tr> <tr id="1b4beed0-2da3-4f3f-9bc7-935e28806da1" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/refijet/" target="_blank">RefiJet</a></td> <td data-col="2" class="text-right"> 5.29%-21.99%</td> <td data-col="3" class="text-right"> 24-96 months</td> <td data-col="4" class="text-right"> $5,000-$150,000</td> </tr> <tr id="d649dca7-6f7f-4340-a728-d8ab3bf2d3ea" class=""> <td data-col="1" class="text-left"> <a href="https://www.bankrate.com/loans/auto-loans/reviews/lendingclub/" target="_blank">LendingClub</a></td> <td data-col="2" class="text-right"> 4.99%-24.99%</td> <td data-col="3" class="text-right"> 24-84 months </td> <td data-col="4" class="text-right"> $4,000-$55,000 </td> </tr> </tbody> </table> <table id="header-fixed-6a83acd7-7c10-48bb-8ed1-b0b1ce15e1fb" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> </div> </div> </div> <div class="wysiwyg display-inline"> <p>For more information on auto loan refinance rates, check out our page on <a class="Link" href="https://www.bankrate.com/loans/auto-loans/refinance-rates/">auto loan refinancing</a>.</p></div> </div> <div id="best" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>A closer look at the best auto loan lenders in 2024</h2></div> <div class="wysiwyg display-block w-full"> <p>When comparing potential lenders look out for not only how potential rates will fit into your budget but also how the lending experience fits your needs.</p></div> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Autopay: Bankrate award winner for best auto loan online lender</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Autopay.png?auto=webp&fit=&width=200&format=pjpg" alt="Autopay" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.2 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 29%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.2</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Autopay is an auto loan marketplace which makes it a great option for a borrower who wants to explore many loan options all at once. Borrowers just have to submit one application and will then be presented with loans from a wide range of sources.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/autopay/">Read Bankrate's Expert Autopay Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> $8k– $150k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> 580</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-795245fd-fb4f-4c95-9145-89949868739d"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Autopay works with a range of lenders that cater to many credit levels. The lender also offers loans up to 96 months, suitable for borrowers who plan to extend their loans.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Autopay works with a range of lenders that cater to many credit levels. The lender also offers loans up to 96 months, suitable for borrowers who plan to extend their loans.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Online application</li> <li>Cash-back refinancing </li> <li>Lending marketplace</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Co-signers encouraged </li> <li>Bank-level security </li> <li>Over 700,000 customers</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Online application</li> <li>Cash-back refinancing </li> <li>Lending marketplace</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Co-signers encouraged </li> <li>Bank-level security </li> <li>Over 700,000 customers</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>myAutoLoan: Best for fair credit borrowers</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/my auto loan.png?auto=webp&fit=&width=200&format=pjpg" alt="MyAutoLoan" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">3.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>myAutoLoan has no application fee and a convenient online application. It works with an expansive network of lenders to enable you to compare offers and find the right lender for your needs. It also offers loans for refinancing and lease buyouts.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/myautoloan/">Read Bankrate's Expert myAutoLoan Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 7.19%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> Starting at $8,000</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> 600</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-48a39f72-8cae-464c-a11e-7043dee8bc28"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who want to compare offers side by side may want to use myAutoLoan — especially those with fair credit, as it has a minimum requirement of 600.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers who want to compare offers side by side may want to use myAutoLoan — especially those with fair credit, as it has a minimum requirement of 600.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 2003  </li> <li>Online application</li> <li>Loan aggregator</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No fees charged by lender  </li> <li>Prequalification   </li> <li>Rapid funding</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Founded in 2003  </li> <li>Online application</li> <li>Loan aggregator</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>No fees charged by lender  </li> <li>Prequalification   </li> <li>Rapid funding</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>LightStream: Best overall </strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/LightStream.png?auto=webp&fit=&width=200&format=pjpg" alt="LightStream" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.2 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 29%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.2</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>LightStream offers unsecured personal loans to borrowers in all 50 states. Unlike traditional auto lenders that work with a network of dealerships, LightStream sends funds directly to the borrower. Although the minimum APR is competitive, the maximum is quite steep. </p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/lightstream/">Read Bankrate's Expert LightStream Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 7.24%–15.19%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> $5k– $100k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-91adaa31-1ed8-4039-a150-55d19e2055d1"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>LightStream is best for borrowers with very good credit who plan to finance an expensive vehicle. It is also fitting for a driver who requires fast funding and feels comfortable handling finances online.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>LightStream is best for borrowers with very good credit who plan to finance an expensive vehicle. It is also fitting for a driver who requires fast funding and feels comfortable handling finances online.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Zero fees</li> <li>Mobile app </li> <li>Rate beat program</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 2012 </li> <li>Available in all 50 states </li> <li>Online application</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Zero fees</li> <li>Mobile app </li> <li>Rate beat program</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Bank of America: Best big bank option</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Bank of America.png?auto=webp&fit=&width=200&format=pjpg" alt="Bank of America" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 3.7 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 64%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 0%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">3.7</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Bank of America is the second largest financial institution in the country and is trusted by consumers for a range of banking services, including auto financing. The bank offers loans for new, used, refinance and lease buyouts. It also carries minimal fees and serves drivers in all 50 states.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/bank-of-america/">Read Bankrate's Expert Bank of America Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 5.64%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> $7.5k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-79dde371-1b2e-4949-8955-22575e8ccb2a"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A Bank of America auto loan is best for a driver who intends to finance through a dealership rather than just online. It is also a great route for an account holder, preferred rewards members can secure additional discounts.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A Bank of America auto loan is best for a driver who intends to finance through a dealership rather than just online. It is also a great route for an account holder, preferred rewards members can secure additional discounts.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1998 </li> <li>Online application  </li> <li>Nationwide coverage</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>30-day rate lock   </li> <li>In-person support</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Established in 1998 </li> <li>Online application  </li> <li>Nationwide coverage</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>30-day rate lock   </li> <li>In-person support</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>PenFed Credit Union: Best for viewing potential rates</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/PenFed_Logo.png?auto=webp&fit=&width=200&format=pjpg" alt="PenFed" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.4 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 43%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.4</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Members of PenFed can view potential rates following prequalification without any damage to their credit score. This way, borrowers can compare different loan options at once and secure the right loan for their budget.