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Car Financing FAQs

  • Am I under any obligation if I apply for a car loan online at CarLoans123.net?
  • Are there any additional car loan fees associated with the CarLoans123.net online auto loan application?
  • What is my car loan Interest Rate going to be?
  • How much will my car payment be?
  • How much money do I need to put down? Can I get a car loan with no money down?
  • How long does the online car loan process take?
  • Do you offer auto loan refinancing?
  • Is it safe to submit my private information to apply for a car loan online?
  • I have been turned down for car loans before, how do I know CarLoans123.net can get me approved?


Am I under any obligation if I apply for a car loan online at CarLoans123.net?

No. Applying through CarLoans123.net will give you a chance to see your options before you buy. A local dealership will call you with your car loan options to tell you how much car loan that you qualify for. There is no commitment if you change your mind.

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Are there any additional car loan fees associated with the CarLoans123.net online auto loan application?

Absolutely not! Our car loan application service is 100% free with no additional costs or fees like some less reputable car loan sites might try to apply. Your actual car loan may have fees associated with it, but you will be able to review and approve or disapprove those before you accept the terms of the car loan.

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What is my car loan Interest Rate going to be?

Your car loan interest rate, or APR (Annual Percentage Rate), depends on many factors: the year... is it a new car loan or a used car loan?, model, and mileage of the purchased vehicle, the number of months over which you pay off your car loan, the amount of your down payment (if any), your current credit situation... do you have good credit... no credit... bad credit?, and the amount you will be borrowing. Once you have submitted your car loan application, an auto finance specialist will be in touch to give you more details within 48 hours or less usually.

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How much will my car payment be?

Your car loan payment is also influenced by many of the same factors your car loan Interest Rate is influenced by. The automobile finance professionals in the CarLoans123.net network of auto dealers and lenders specialize in matching the payment you are trying to target with the best possible vehicle, so that you do not buy more car than you will be able to afford. The last thing we want to do is talk you into a huge car payment you won't be able to make.

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How much money do I need to put down? Can I get a car loan with no money down?

It may be hard to believe, but, many of our auto financing customers can drive away with their new car with absolutely no down payment. Yes, depending on your credit and payment history, you can get a car loan with no down-payment, even a bad credit car loan. Our network of auto financing professionals will make sure that you get the best loan for your unique situation, one that you can afford now and later.

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How long does the online car loan process take?

If you submit your car loan loan application Monday through Friday during normal business hours, you will usually be contacted the same day. However it could take up to 2 or 3 days before you are contacted about your online car loan application in some cases.

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Do you offer auto loan refinancing?

At this time, CarLoans123.net is not offering automobile refinancing; We recommend visiting if you are looking to refinance your auto loan online.

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Is it safe to submit my private information to apply for a car loan online?

Yes! CarLoans123.net's website uses Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to stop unauthorized parties from seeing or accessing any of your personal car loan application information transmitted to or from our website during your visit. Our servers are housed in a secure physical environment, and our network is secured with state of the art Intrusion Prevention devices.

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I have been turned down for car loans before, how do I know CarLoans123.net can get me approved?

CarLoans123.net's network has access to every lender in the USA, period! This includes all auto lenders that offer bad credit car loans or car loans for people with no credit. We have more than 100 combined years of experience bringing car loans to people of all credit types. . If you have a driver's license and a job, we'll have no trouble placing you with the right lender. Remember, car loans are negotiable, just like car prices. Which means there is a car loan available for almost everyone.

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