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Credit Direct
credit direct auto loans 2023 review published 2023-01-01-01 00:00:00
Written by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers to navigate the ins and outs of securely taking out loans to purchase a car.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain confidence to manage their finances with concise, well-researched and well-studied content that breaks down otherwise complex subjects into digestible chunks.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with financial calculators and interactive tools that provide objective and original content, by enabling users to conduct research and compare information for free - so that you can make financial decisions with confidence. Bankrate has agreements with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are advertised on this website are provided by companies who pay us. This compensation may impact how and where products appear on this website, for example, for example, the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law. This applies to our mortgage home equity, mortgage and other home lending products. But this compensation does have no impact on the information we publish, or the reviews that you see on this site. We do not contain the entire universe of businesses or financial offers that may be available to you.
About our reviews Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed nor acknowledged by any advertising company. The information, including rates and fees, presented in the review is accurate at the time that the review was written. Check the data at the top of this page and the lender's site for the most up-to-date information.
A glance 4.0 Rating 4 stars out five
Bankrate Score
Availability Rating: 3.5 stars out of 5
Affordability Rating: 3.4 stars out of 5
The Customer Service Rating is 3.8 stars out of five
Transparency Rating 5 stars out of 5
Check auto loan rates
About the amount of a Credit Direct Loan, which is $1,000 to $40,000
Min. credit score not specified
APR from 5.99%-29.99 percent
Funds available in between 48 and 72 hours
Credit Direct pros and cons The credit direct personal loans for purchases of cars can be accessed by people who have different financial histories, and you can get prequalified and not affect your score on credit. Still, their availability is limited to a handful of states.
PROS Flexible loan amounts
No hard inquiry
Acceptance criteria for a range of categories
CONS is only offered in eleven states
Maximum loan amount of a small amount loan amount
Credit Direct is a personal loan marketplace that offers loans in-person and by its reliable partner network to borrowers who are looking for loans. The vehicle purchase loans provided by Credit Direct have a lower minimum loan amount than most, perfect for drivers looking to finance a smaller purchase. The loans are not secured, meaning that the interest rates offered tend to be a bit higher.
Do you qualify? Credit Direct doesn't specify eligibility requirements on its website or over the phone. However, it does state that borrowers with all ranges of credit scores are welcome to apply. You may be approved if your score is between 500 to 600. You should also be able to prove a stable, reliable source of income that allows you to pay on time monthly payment. What we like and what do not like? Think about the risks and benefits that the loan that is made through Credit Direct brings.
We love flexibility: Drivers can get loans of as little as $1000 -- perfect for buying an old car for parts. Plus, you'll have the car for free as it's . There is no hard inquiry: You are able to look up rates and conditions without having to go through an in-depth credit assessment. The range of criteria for acceptance: Credit Direct uses underwriting criteria which take more than credit history into account. What we don't like Limited state availability: Credit Direct's personal loans are only available across 11 states. Small maximum loan sum: A loan amount of just $40,000 isn't enough to be enough to cover the cost of an average loan that surpassed $48,000 by the final year of 2022. How to contact Credit Direct Credit Direct offers limited 24 hour support through its contact center at 866-414-4198. The full service is offered in its regular working hours, which are 9 a.m. to 6 p.m. ET Tuesday through Thursday, and 9 a.m. until 5 p.m. ET for Fridays.
Auto loan types offered Credit Direct provides personal loans that can be used to buy used or new vehicles.
Loan quick facts Amounts: $1,000-$40,000 Terms: 12-60 months APR: 5.99%-29.99%
Credit Direct offers personal loans for repairs and purchases of vehicles. A car purchase personal loan through Credit Direct can be used to finance your next vehicle or purchase a new one to purchase parts. Unlike a conventional auto loan, by the vehicle you're purchasing. Its minimum loan amount is much smaller than other auto loan companies, meaning you don't have to borrow more than you need. Also, you'll have the option to take your cash to the dealership you prefer. How do I apply for a loan with Credit Direct The application process is completely automatic through Credit Direct's website. Credit Direct site and takes only minutes with no hard inquiry. Based on the Credit Direct website, the process is simple, and you can receive funds in as little as up to 72 hours through direct deposits. Choose the loan amount. Fill in the online form with the necessary information to check your anticipated rates. Check out loan options. In just a few moments, Credit Direct will present you with varying loan options to review. Be attentive to the APR and terms. Sign and accept. If the loan offers meet your needs You can complete the paperwork directly online. Receive the money. Finally, you will be able to receive your funds via direct deposit.
Required application information Social Security number Vehicle information The amount of the loan Two months of Bank statements. One month's pay-stubs. Most recently issued W2 government ID
Credit Direct FAQs
Are you sure that Credit Direct a direct lender or does it offer loans through third-parties? Credit Direct both originates personal loans and is dependent on its network of lenders to help borrowers find the best deal.
Are you able to use a co-signer to apply for credit through Credit Direct? Yes, co-signers can be included in loan applications to assist or be eligible for better terms.
Does Credit Direct do a hard pull? A hard credit pull is only necessary if you take an offer for a loan offer and proceed by submitting a formal application. However, you can view possible rates using not affecting the credit rating.
How Bankrate rates Credit Direct
Overall score
4.0
Accessibility
3.8
Credit Direct only offers loans in 11 states. The low maximum loan amount is offset by flexible terms and a modest minimum amount.
Affordability
3.4
Credit Direct scores decently due to its flexible underwriting criteria but still holds steep APRs in comparison to its competitors.
Customer experience
3.6
Although there is a limited 24-hour helpline support customers are able to reach out for full assistance during the workweek.
Transparency
5.0
Credit Direct discloses expected rates as well as terms, as well as encourages applicants to prequalify.
Methodology Bankrate considers 18 data points when selecting top auto loans. Acceptance criteria, charges and rates are readily available and the range of APR all affect lender scores. These scores are broken up in four different categories. Availability: Loan amounts as well as repayment options, dealer requirements and state availability all contribute to this category. Accessibility: This section includes APR ranges acceptance criteria, discounts and fees. Customer experience: How long you have to shop for, the customer service hours, whether there's an app and availability of autopay are all taken care for in this section. Transparency: This section accounts for the availability of fees and rates and whether or not prequalification is offered.
Disclosure of author: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer , and have not been reviewed nor acknowledged by any advertiser. The information, including rates and fees that are included in the review is accurate as of the date when the review first appeared. Review the data in the upper right hand corner of the page, and the lender's website to find the most current information.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely taking out loans to purchase the car they want.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to manage their finances through providing concise, well-researched and well-written data that breaks otherwise complicated topics into bite-sized pieces.
Auto loans editor
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