Fast Online Auto Loans is part of a nationwide automobile loan operation that's been in business for 20 years and has processed more than 5 Million applications.

We don't ask for any personal information until you are on a secure, encrypted server, we don't sell your personal information for reasons of solicitation and we are in good standing with the Better Business Bureau.

Your online application will be processed at our home office in Richmond, Virginia and then routed to a local loan officer located in an auto dealership in your area. We work only with licensed, franchised dealers because that's the way banks and credit unions work -- 80 percent of all car purchases in the United States are handled this way. Our dealers are electronically linked to hundreds of lenders, and they work to slot you to the lowest rate your credit score will allow.

Our online auto loan application is free and puts you under no obligation. Depending on the time of day you apply, you'll (generally) hear from our local loan officer within an hour. You'll be asked to set an appointment so loan details can be handled face-to-face (which is the best way we know to protect your sensitive, personal financial information.

If you don't like the loan rates or available vehicles, you can walk away. No pressure, no hassles -- just a guilt-free way to get an auto loan.

What makes us different -- and better

If you have bad credit, if you have a bankruptcy on your record, if you are self-employed or have a credit ding because of a recent divorce THE ODDS ARE WE CAN HELP!

Don't be taken advantage of because of a bad credit history. Our simple online application will link you to hundreds of dealers and hundreds of lenders all familiar and experienced with dealing with credit issues. You can get the financing you need for the car you want, and help yourself re-establish your credit while driving your new car!

This is an absolutely free service. We believe everyone deserves another chance at having credit and it is our mission to help you find it.

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Loan Rates

Auto loan
rates depend
on your
credit score,
whether you are
buying a new or used,
and how long you
will take to repay.

It is no surprise
that the lower your
credit score, the more
you'll pay.

What is a surprise is that it's not as expensive as you might think. The difference between a $10,000 loan at 9 percent and the same loan at 18 percent is only $1.49 a day. You can spend that much on your morning coffee -- and that coffee stop isn't going to fix your credit like an auto loan will.

So before you go car shopping:
• learn your credit score (you can do it for free at
• visit to see what kind of interest rate you can expect to pay.
• use an auto loan payment calculator to set your monthly budget.

Apply now We cover both new and used cars