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/penfed/">Read Bankrate's Expert PenFed Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.44%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> 150,000</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-78c2524d-d92b-4f19-ae43-e35a409f1b5d"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>PenFed offers an online vehicle buying service suitable for borrowers who are looking for a used vehicle and want to shop online.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>PenFed offers an online vehicle buying service suitable for borrowers who are looking for a used vehicle and want to shop online.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Online application </li> <li>Car buying service </li> <li>Loan preapproval</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Membership fee waived for auto loans</li> <li>Vehicle add-ons available</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Online application </li> <li>Car buying service </li> <li>Loan preapproval</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Membership fee waived for auto loans</li> <li>Vehicle add-ons available</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Carputty: Bankrate 2024 award winner for best auto loan for used car purchase</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Carputty.png?auto=webp&fit=&width=200&format=pjpg" alt="Carputty" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.3 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 36%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.3</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Carputty is a direct lender that allows borrowers to finance multiple vehicle purchases at once. It offers higher than usual loan amounts, called lines of credit, up to $250,000. Along with that borrowers can access funding as soon as the same day.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/carputty/">Read Bankrate's Expert Carputty Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 4.66%–12.66%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> $25k– $250k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> 680</div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-d614e7cc-d4e6-4ce3-a3a2-b2c2873f932f"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Carputty is a direct lender that encourages customers to view their vehicles as assets. It offers several tools to help borrowers determine the best time to buy.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Carputty is a direct lender that encourages customers to view their vehicles as assets. It offers several tools to help borrowers determine the best time to buy.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Nationwide coverage  </li> <li>Preapproval offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Car buying tools  </li> <li>Fast funding</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Nationwide coverage  </li> <li>Preapproval offered</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Car buying tools  </li> <li>Fast funding</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Consumers Credit Union: Online car buyers</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/Consumers Credit Union.png?auto=webp&fit=&width=200&format=pjpg" alt="Consumers Credit Union" width="200"> </div> <div> <span class="display-flex align-items-center"> <div class="star-rating star-rating--number-size-sm align-center mr-1" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.5 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 50%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <span class="type-body-one font-circular-bold text-black">4.5</span> </span> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Similar to PenFed, Consumers Credit Union offers an online car-buying service to borrowers. Powered by TrueCar, shoppers can secure financing and make their vehicle purchase online. This option also offers a small discount.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/consumers-credit-union/">Read Bankrate's Expert Consumers Credit Union Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 5.99%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> Not specified </div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-e39e07f9-090c-4689-adc0-ad2dfa5e20ff"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking for a large vehicle loan who hope to shop online before a test drive.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking for a large vehicle loan who hope to shop online before a test drive.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Autopay discount</li> <li>Prequalification </li> <li>Vehicle add-ons</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Autopay discount</li> <li>Prequalification </li> <li>Vehicle add-ons</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <article class="CloserLook"> <h3 class="CloserLook-title type-heading-four"> <div class="wysiwyg display-block w-full"> <h3><strong>Tenet: Best for specialized EV loans</strong></h3></div> </h3> <div class="CloserLook-logoRating mb-4 md:mb-2" data-testid="CloserLook-logo"> <div> <img src="https://www.bankrate.com/static/loans/logos/tenet.png?auto=webp&fit=&width=200&format=pjpg" alt="Tenet" width="200"> </div> </div> <div class="CloserLook-overview text-slate"> <div class="wysiwyg display-block w-full"> <p><strong>Overview: </strong>Tenet is a lender that specifically finances electric vehicles and plug-in hybrids. It has an online marketplace to view your options and apply quickly. Plus, it also has options to finance at-home charging systems when you buy your vehicle.</p></div> <div class="pb-8 pt-2"> <a class="Link" href="https://www.bankrate.com/loans/auto-loans/reviews/tenet/">Read Bankrate's Expert Tenet Review</a> </div> </div> <div class="CloserLook-loanStats mt-4"> <div class="type-body-two display-flex font-circular-bold mb-3"> <div class="text-slate font-circular-book mr-4 flex-1">Fixed APR</div> 6.39%–15.75%</div> <div class="type-body-two display-flex font-circular-bold mb-4 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Loan amount</div> <div> $15k– $95k</div> </div> <div class="type-body-two display-flex font-circular-bold mb-3 border-t border-gray pt-2"> <div class="text-slate font-circular-book mr-4 flex-1">Min credit score</div> <span>Not specified</span> </div> </div> <div class="CloserLook-accordions pt-4"> <ul class="Accordion w-full" data-cy="accordion-52131751-6612-4638-9f77-a7d430bef1ed"> <li x-id="['panel-span-classtext-who-it039s-forspan', 'heading-span-classtext-who-it039s-forspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-who-it039s-forspan')" :aria-controls="$id('panel-span-classtext-who-it039s-forspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" who it&#039;s for " data-position="1" data-text=" Who it&#039;s for " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Who it's for</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking to finance an electric vehicle through a quick, dedicated online lender.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-who-it039s-forspan')" :labelledBy="$id('heading-span-classtext-who-it039s-forspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Borrowers looking to finance an electric vehicle through a quick, dedicated online lender.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-stand-out-featuresspan', 'heading-span-classtext-stand-out-featuresspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-stand-out-featuresspan')" :aria-controls="$id('panel-span-classtext-stand-out-featuresspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" stand-out features " data-position="2" data-text=" Stand-out features " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Stand-out features</span> </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Fully online experience </li> <li>Home charger financing and installation</li> <li>Unique online dashboard</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>EV and plug-in hybrid financing</li> <li>Refinancing and lease buyouts available</li> <li>Autopay discount</li> </ul></div> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-stand-out-featuresspan')" :labelledBy="$id('heading-span-classtext-stand-out-featuresspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="display-grid grid-cols-1 gap-4 w-full sm:grid-cols-2 md:grid-cols-2"> <div> <div class="wysiwyg display-block w-full"> <ul> <li>Fully online experience </li> <li>Home charger financing and installation</li> <li>Unique online dashboard</li> </ul></div> </div> <div> <div class="wysiwyg display-block w-full"> <ul> <li>EV and plug-in hybrid financing</li> <li>Refinancing and lease buyouts available</li> <li>Autopay discount</li> </ul></div> </div> </div> </div> </div> </noscript> </li> </ul> </div> </article> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> </div> <div id="guide" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>What are car loans and how do they work?</h2> <p><a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-is-an-auto-loan/">Auto loans</a> let you borrow the money you need to purchase a car. Since car loans are typically "<a class="Link" href="https://www.bankrate.com/loans/auto-loans/secured-auto-loans/">secured</a>,” they require you to use the automobile you are buying as collateral for the loan.