How does it work?
- Fill out our fast and easy online form
- Connect with a local dealer or lender
- Purchase your new car!
It's never been easier!
The entire online, no hassle process takes a few minutes and is secure. Our network offers a full range of options for people with excellent credit as well as bad credit. If you are 18 years or older and have a regular source of income, you can be approved. Once you’ve completed the forms and we’ve connected you with a partner, all you need to do is review the terms, accept the loan and drive away in your new car.
What if I have bad or no credit?
Regardless of your credit situation, we may be able to help you get the auto financing you need. We work with a large network of dealerships and lenders that may give you a second chance and get approved fast for sub-prime auto financing, sometimes with little to no down payments.
What if I'm going through bankruptcy or repossession?
You may still qualify if you meet the requirements even if you're currently going through bankruptcy or repossession. Auto loans are one of the best ways to help you rebuild your credit score.
Are there any fees?
MegaCarLoans will always be provided free of charge, but each lender has different terms. The lending partner you are connected with must provide you with a full disclosure of their terms including fees and/or interest upon approval. Please be sure to read them carefully before accepting the loan.
What is the APR I can expect for a loan?
MegaCarLoans is not a lender and does not provide loans. We connect you with our vast network of dealerships and lending partners to get the auto loan you need. Since we are not issuing the loans ourselves, we can not provide you with an exact Annual Percentage Rate (APR). Please check the loan terms provided by the lending partner for all interest rates and fees.