Drive off at 5.49% APR.

Finance a new or used vehicle with rates as low as 5.49% APR. Get pre-qualified in minutes and shop with a real offer in hand — no dealer markup.

Get pre-qualified
5.49%Starting APR, new
7.49%Starting APR, used
72moMaximum term
Auto Loan
60-month term · 5.49% APR
Loan amount
$32,000
▲ Pre-qualified in 90 seconds
Rate locked 30 daysShop like a cash buyer
Est. monthly payment
$612/mo over 60 months
Works at any dealer
Or buy from a private seller
No prepayment penalty
Pay it off early, anytime
Pre-qualify in 90sReal rate, real offer
Soft credit checkTo see your rate
SHOP LIKE A CASH BUYER

I walked into the dealership with a pre-qualified offer already in hand. Their finance manager couldn't beat it.

Built for buyers

Financing that beats the dealer.

Get pre-qualified before you shop, then use your offer at any dealership or with a private seller.

New & used vehicles

Finance a new car, a used car, or refinance an existing auto loan at a lower rate.

Pre-qualify in 90 seconds

See your real rate and monthly payment before you ever set foot on a lot.

Rate locked 30 days

Your quoted rate holds for 30 days, so you can shop around without losing your offer.

No dealer markup

Skip the dealership's financing office — bring your own pre-approved rate to the table.

No prepayment penalty

Pay off your loan early anytime and save on interest — we never charge you for it.

Private-party purchases

Buying from an individual, not a dealer? Our auto loans cover that too.

Interactive calculator

Estimate your monthly payment.

Adjust the vehicle price, down payment and term to see an estimated fixed monthly payment.

Auto loan calculator

New vehicles qualify for our lowest rates; used vehicle rates run slightly higher.

Vehicle price$32,000
$5,000$120,000
Down payment10% · $3,200
$050%
Loan term
Estimated monthly payment
$612
On a $28,800 loan at an estimated 5.49% APR over 60 months.
Total interest
$4,003
Total cost
$32,803
Protection

Shop with confidence.

Walk onto any lot — or meet any private seller — with a real, locked-in rate already in hand.

Soft credit checkGetting pre-qualified never affects your score.
Fixed rate, alwaysYour APR never changes once you're approved.
No hidden feesWhat you see in your offer is what you pay.
Bank-grade encryptionYour application data is encrypted end-to-end.
Get started

Get pre-qualified in 90 seconds.

Tell us a bit about the vehicle you're after. A soft credit check only — it never affects your score.

By submitting, you agree to a soft credit check to estimate your rate. This will not affect your credit score.

BOUGHT WITH CONFIDENCE Jordan Blake
Jordan Blake
Financed a used SUV · Denver
I pre-qualified from my couch in two minutes. At the dealership, their rate couldn't touch mine — I just handed them my offer.
Jordan BlakeDenver · Auto loan with FutureBank, 2025
New or used?Ask our AI to help you compare rates and terms before you shop.
Get pre-qualified · 90 seconds

Ready to find your ride?

Get pre-qualified today and shop any dealership — or private seller — with real rate in hand.

Starting APR, new5.49%
Starting APR, used7.49%
Max term72 months
Rate lock30 days