</p> <p>You are typically required to pay a fixed interest rate and monthly payment for 24 to 84 months, at which point your car will be paid off. Many <a class="Link" href="https://www.bankrate.com/loans/auto-loans/dealer-financing/">dealerships offer financing</a>, but you can also find auto loans at national banks, local credit unions and online lenders. </p> <p>When shopping for an auto loan, compare APRs across multiple lenders to make sure you are getting a <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-to-get-the-best-auto-loan-rate/">competitive rate</a>. Look for lenders that keep fees to a minimum and offer repayment terms that fit your needs. </p> <h3>Types of auto loans</h3> <p>Car loan options go beyond just new and used. Each <a class="Link" href="https://www.bankrate.com/loans/auto-loans/auto-loan-types/">auto loan type</a> has specific uses that cater to certain types of borrowers, and knowing what type you need can make the loan shopping process easier. </p> <h4>New car loan </h4> <p>If you are looking to <a class="Link" href="https://www.bankrate.com/loans/auto-loans/best-car-buying-tips/">purchase a new car</a>, you should seek out a new car loan. Dealerships offer new car financing on the lot, but you can also get them from banks, credit unions and online lenders. Shop around for your best interest rate and terms. </p> <h4>Used car loan </h4> <p><a class="Link" href="https://www.bankrate.com/loans/auto-loans/steps-to-buy-a-used-car/">Buying a used car</a> from a dealership will require a used car loan. You can get them at the same places you would get a new car loan. Lenders often limit cars’ age and mileage.</p> <h4>Auto refinance</h4> <p>If you originally took out a loan at a dealership, or just didn't get a good rate, you may want to <a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-is-auto-loan-refinancing/">refinance your car</a> and get a better interest rate. Or you can rework your terms to get a lower monthly payment. This process simply replaces your current auto with a new one. These loans aren't available through dealerships.</p> <h4>Cash-out auto refinance </h4> <p>To get a little extra cash with your refinance, you can take out a <a class="Link" href="https://www.bankrate.com/loans/auto-loans/cash-back-refinancing/">cash-out refinance loan</a>. Along with the balance you are refinancing, you can borrow against the equity you have in your car.</p> <h4>Private party  </h4> <p>When you are buying a used car from an individual seller and do not have the cash on hand, you will need a <a class="Link" href="https://www.bankrate.com/loans/auto-loans/private-party-auto-loan/">private party auto loan</a>. These are less common, but available at some banks, credit unions and online lenders.</p> <h4>Lease buyout</h4> <p>Leasing a car can come with the option to buy the vehicle at the end. You can take out a <a class="Link" href="https://www.bankrate.com/loans/auto-loans/tips-on-buying-your-leased-car/">lease buyout</a> loan to finance that purchase. Lease buyout loans tend to be similar to used car loan rates.</p></div> </div> <div id="pros-cons" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>Pros and cons of auto loans </h2> <p dir="ltr">An auto loan can be a great way to get behind the wheel. But cars are big purchases, and these loans can impact your finances for years. It’s important to weigh auto loans’ <a class="Link" href="https://www.bankrate.com/loans/auto-loans/auto-loan-pros-and-cons/">advantages and disadvantages</a> before opting in.</p> <div><span id="docs-internal-guid-b8b4e8b6-7fff-17ac-aa2d-90416dac266f"></span></div></div> <div class="pros-and-cons "> <div class="display-flex gap-4 sm:gap-6 flex-direction-column sm:flex-direction-row"> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one font-circular-bold border-b pb-3 mb-5"> Pros </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">Spreads out expenses: Securing a loan cuts down the amount of money you have to spend up front for your vehicle, instead you will pay across the course of your agreed loan term.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">Afford a better car: With more time to repay your lender, you may be able to afford a nicer vehicle than what you could by buying outright.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">You own the car at the end: Unlike with leasing, the vehicle will be yours once the loan is fully paid off.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm flex-shrink-0 mr-4 text-green-dark"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Checkmark Icon</title><path d="M8.982 18.477a.976.976 0 0 1-.658-.266l-5.056-5.055a.926.926 0 0 1 0-1.305.927.927 0 0 1 1.305 0L8.97 16.25 19.427 5.792a.926.926 0 0 1 1.305 0 .926.926 0 0 1 0 1.304L9.628 18.2a.906.906 0 0 1-.658.265l.012.012Z" class="icon-base"/></svg></span> <p class="type-body-one text-slate mb-0 mt-1">May improve your credit score: Payment history makes up 35 percent of your FICO score. If you have proven loan pay-off history, your score could improve.</p> </div> </li> </ul> </div> <div class="sm:w-1/2"> <div data-cy="" class="Headline w-full"> <h3 class="type-body-one font-circular-bold border-b pb-3 mb-5"> Cons </h3> </div> <ul class="List"> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Monthly payments can be expensive: Due to a number of factors, interest rates are high right now. The average new car payment is $734 per month, according to Experian data.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Risk of damaging your finances: If you struggle with keeping your finances in order, beware of how missed payments may affect your credit and your ability to drive your car.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Your vehicle’s value depreciates: Your vehicle will start to depreciate the moment you exit the dealership.</p> </div> </li> <li class="mb-5"> <div class="display-flex"> <span class="Icon Icon--sm text-red flex-shrink-0 mr-4"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M5.62252 7.17879L7.41279 5.38672L18.7265 16.7004L16.8 18.5995L5.62252 7.17879Z" fill="#D71919"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.9344 5.50932L18.7265 7.29959L7.41281 18.6133L5.51375 16.6868L16.9344 5.50932Z" fill="#D71919"/> </svg></span> <p class="type-body-one text-slate mb-0 mt-1">Stuck with the same car for longer: If you like to switch up your vehicle every couple of years, leasing may be a better option.</p> </div> </li> </ul> </div> </div> </div> </div> <div id="choose" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>How to choose the best auto loan lender</h2> <p>Choosing the right lender can help you with <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-much-car-can-i-afford/">financing a vehicle you can afford</a>. We recommend you get quotes from at least three lenders beyond your car dealership before deciding which is right for you. Pay special attention to the following factors:</p> <h3>Approval requirements</h3> <p>Every lender has different requirements to receive approval. Lenders will consider aspects like your credit history, income and debt-to-income ratio. Your credit serves as the primary determinant of potential rates. Keep in mind that typically, the worse your credit score is, the less competitive your rates will be.</p> <h3>Annual percentage rate</h3> <p>The APR represents the amount of interest and fees that you will have to pay on the loan. Pay close attention to this number — a higher APR means more interest and thus a larger monthly cost. Also remember to shop the total loan amount, not just the monthly payment.</p> <h3>Loan terms</h3> <p>While a lower monthly payment may seem appealing, pay close attention to available terms, and consider how your loan’s length will impact your overall cost. A longer loan term will lower your monthly cost, but you will pay more interest. Conversely, a shorter loan term means a higher monthly cost but a lower cost over the life of the loan.</p></div> </div> <div id="current" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Current car loan interest rates</h2> <div> <p>Car loan interest rates change frequently and impact how much you’re going to pay each month. So it’s important to track them when comparing auto loan rates. Bankrate surveys top banks across U.S. markets and crunches the numbers to find average interest rates for common loan terms. Use the below table, which updates weekly, to help you know the best time to buy a used or new car. </p> </div></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="line-chart" data-line-chart="l3c5b03a0-662a-49c7-abec-b341a791623dchart" x-data="lineChart({chartData: JSON.parse('{\u0022datasetGroups\u0022:{\u002260-month new car\u0022:[{\u0022data\u0022:[7.89,7.82,7.82,7.8100000000000005,7.76,7.71,7.71,7.67,7.64,7.58,7.5600000000000005,7.54,7.5,7.51,7.5600000000000005,7.55,7.5600000000000005],\u0022label\u0022:\u002260-month new car\u0022},{\u0022data\u0022:[7.79,7.72,7.71,7.71,7.66,7.61,7.61,7.57,7.55,7.48,7.46,7.44,7.4,7.41,7.46,7.45,7.46],\u0022label\u0022:\u002248-month new car\u0022},{\u0022data\u0022:[8.52,8.45,8.45,8.45,8.38,8.33,8.33,8.3,8.27,8.28,8.27,8.25,8.21,8.21,8.26,8.26,8.26],\u0022label\u0022:\u002248-month used car\u0022},{\u0022data\u0022:[8.44,8.37,8.37,8.37,8.31,8.26,8.25,8.22,8.11,8.08,8.06,8.04,8,8,8.05,8.05,8.05],\u0022label\u0022:\u002236-month used car\u0022}]},\u0022labels\u0022:[\u00222024-07-31\u0022,\u00222024-08-07\u0022,\u00222024-08-14\u0022,\u00222024-08-21\u0022,\u00222024-08-28\u0022,\u00222024-09-04\u0022,\u00222024-09-04\u0022,\u00222024-09-18\u0022,\u00222024-09-25\u0022,\u00222024-10-02\u0022,\u00222024-10-09\u0022,\u00222024-10-16\u0022,\u00222024-10-23\u0022,\u00222024-10-30\u0022,\u00222024-11-06\u0022,\u00222024-11-13\u0022,\u00222024-11-20\u0022],\u0022chartId\u0022:\u0022l3c5b03a0-662a-49c7-abec-b341a791623dchart\u0022,\u0022colors\u0022:[\u0022#A5D4F4\u0022,\u0022#4898FF\u0022,\u0022#359367\u0022,\u0022#2B0086\u0022]}'), tabGroup: '60-month new car'})"> <div class="display-grid grid-cols-1 md:grid-cols-3 md:gap-5"> <div class="md:col-span-2 mr-6 mb-6 md:mb-0"> <canvas id="l3c5b03a0-662a-49c7-abec-b341a791623dchart" style="height: 