Our Help Section
How can I benefit by using The-Car-Loans.com ?

Our project is for anyone who knows what type of auto loan or auto insurance they want and who is looking for a low cost auto loan or auto insurance with fast and easy approval. Check out the rates on the other websites, and then come to us for a low cost, efficient loan on the all Web ! It’s fast, it’s easy, and it’s totally online.

What’s the procedure to apply for your financial products online?

The procedure is extremely simple, all you need to do is just fill up the application form at our Car Loans website and submit it online. The approval takes place immediately after you submit the application on any of the business days.

Is my application and financial information secure?

We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

What happens after I apply with Car Loans on this website?

You will receive an e-mail within 24 hours of submission of your application. This e-mail will indicate the status of your application and the next steps you need to take.

Is there an application fee?

TCL never charges applicants a fee to qualify for any of our products.

Does the online form obligate me to taking out a loan?

No. When you fill out our online application, you are only stating that you wish to have our agents approve you and contact you to discuss your options. You may still ask us any questions, and withdraw your request at this time. If you are ready to proceed, you may confirm your information and agree to terms with one of our representatives.

What is the interest rate for my auto loan?
Interest rates are determined by the actual lenders and are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. Your car loan expert will explain these factors, and tell you exactly what your interest rate will be.

How long does the application process take?
You will be contacted very promptly by the Regional Processing Center handling your loan request. The approval process usually takes anywhere from several minutes to a few hours.

Can I get an auto loan even if I have bad credit?
Of course! Our lenders will work with you every step of the way to help get you approved ! Our lenders specialize in helping you get the auto loan you deserve.

Will it help if I have a co-signer on the loan?
If the credit status of your co-signer is good, this will definitely help your chances of getting an approval.

Are there any fees associated with your auto loan application?
This is an absolutely free service.

What kind of vehicles can I get through your service?
Our nationwide network of auto dealers provide all types of vehicles, both new and used. Sport Utility Vehicles, Vans, Trucks, Passenger Cars, Luxury Cars and Sports Cars.

If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?
All of our Dealers offer Protection Plans and Extended Warranties that will cover your vehicle and give you peace of mind.

Is a down payment required?
No, you will not have to make a down payment.

When will my first monthly loan payment be due?
Your monthly payments will fall on the due date you specify on your loan application – and your first payment will be due on the first occurrence of your due date. For example, if you select the 15th of each month for your payment due date and your check is funded on the 10th day of March, then your first payment would be due on the 15th of April. Note: If the first payment falls on a weekend or holiday, the payment will be due on the next business day.

If I choose to sell my car to another individual, can my loan be assumed, or taken over, by that person?
No, your loan is not assumable by another party.

What is the largest loan amount I can get?
You may apply for a loan amount up to $35,000. However, we suggest you apply for a loan based on your need. If you apply for a loan greater than that which you qualify for, we will let you know. You can then decide whether to proceed with a new loan request.

Are there any penalties for prepaying my loan?
No, you may pay off either a portion of your loan or the entire amount at any time without incurring any penalties. Any payment you make above your regular monthly payment is usually applied to the principal balance of the loan.