300px;" width="400" height="300"></canvas> </div> <div class="md:col-span-1"> <div class="display-flex align-items-center mb-4"> <p class="type-heading-four mb-0 text-black"> <span> Average rates as of November 20, 2024</span> </p> </div> <div id="l3c5b03a0-662a-49c7-abec-b341a791623dchart-ChartLegend" class="mb-10"> <table class="Table Table--borderedRows"> <tbody> <tr x-show="tabGroup === '60-month new car'"> <td class="px-2"> <span class="bullet" style="background: #A5D4F4;"></span> </td> <td class="series-name type-body-one py-3 p-0 text-slate text-left"> 60-month new car</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black"> 7.56% </td> </tr> <tr x-show="tabGroup === '60-month new car'"> <td class="px-2"> <span class="bullet" style="background: #4898FF;"></span> </td> <td class="series-name type-body-one py-3 p-0 text-slate text-left"> 48-month new car</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black"> 7.46% </td> </tr> <tr x-show="tabGroup === '60-month new car'"> <td class="px-2"> <span class="bullet" style="background: #359367;"></span> </td> <td class="series-name type-body-one py-3 p-0 text-slate text-left"> 48-month used car</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black"> 8.26% </td> </tr> <tr x-show="tabGroup === '60-month new car'"> <td class="px-2"> <span class="bullet" style="background: #2B0086;"></span> </td> <td class="series-name type-body-one py-3 p-0 text-slate text-left"> 36-month used car</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black"> 8.05% </td> </tr> </tbody> </table> </div> </div> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <ul class="Accordion w-full" data-cy="accordion-8b9a2288-e557-4c7d-bb82-7bcce001ffae"> <li x-id="['panel-span-classtext-current-car-loan-interest-rates-tablespan', 'heading-span-classtext-current-car-loan-interest-rates-tablespan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-current-car-loan-interest-rates-tablespan')" :aria-controls="$id('panel-span-classtext-current-car-loan-interest-rates-tablespan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" current car loan interest rates table " data-position="1" data-text=" Current car loan interest rates table " data-outcome="" data-variant="default" :data-outcome="expanded ? 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0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div x-data="table({ containerId: '7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', tableId: 'table-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', buttonId: 'button-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="table-container" tabindex="0"> <table id="table-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="Table table-content "> <thead> <tr> <th class="text-left"> Dates </th> <th class="text-right"> 60-month new car </th> <th class="text-right"> 48-month new car </th> <th class="text-right"> 48-month used car</th> <th class="text-right"> 36-month used car</th> </tr> </thead> <tbody> <tr id="634a87b7-9200-4865-af49-d0ca48329f6e" class=""> <td data-col="1" class="text-left"> 11/20/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="a2f06f71-3e16-410e-962d-a4018585f0ca" class=""> <td data-col="1" class="text-left"> 11/13/24</td> <td data-col="2" class="text-right"> 7.55%</td> <td data-col="3" class="text-right"> 7.45%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="c5e0f732-1edf-49c9-bdf7-5ddcec183014" class=""> <td data-col="1" class="text-left"> 11/6/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="1e4222b5-09a4-498c-be4a-e0dfebfa39cc" class=""> <td data-col="1" class="text-left"> 10/30/24</td> <td data-col="2" class="text-right"> 7.51%</td> <td data-col="3" class="text-right"> 7.41%</td> <td data-col="4" class="text-right"> 8.21%</td> <td data-col="5" class="text-right"> 8.00%</td> </tr> <tr id="7c027cf1-b2ee-4438-86f9-7b54a3b953d5" class=""> <td data-col="1" class="text-left"> 10/23/24</td> <td data-col="2" class="text-right"> 7.50%</td> <td data-col="3" class="text-right"> 7.40%</td> <td data-col="4" class="text-right"> 8.21%</td> <td data-col="5" class="text-right"> 8.00%</td> </tr> <tr id="96e63647-2ebb-4ee6-8afb-2555f9d46880" class=""> <td data-col="1" class="text-left"> 10/16/24</td> <td data-col="2" class="text-right"> 7.54%</td> <td data-col="3" class="text-right"> 7.44%</td> <td data-col="4" class="text-right"> 8.25%</td> <td data-col="5" class="text-right"> 8.04%</td> </tr> <tr id="0981f8dc-b99c-4ad4-8137-2a49951d76bd" class=""> <td data-col="1" class="text-left"> 10/9/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.27%</td> <td data-col="5" class="text-right"> 8.06%</td> </tr> <tr id="3d46f9b6-95d9-458a-90bf-f12311f69036" class=""> <td data-col="1" class="text-left"> 10/2/24</td> <td data-col="2" class="text-right"> 7.58%</td> <td data-col="3" class="text-right"> 7.48%</td> <td data-col="4" class="text-right"> 8.28%</td> <td data-col="5" class="text-right"> 8.08%</td> </tr> <tr id="0b9b1a64-41bc-44c0-ac4f-d966f2d810df" class=""> <td data-col="1" class="text-left"> 9/25/24</td> <td data-col="2" class="text-right"> 7.64%</td> <td data-col="3" class="text-right"> 7.55%</td> <td data-col="4" class="text-right"> 8.27%</td> <td data-col="5" class="text-right"> 8.11%</td> </tr> <tr id="554b0713-5cea-4bef-a5b0-28eadf804a0b" class=""> <td data-col="1" class="text-left"> 9/18/24</td> <td data-col="2" class="text-right"> 7.67%</td> <td data-col="3" class="text-right"> 7.57%</td> <td data-col="4" class="text-right"> 8.30%</td> <td data-col="5" class="text-right"> 8.22%</td> </tr> <tr id="a07a152c-9124-4482-84d6-6f96a248f5b8" class=""> <td data-col="1" class="text-left"> 9/11/24</td> <td data-col="2" class="text-right"> 7.71%</td> <td data-col="3" class="text-right"> 7.61%</td> <td data-col="4" class="text-right"> 8.33%</td> <td data-col="5" class="text-right"> 8.25%</td> </tr> <tr id="faebc43d-831c-4cc0-bebe-fe1820a9e7ec" class=""> <td data-col="1" class="text-left"> 9/4/24</td> <td data-col="2" class="text-right"> 7.71%</td> <td data-col="3" class="text-right"> 7.61%</td> <td data-col="4" class="text-right"> 8.33%</td> <td data-col="5" class="text-right"> 8.26%</td> </tr> <tr id="55f1d634-56ae-409e-a4d0-731adb675c3e" class=""> <td data-col="1" class="text-left"> 8/28/24</td> <td data-col="2" class="text-right"> 7.76%</td> <td data-col="3" class="text-right"> 7.66%</td> <td data-col="4" class="text-right"> 8.38%</td> <td data-col="5" class="text-right"> 8.31%</td> </tr> <tr id="78bedfcc-82a6-4259-b734-a0de0e4d6b0e" class=""> <td data-col="1" class="text-left"> 8/21/24</td> <td data-col="2" class="text-right"> 7.81%</td> <td data-col="3" class="text-right"> 7.71%</td> <td data-col="4" class="text-right"> 8.45%</td> <td data-col="5" class="text-right"> 8.37%</td> </tr> <tr id="9b95e08b-c625-49b2-a9c8-0c43404bcbf3" class=""> <td data-col="1" class="text-left"> 8/14/24</td> <td data-col="2" class="text-right"> 7.82%</td> <td data-col="3" class="text-right"> 7.71%</td> <td data-col="4" class="text-right"> 8.45%</td> <td data-col="5" class="text-right"> 8.37%</td> </tr> </tbody> </table> <table id="header-fixed-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-current-car-loan-interest-rates-tablespan')" :labelledBy="$id('heading-span-classtext-current-car-loan-interest-rates-tablespan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div x-data="table({ containerId: '7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', tableId: 'table-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', buttonId: 'button-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="table-container" tabindex="0"> <table id="table-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="Table table-content "> <thead> <tr> <th class="text-left"> Dates </th> <th class="text-right"> 60-month new car </th> <th class="text-right"> 48-month new car </th> <th class="text-right"> 48-month used car</th> <th class="text-right"> 36-month used car</th> </tr> </thead> <tbody> <tr id="634a87b7-9200-4865-af49-d0ca48329f6e" class=""> <td data-col="1" class="text-left"> 11/20/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="a2f06f71-3e16-410e-962d-a4018585f0ca" class=""> <td data-col="1" class="text-left"> 11/13/24</td> <td data-col="2" class="text-right"> 7.55%</td> <td data-col="3" class="text-right"> 7.45%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="c5e0f732-1edf-49c9-bdf7-5ddcec183014" class=""> <td data-col="1" class="text-left"> 11/6/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.26%</td> <td data-col="5" class="text-right"> 8.05%</td> </tr> <tr id="1e4222b5-09a4-498c-be4a-e0dfebfa39cc" class=""> <td data-col="1" class="text-left"> 10/30/24</td> <td data-col="2" class="text-right"> 7.51%</td> <td data-col="3" class="text-right"> 7.41%</td> <td data-col="4" class="text-right"> 8.21%</td> <td data-col="5" class="text-right"> 8.00%</td> </tr> <tr id="7c027cf1-b2ee-4438-86f9-7b54a3b953d5" class=""> <td data-col="1" class="text-left"> 10/23/24</td> <td data-col="2" class="text-right"> 7.50%</td> <td data-col="3" class="text-right"> 7.40%</td> <td data-col="4" class="text-right"> 8.21%</td> <td data-col="5" class="text-right"> 8.00%</td> </tr> <tr id="96e63647-2ebb-4ee6-8afb-2555f9d46880" class=""> <td data-col="1" class="text-left"> 10/16/24</td> <td data-col="2" class="text-right"> 7.54%</td> <td data-col="3" class="text-right"> 7.44%</td> <td data-col="4" class="text-right"> 8.25%</td> <td data-col="5" class="text-right"> 8.04%</td> </tr> <tr id="0981f8dc-b99c-4ad4-8137-2a49951d76bd" class=""> <td data-col="1" class="text-left"> 10/9/24</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 7.46%</td> <td data-col="4" class="text-right"> 8.27%</td> <td data-col="5" class="text-right"> 8.06%</td> </tr> <tr id="3d46f9b6-95d9-458a-90bf-f12311f69036" class=""> <td data-col="1" class="text-left"> 10/2/24</td> <td data-col="2" class="text-right"> 7.58%</td> <td data-col="3" class="text-right"> 7.48%</td> <td data-col="4" class="text-right"> 8.28%</td> <td data-col="5" class="text-right"> 8.08%</td> </tr> <tr id="0b9b1a64-41bc-44c0-ac4f-d966f2d810df" class=""> <td data-col="1" class="text-left"> 9/25/24</td> <td data-col="2" class="text-right"> 7.64%</td> <td data-col="3" class="text-right"> 7.55%</td> <td data-col="4" class="text-right"> 8.27%</td> <td data-col="5" class="text-right"> 8.11%</td> </tr> <tr id="554b0713-5cea-4bef-a5b0-28eadf804a0b" class=""> <td data-col="1" class="text-left"> 9/18/24</td> <td data-col="2" class="text-right"> 7.67%</td> <td data-col="3" class="text-right"> 7.57%</td> <td data-col="4" class="text-right"> 8.30%</td> <td data-col="5" class="text-right"> 8.22%</td> </tr> <tr id="a07a152c-9124-4482-84d6-6f96a248f5b8" class=""> <td data-col="1" class="text-left"> 9/11/24</td> <td data-col="2" class="text-right"> 7.71%</td> <td data-col="3" class="text-right"> 7.61%</td> <td data-col="4" class="text-right"> 8.33%</td> <td data-col="5" class="text-right"> 8.25%</td> </tr> <tr id="faebc43d-831c-4cc0-bebe-fe1820a9e7ec" class=""> <td data-col="1" class="text-left"> 9/4/24</td> <td data-col="2" class="text-right"> 7.71%</td> <td data-col="3" class="text-right"> 7.61%</td> <td data-col="4" class="text-right"> 8.33%</td> <td data-col="5" class="text-right"> 8.26%</td> </tr> <tr id="55f1d634-56ae-409e-a4d0-731adb675c3e" class=""> <td data-col="1" class="text-left"> 8/28/24</td> <td data-col="2" class="text-right"> 7.76%</td> <td data-col="3" class="text-right"> 7.66%</td> <td data-col="4" class="text-right"> 8.38%</td> <td data-col="5" class="text-right"> 8.31%</td> </tr> <tr id="78bedfcc-82a6-4259-b734-a0de0e4d6b0e" class=""> <td data-col="1" class="text-left"> 8/21/24</td> <td data-col="2" class="text-right"> 7.81%</td> <td data-col="3" class="text-right"> 7.71%</td> <td data-col="4" class="text-right"> 8.45%</td> <td data-col="5" class="text-right"> 8.37%</td> </tr> <tr id="9b95e08b-c625-49b2-a9c8-0c43404bcbf3" class=""> <td data-col="1" class="text-left"> 8/14/24</td> <td data-col="2" class="text-right"> 7.82%</td> <td data-col="3" class="text-right"> 7.71%</td> <td data-col="4" class="text-right"> 8.45%</td> <td data-col="5" class="text-right"> 8.37%</td> </tr> </tbody> </table> <table id="header-fixed-7bdd161a-6b4e-40ed-a5c7-c589c3d3adee" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan', 'heading-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" :aria-controls="$id('panel-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" 2024 outlook for auto loan interest rates " data-position="2" data-text=" 2024 outlook for auto loan interest rates " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> 2024 outlook for auto loan interest rates</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" :labelledBy="$id('heading-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Vehicle prices have steadied through late 2023 and early 2024. However, high <a class="Link" href="https://www.bankrate.com/loans/auto-loans/auto-loan-rate-forecast/">interest rates are forecasted</a> to persist for those with weak credit profiles, Bankrate Chief Financial Analyst Greg McBride predicts. However, borrowers with strong credit may access more competitive rates and increasing vehicle incentives will likely help offset costs.</p> <p><a class="Link" href="https://www.bankrate.com/loans/auto-loans/when-will-auto-loan-rates-drop/">The high Federal Reserve rate</a>, sitting at 5.25 percent to 5.5 percent, will indirectly affect your rates. So even as vehicle prices tick downward, the lingering high interest rates will result in more expenses overall. </p> <p>But while the federal funds rate influences lender’s rates, it is not the only consideration. Lenders will also look at your credit score, amount financed and your loan term. With all of this in mind, consider approaching your next loan with extra care <a class="Link" href="https://www.bankrate.com/loans/auto-loans/save-following-fed-rate-hike/">save even with rates high</a>. Be sure to apply for preapproval and shop multiple lenders.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" :labelledBy="$id('heading-span-classtext-2024-outlook-for-auto-loan-interest-ratesspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Vehicle prices have steadied through late 2023 and early 2024. However, high <a class="Link" href="https://www.bankrate.com/loans/auto-loans/auto-loan-rate-forecast/">interest rates are forecasted</a> to persist for those with weak credit profiles, Bankrate Chief Financial Analyst Greg McBride predicts. However, borrowers with strong credit may access more competitive rates and increasing vehicle incentives will likely help offset costs.</p> <p><a class="Link" href="https://www.bankrate.com/loans/auto-loans/when-will-auto-loan-rates-drop/">The high Federal Reserve rate</a>, sitting at 5.25 percent to 5.5 percent, will indirectly affect your rates. So even as vehicle prices tick downward, the lingering high interest rates will result in more expenses overall. </p> <p>But while the federal funds rate influences lender’s rates, it is not the only consideration. Lenders will also look at your credit score, amount financed and your loan term. With all of this in mind, consider approaching your next loan with extra care <a class="Link" href="https://www.bankrate.com/loans/auto-loans/save-following-fed-rate-hike/">save even with rates high</a>. Be sure to apply for preapproval and shop multiple lenders.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan', 'heading-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" :aria-controls="$id('panel-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" what’s the difference between new and used car interest rates? " data-position="3" data-text=" What’s the difference between new and used car interest rates? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What’s the difference between new and used car interest rates?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" :labelledBy="$id('heading-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Loans for newer cars tend to have lower interest rates than those for used cars. Lenders see newer cars as less of a risk — they’re less likely to break down and lenders can identify exactly how much they’ll depreciate over time. Newer cars also have more predictable resale value than older cars, and that predictability results in a lower interest rate.</p></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h4>Average interest rate by loan type </h4> <p>As an example, here are the interest rates for new and used cars as of November 20, 2024, according to data gathered by Bankrate.</p></div> <div x-data="table({ containerId: 'e0205db0-bb6c-4393-9dcf-8acda7dc5553', tableId: 'table-e0205db0-bb6c-4393-9dcf-8acda7dc5553', buttonId: 'button-e0205db0-bb6c-4393-9dcf-8acda7dc5553', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="table-container" tabindex="0"> <table id="table-e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="Table table-content Table--stripedOdd"> <thead> <tr> <th class="text-left"> Term</th> <th class="text-right"> New</th> <th class="text-right"> Used</th> </tr> </thead> <tbody> <tr id="db2bf208-90fa-486f-93bf-2257ec140cb8" class=""> <td data-col="1" class="text-left"> 36 months</td> <td data-col="2" class="text-right"> 7.41%</td> <td data-col="3" class="text-right"> 8.05%</td> </tr> <tr id="bdbcf2fa-9f96-4918-926f-6a4f93a717de" class=""> <td data-col="1" class="text-left"> 48 months</td> <td data-col="2" class="text-right"> 7.46%</td> <td data-col="3" class="text-right"> 8.26%</td> </tr> <tr id="041a16d9-bdb7-4f86-bec8-07469371206d" class=""> <td data-col="1" class="text-left"> 60 months</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 8.87%</td> </tr> </tbody> </table> <table id="header-fixed-e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" :labelledBy="$id('heading-span-classtext-whats-the-difference-between-new-and-used-car-interest-ratesspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Loans for newer cars tend to have lower interest rates than those for used cars. Lenders see newer cars as less of a risk — they’re less likely to break down and lenders can identify exactly how much they’ll depreciate over time. Newer cars also have more predictable resale value than older cars, and that predictability results in a lower interest rate.</p></div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <h4>Average interest rate by loan type </h4> <p>As an example, here are the interest rates for new and used cars as of November 20, 2024, according to data gathered by Bankrate.</p></div> <div x-data="table({ containerId: 'e0205db0-bb6c-4393-9dcf-8acda7dc5553', tableId: 'table-e0205db0-bb6c-4393-9dcf-8acda7dc5553', buttonId: 'button-e0205db0-bb6c-4393-9dcf-8acda7dc5553', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="table-container" tabindex="0"> <table id="table-e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="Table table-content Table--stripedOdd"> <thead> <tr> <th class="text-left"> Term</th> <th class="text-right"> New</th> <th class="text-right"> Used</th> </tr> </thead> <tbody> <tr id="db2bf208-90fa-486f-93bf-2257ec140cb8" class=""> <td data-col="1" class="text-left"> 36 months</td> <td data-col="2" class="text-right"> 7.41%</td> <td data-col="3" class="text-right"> 8.05%</td> </tr> <tr id="bdbcf2fa-9f96-4918-926f-6a4f93a717de" class=""> <td data-col="1" class="text-left"> 48 months</td> <td data-col="2" class="text-right"> 7.46%</td> <td data-col="3" class="text-right"> 8.26%</td> </tr> <tr id="041a16d9-bdb7-4f86-bec8-07469371206d" class=""> <td data-col="1" class="text-left"> 60 months</td> <td data-col="2" class="text-right"> 7.56%</td> <td data-col="3" class="text-right"> 8.87%</td> </tr> </tbody> </table> <table id="header-fixed-e0205db0-bb6c-4393-9dcf-8acda7dc5553" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> </div> </noscript> </li> <li x-id="['panel-span-classtext-how-fed-rate-changes-impact-ratesspan', 'heading-span-classtext-how-fed-rate-changes-impact-ratesspan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-span-classtext-how-fed-rate-changes-impact-ratesspan')" :aria-controls="$id('panel-span-classtext-how-fed-rate-changes-impact-ratesspan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" how fed rate changes impact rates " data-position="4" data-text=" How Fed rate changes impact rates " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How Fed rate changes impact rates</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-span-classtext-how-fed-rate-changes-impact-ratesspan')" :labelledBy="$id('heading-span-classtext-how-fed-rate-changes-impact-ratesspan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>The Federal Open Market Committee spent 2022 and 2023 raising the benchmark federal funds rate in hopes of addressing high inflation. Following several meetings without change, the Federal Reserve <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-september-2024/">struck rates by 50 basis points</a> during the September meeting. The target range is now at 4.75-5 percent.  </p> <p><span style="font-size: 1em;">The benchmark rate doesn’t directly shift auto rates, but it affects the number that </span><a class="Link" href="https://www.bankrate.com/loans/auto-loans/fed-rates-and-auto-loans/">auto lenders base their rates on</a><span style="font-size: 1em;">. As the Fed's benchmark rate falls, auto loan rates are likely to dwindle as well. But this shift does not occur overnight, and borrowers will likely not see meaningful change for a few more rate cuts.  </span></p> <p> </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-span-classtext-how-fed-rate-changes-impact-ratesspan')" :labelledBy="$id('heading-span-classtext-how-fed-rate-changes-impact-ratesspan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>The Federal Open Market Committee spent 2022 and 2023 raising the benchmark federal funds rate in hopes of addressing high inflation. Following several meetings without change, the Federal Reserve <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fomc-meeting-recap-september-2024/">struck rates by 50 basis points</a> during the September meeting. The target range is now at 4.75-5 percent.  </p> <p><span style="font-size: 1em;">The benchmark rate doesn’t directly shift auto rates, but it affects the number that </span><a class="Link" href="https://www.bankrate.com/loans/auto-loans/fed-rates-and-auto-loans/">auto lenders base their rates on</a><span style="font-size: 1em;">. As the Fed's benchmark rate falls, auto loan rates are likely to dwindle as well. But this shift does not occur overnight, and borrowers will likely not see meaningful change for a few more rate cuts.  </span></p> <p> </p></div> </div> </div> </noscript> </li> </ul> </div> <div id="credit-score" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h3><a class="Link" href="https://www.experian.com/automotive/auto-credit-webinar-form"></a>Auto loan rates by credit score</h3> <div> <p>As mentioned, lenders use credit score as the primary determinant of a potential borrower's ability to pay off a loan. So, the better your credit score is, the more competitive interest rates you will receive. Below are the average APRs for new and used vehicles in the second quarter of 2024, according to <a class="Link" href="https://www.experian.com/automotive/auto-credit-webinar-form?cmpid=Auto-US-24-101%20Q1%202023%20Auto%20Credit%20Trends_40014&SP_MID=40014-g&SP_RID=21733122-g" target="_blank" rel="noopener">Experian</a>.</p> </div></div> <div x-data="table({ containerId: 'c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff', tableId: 'table-c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff', buttonId: 'button-c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff', rowsToShow: 0, enableTracking: '', trackingHtmlId: '', trackingLocation: '', })"> <div id="c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff" class="table-container" tabindex="0"> <table id="table-c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff" class="Table table-content "> <thead> <tr> <th class="text-left"> CREDIT SCORE</th> <th class="text-right"> NEW CAR LOANS</th> <th class="text-right"> USED CAR LOANS</th> </tr> </thead> <tbody> <tr id="1ee08968-7159-48ad-84eb-085213b18603" class=""> <td data-col="1" class="text-left"> 781 to 850 (super prime)</td> <td data-col="2" class="text-right"> 5.25% </td> <td data-col="3" class="text-right"> 7.31%</td> </tr> <tr id="7b211bae-a304-41af-b906-a0f932b19d61" class=""> <td data-col="1" class="text-left"> 661 to 780 (prime)</td> <td data-col="2" class="text-right"> 6.87%</td> <td data-col="3" class="text-right"> 9.36%</td> </tr> <tr id="a9f7ad0e-de7d-4399-be3c-14e4e42ce1a1" class=""> <td data-col="1" class="text-left"> 601 to 660 (nonprime)</td> <td data-col="2" class="text-right"> 9.83%</td> <td data-col="3" class="text-right"> 13.92%</td> </tr> <tr id="9d253105-db2d-4302-b18f-a4d0f9d739e0" class=""> <td data-col="1" class="text-left"> 501 to 600 (subprime)</td> <td data-col="2" class="text-right"> 13.18%</td> <td data-col="3" class="text-right"> 18.86%</td> </tr> <tr id="7f75def7-1754-40f7-9542-22adc8974dd2" class=""> <td data-col="1" class="text-left"> 300 to 500 (deep subprime)</td> <td data-col="2" class="text-right"> 15.77%</td> <td data-col="3" class="text-right"> 21.55%</td> </tr> </tbody> </table> <table id="header-fixed-c01c0de8-b1e1-4a84-be2c-6cd4f9dea8ff" class="Table table-content header-fixed display-none"></table> </div> <div class="mt-4 mb-8"> </div> </div> </div> <div id="factors" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2>What factors contribute to auto loan interest rates?</h2> <p>While it is true that the interest rate you will receive varies depending on the lender and is somewhat out of your control, there are still choices you can make to increase approval. Consider these aspects and how they will affect loan approval and rates: </p> <ul> <li><strong>Your credit </strong><strong>history:</strong> Lenders use <a class="Link" href="https://www.bankrate.com/loans/auto-loans/average-car-loan-interest-rates-by-credit-score/">credit scores</a> to measure the risk that borrowers carry. Very simply, the lower your credit score is, the higher your interest rate will be.   </li> <li><strong>Vehicle down </strong><strong>payment:</strong> Putting down a large <a class="Link" href="https://www.bankrate.com/loans/auto-loans/car-loan-down-payment-benefits/">down payment</a> will not only bode well with lenders but will decrease the amount you are borrowing — saving you more money down the line.  </li> <li><strong>Loan </strong><strong>term:</strong> Typically, a longer-term loan will equate to higher interest rates and more interest paid over the life of the loan. But a longer-term loan will decrease your monthly payment.  </li> <li><strong>Education and work </strong><strong>history:</strong> Many lenders are expanding underwriting criteria outside of the sole measure of your credit score. This means you can still benefit from a competitive rate if you have a strong profession or educational background — with or without a perfect credit score.   </li> <li><strong>Vehicle </strong><strong>age:</strong> An older vehicle can carry additional risk of issues for both you and your lender. So, you can expect an older car to carry higher rates.</li> </ul></div> <div class="wysiwyg display-block w-full"> <h3>How to calculate auto loan interest</h3> <p>It’s smart to determine your expected monthly payment prior to signing off on your next loan. Not only will it put you in control of your finances, but it can ensure that you don’t end up paying more interest than you should. Use our tool below to determine how different interest rates will impact your monthly payment. </p></div> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> <div class="calculator"> <div id="calculator" class="ral-calculator"></div></div> <div class="vertical-spacer pt-4" style="width: 100%; content: '';"></div> </div> <div id="before" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2 id="what-to-know">What to know before applying for an auto loan</h2> <div> <p>When <a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-to-know-before-applying-auto-loan/">looking for a car loan</a>, it is best to shop around with a few lenders before making your decision. Each lender has its own method when reviewing your <a class="Link" href="https://www.bankrate.com/loans/auto-loans/auto-loan-documentation-checklist/">application for a loan</a> and setting your interest rate and terms. Check your credit ahead of shopping to ensure you qualify for lenders you may have your sights set on. </p> <p>Generally, your credit score will have the biggest effect on the rates you're offered. The higher your credit score, the lower APR you will receive. Having a higher credit score may also allow you to take out a larger loan or access a broader selection of repayment terms, but there are still ways to <a class="Link" href="https://www.bankrate.com/loans/auto-loans/car-loan-with-bad-credit/">finance a car with bad credit</a>. Choosing a longer repayment term will lower your monthly payments, although you will also pay more interest overall.  </p> <p>If you find a few lenders that you like, see if they offer prequalification — going through this process will let you see which rates you qualify for without affecting your credit score. </p> </div></div> </div> <div id="how-to-apply" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <h2 id="what-to-know">How to apply for an auto loan</h2> <p>To <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-to-get-an-auto-loan/">get the auto loan</a> that’s right for your situation, follow these steps:</p> <ol> <li><strong>Determine your auto loan budget:</strong> The first step is to understand what you can truly afford. Consider your current finances along with loan and vehicle upkeep costs to find this number.</li> <li><strong>Check your credit report:</strong> The better your credit score is, the more competitive your rates will likely be. Use your credit score to guide which lenders make the most sense to apply to — based on lender requirements.</li> <li><strong>Apply for auto loan preapproval:</strong> With auto loan preapproval you can lock in a rate before shopping for your car. This extended period allows you time to compare vehicle options and help with negotiating at the dealership. </li> <li><strong>Shop for your car:</strong> Make use of online reviews found on sites like Kelley Blue Book or Edmunds to confirm the vehicle meets your needs along with any lender restrictions. </li> <li><strong>Compare dealership offers: </strong>While dealership loan rates tend to be slightly higher than other options it is smart to compare, especially if you have a preapproved option to use as leverage.</li> <li><strong>Finalize the auto loan:</strong> At this point, you’ll need documents like proof of insurance and a vehicle title to seal the deal.  </li> <li><strong>Start making payments:</strong> Keeping up with your monthly payments is vital in making sure the vehicle becomes yours and ensuring your credit comes out unscathed. Consider signing up for autopay so you never miss a payment.  </li> </ol></div> </div> <div id="manage" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How to manage a car loan </h2> <p>The key to <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-to-manage-an-auto-loan/">managing your car loan</a> is sticking to a budget and understanding how your agreed-upon payment timeline impacts it. Otherwise, you put yourself at risk of losing your vehicle and running into trouble. If you are on the brink of missing a payment, reach out to your lender as soon as possible to seek a solution. </p> <p>You can make extra payments to <a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-if-i-pay-off-my-car-loan-early/">pay off your loan earlier</a> to save on interest. But consider how early payoff can impact your credit — it can drop your score by a few points. Not all lenders allow early loan payoff. Approach your auto loan pay-off with care to ensure it fits best with your financial situation.</p></div> </div> <div id="faq" class="SectionWithTocItem " > <div class="wysiwyg display-inline"> <div> <h2 id="faq">FAQs about auto loans</h2> </div></div> <ul class="Accordion w-full" data-cy="accordion-4a53eb7c-90fb-49f8-8f9f-20943897d1f6"> <li x-id="['panel-where-can-i-get-an-auto-loan', 'heading-where-can-i-get-an-auto-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-where-can-i-get-an-auto-loan')" :aria-controls="$id('panel-where-can-i-get-an-auto-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" where can i get an auto loan? " data-position="1" data-text=" Where can I get an auto loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Where can I get an auto loan? </span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-where-can-i-get-an-auto-loan')" :labelledBy="$id('heading-where-can-i-get-an-auto-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>When shopping for vehicle financing, there are three primary places to start your search.</p> <ul> <li><strong>Online lenders:</strong> This option makes the comparison of rates, terms and special features seamless. Many times, online lenders boast fast funding and an easy application process.</li> <li><strong>Banks or credit </strong><strong>unions:</strong> If you prefer the tradition of a bank, securing financing that way is great for those who want an in-person experience. Plus, borrowers with previous relationships with a bank can likely benefit from improved rates.</li> <li><strong>Dealership </strong><strong>financing:</strong> While not always the lowest APRs, dealership financing is handled in conjunction with vehicle purchases and can expedite the process.</li> </ul></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-where-can-i-get-an-auto-loan')" :labelledBy="$id('heading-where-can-i-get-an-auto-loan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>When shopping for vehicle financing, there are three primary places to start your search.</p> <ul> <li><strong>Online lenders:</strong> This option makes the comparison of rates, terms and special features seamless. Many times, online lenders boast fast funding and an easy application process.</li> <li><strong>Banks or credit </strong><strong>unions:</strong> If you prefer the tradition of a bank, securing financing that way is great for those who want an in-person experience. Plus, borrowers with previous relationships with a bank can likely benefit from improved rates.</li> <li><strong>Dealership </strong><strong>financing:</strong> While not always the lowest APRs, dealership financing is handled in conjunction with vehicle purchases and can expedite the process.</li> </ul></div> </div> </div> </noscript> </li> <li x-id="['panel-what-are-used-car-loan-interest-rates', 'heading-what-are-used-car-loan-interest-rates']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-are-used-car-loan-interest-rates')" :aria-controls="$id('panel-what-are-used-car-loan-interest-rates')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what are used car loan interest rates? " data-position="2" data-text=" What are used car loan interest rates? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What are used car loan interest rates?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-are-used-car-loan-interest-rates')" :labelledBy="$id('heading-what-are-used-car-loan-interest-rates')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Average used car interest rates range from 6.80 percent to 21.57 percent, depending on your credit score, with the mean for all borrowers being 11.91 percent, according to the most recent statistics from Experian. Used car finance rates tend to be higher than those offered for new car purchases. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-are-used-car-loan-interest-rates')" :labelledBy="$id('heading-what-are-used-car-loan-interest-rates')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Average used car interest rates range from 6.80 percent to 21.57 percent, depending on your credit score, with the mean for all borrowers being 11.91 percent, according to the most recent statistics from Experian. Used car finance rates tend to be higher than those offered for new car purchases. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-how-do-you-get-prequalified-for-an-auto-loan', 'heading-how-do-you-get-prequalified-for-an-auto-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-how-do-you-get-prequalified-for-an-auto-loan')" :aria-controls="$id('panel-how-do-you-get-prequalified-for-an-auto-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how do you get prequalified for an auto loan? " data-position="3" data-text=" How do you get prequalified for an auto loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How do you get prequalified for an auto loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-how-do-you-get-prequalified-for-an-auto-loan')" :labelledBy="$id('heading-how-do-you-get-prequalified-for-an-auto-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>You can <a class="Link" href="https://www.bankrate.com/loans/auto-loans/prequalification-vs-preapproval/">prequalify</a> for an auto loan online and without ever leaving your home. All you have to do is select one of the lenders on this list and choose its online option to “get prequalified” or “apply for a loan.” Many lenders let you get prequalified for an auto loan without a hard inquiry on your credit report.   </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-how-do-you-get-prequalified-for-an-auto-loan')" :labelledBy="$id('heading-how-do-you-get-prequalified-for-an-auto-loan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>You can <a class="Link" href="https://www.bankrate.com/loans/auto-loans/prequalification-vs-preapproval/">prequalify</a> for an auto loan online and without ever leaving your home. All you have to do is select one of the lenders on this list and choose its online option to “get prequalified” or “apply for a loan.” Many lenders let you get prequalified for an auto loan without a hard inquiry on your credit report.   </p></div> </div> </div> </noscript> </li> <li x-id="['panel-what-credit-score-do-you-need-to-get-a-loan-on-a-car', 'heading-what-credit-score-do-you-need-to-get-a-loan-on-a-car']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" :aria-controls="$id('panel-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what credit score do you need to get a loan on a car? " data-position="4" data-text=" What credit score do you need to get a loan on a car? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What credit score do you need to get a loan on a car?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" :labelledBy="$id('heading-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>The <a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-credit-score-do-you-need-to-buy-a-car/">credit score required for an auto loan</a> varies based on where you buy and how much you borrow. At a buy-here, pay-here lot you may not need as strong of a credit score as you might elsewhere. Typically, however, you should aim for a credit score of 670 or higher to get close to average rates. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" :labelledBy="$id('heading-what-credit-score-do-you-need-to-get-a-loan-on-a-car')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>The <a class="Link" href="https://www.bankrate.com/loans/auto-loans/what-credit-score-do-you-need-to-buy-a-car/">credit score required for an auto loan</a> varies based on where you buy and how much you borrow. At a buy-here, pay-here lot you may not need as strong of a credit score as you might elsewhere. Typically, however, you should aim for a credit score of 670 or higher to get close to average rates. </p></div> </div> </div> </noscript> </li> <li x-id="['panel-can-you-negotiate-apr-on-a-car-loan', 'heading-can-you-negotiate-apr-on-a-car-loan']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-can-you-negotiate-apr-on-a-car-loan')" :aria-controls="$id('panel-can-you-negotiate-apr-on-a-car-loan')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" can you negotiate apr on a car loan? " data-position="5" data-text=" Can you negotiate APR on a car loan? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Can you negotiate APR on a car loan?</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-can-you-negotiate-apr-on-a-car-loan')" :labelledBy="$id('heading-can-you-negotiate-apr-on-a-car-loan')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Yes, you should negotiate your interest rate as you would <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-to-negotiate-car-price/">negotiate the car’s price</a>. It is especially helpful to use other loan offers as leverage for getting the most competitive rate. </p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-can-you-negotiate-apr-on-a-car-loan')" :labelledBy="$id('heading-can-you-negotiate-apr-on-a-car-loan')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-inline"> <p>Yes, you should negotiate your interest rate as you would <a class="Link" href="https://www.bankrate.com/loans/auto-loans/how-to-negotiate-car-price/">negotiate the car’s price</a>. It is especially helpful to use other loan offers as leverage for getting the most competitive rate. </p></div> </div> </div> </noscript> </li> </ul> </div> <div id="methodology" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How we choose our best auto loan lenders</h2></div> <div class="MethodologyDetails w-full display-flex flex-direction-column rounded-lg box-shadow-2"> <div class="MethodologyDetails-heading display-flex flex-direction-column gap-y-2 sm:flex-direction-row sm:gap-x-2 justify-content-space-between mx-6 my-4"> <div class="display-flex flex-direction-column sm:flex-direction-row"> <span class="h-7 sm:h-6" aria-hidden="true"> <svg width="24" height="24" class="mr-0 mb-1 sm:mr-4 sm:mb-0 display-inline" width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Bankrate logo</title> <rect width="32" height="32" rx="4" fill="#0157FF" /> <path fill="#ffffff" fill-rule="evenodd" clip-rule="evenodd" d="M20.0705 16.0299C19.7404 15.7036 19.364 15.4236 18.9524 15.1982C19.0949 15.0614 19.2272 14.915 19.3482 14.7602C20.0268 13.8733 20.3526 12.7829 20.267 11.6857C20.196 10.5387 19.6941 9.45526 18.8542 8.63624C17.8763 7.72575 16.5555 7.23461 15.1936 7.27505H10.4727V24.7238H16.0372C17.4884 24.7756 18.898 24.2532 19.936 23.2787C20.9739 22.3042 21.549 20.9633 21.5266 19.5701C21.5446 18.2523 21.0215 16.9807 20.0705 16.0299ZM15.1936 9.3099C17.1091 9.3099 18.0539 10.5713 18.1405 11.8216C18.2068 13.1109 17.2481 14.2402 15.9188 14.4386H12.5934V9.3099H15.1936ZM12.5934 22.6889H16.0286H16.0372C18.3717 22.6889 19.4147 21.0727 19.4147 19.5701C19.4147 18.1341 18.4526 16.4707 15.731 16.4707H12.5934V22.6889Z" /> </svg></span> <h3 class="type-body-one text-crop-none p-0 m-0"> Bankrate's trusted auto loans industry expertise </h3> </div> <div class="SimpleLink"> <a class="Link Link--standalone text-base" href="https://www.bankrate.com/loans/auto-loans/lender-reviews-methodology/" > Read our full methodology</a> </div></div> <hr class="border-gray-light border-solid border-b-2 m-0 p-0" aria-hidden="true"> <div class="display-flex flex-direction-column gap-y-6 mx-6 mt-4 mb-6"> <p class="m-0 p-0 text-slate"> </p> <div class="MethodologyDetails-categories display-flex p-4 sm:py-4 sm:px-16 justify-content-space-between align-items-flex-start align-content-flex-start gap-x-2 gap-y-8 align-self-stretch flex-wrap sm:flex-nowrap"> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">48</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">years in business</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">37</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">lenders reviewed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">18</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">loan features weighed</p> </div> <div class="MethodologyCategory display-flex flex-direction-column text-left sm:text-center"> <p class="display-flex align-items-flex-end m-0 p-0 w-full justify-content-flex-start sm:justify-content-center flex-wrap"> <span class="type-heading-two font-circular-bold leading-10 font-bold">666</span> </p> <p class="MethodologyCategory-label display-block text-slate m-0 p-0 mt-1">data points collected</p> </div> </div> </div> </div> <div class="vertical-spacer pt-8" style="width: 100%; content: '';"></div> <div class="wysiwyg display-block w-full"> <p>The Bankrate team assessed more than 35 auto lenders to find the best. Bankrate considered 18 criteria, such as acceptance criteria, loan amounts and APR range. These scores are broken into <a class="Link" href="https://www.bankrate.com/loans/auto-loans/lender-reviews-methodology/">four categories</a>.</p></div> <ul class="Accordion w-full" data-cy="accordion-e8a13c2f-4499-4259-bd59-8c7f30219ef2"> <li x-id="['panel-availability', 'heading-availability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-availability')" :aria-controls="$id('panel-availability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" availability " data-position="1" data-text=" Availability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Availability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-availability')" :labelledBy="$id('heading-availability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Loan amounts, repayment options, dealership requirements and state availability all contribute to this category. Lenders that serve customers nationwide with flexible loan amounts rank higher.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-availability')" :labelledBy="$id('heading-availability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Loan amounts, repayment options, dealership requirements and state availability all contribute to this category. Lenders that serve customers nationwide with flexible loan amounts rank higher.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-affordability', 'heading-affordability']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-affordability')" :aria-controls="$id('panel-affordability')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" affordability " data-position="2" data-text=" Affordability " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Affordability</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-affordability')" :labelledBy="$id('heading-affordability')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This section houses APR ranges, acceptance criteria, fees and discounts. Lenders with the lowest rates, fewer fees and most generous acceptance criteria receive higher scores.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-affordability')" :labelledBy="$id('heading-affordability')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This section houses APR ranges, acceptance criteria, fees and discounts. Lenders with the lowest rates, fewer fees and most generous acceptance criteria receive higher scores.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-customer-experience', 'heading-customer-experience']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-customer-experience')" :aria-controls="$id('panel-customer-experience')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" customer experience " data-position="3" data-text=" Customer experience " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Customer experience</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Our team looked at how easy it is for customers to apply for and manage their loans. Criteria include how long you have to shop, customer service hours, whether there’s an app and autopay availability.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-customer-experience')" :labelledBy="$id('heading-customer-experience')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>Our team looked at how easy it is for customers to apply for and manage their loans. Criteria include how long you have to shop, customer service hours, whether there’s an app and autopay availability.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-transparency', 'heading-transparency']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-transparency')" :aria-controls="$id('panel-transparency')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" transparency " data-position="4" data-text=" Transparency " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h3 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Transparency</span> </h3> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-transparency')" :labelledBy="$id('heading-transparency')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This includes prequalification and disclosure of rates and fees. We favored lenders that make it easy for customers to preview possible costs.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-transparency')" :labelledBy="$id('heading-transparency')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>This includes prequalification and disclosure of rates and fees. 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