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Credit Direct
credit direct auto loans: 2023 review Published 2023-01-01 00:00:00
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of borrowing money to purchase the car they want.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain confidence to take control of their finances with precise, well-studied information that break down 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 decisions by providing you with interactive tools and financial calculators that provide objective and original content. We also allow users to conduct studies and compare information for free and help you make sound financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site are from companies that compensate us. This compensation could affect how and where products appear on this site, including for instance, the sequence in which they appear in the listing categories and other categories, unless prohibited by law. Our mortgage or home equity products, as well as other home loan products. However, this compensation will affect the information we provide, or the reviews you see on this site. We do not include the universe of companies or financial deals that may be accessible to you.




Reviewer's disclosures The reviews are written by staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed nor acknowledged by any advertiser. The information such as rates and charges that are included in the review is accurate as of the date of the review. Check the data on the right and the lender's site for the most up-to-date information.








At a glance 4.0 Rating: 4 stars out of 5
Bankrate Score

Availability Rating: 3.5 stars out of 5
Cost of Affordability: 3.4 stars out of 5
Customer Experience Rating: 3.8 five stars of five
Transparency Rating 5-stars out of 5.


Find out about rates for 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 up to 72 hours.



Credit Direct pros and cons The credit direct personal loans to purchase cars are available to borrowers who have different financial histories, and you can get prequalified without impacting your score on credit. Still, their availability is limited to a small number of states.
PROS Flexible loan amounts
No hard inquiry
The acceptance criteria can be varied.

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 trusted partners to borrowers who are looking for loans. The vehicle purchase loans that are offered by Credit Direct have a lower minimum loan amount than the majority of lenders of the other lenders, making them ideal for those who want to finance a less costly purchase. The loans are not secured, which means that the interest rates offered are usually a little higher.
Do you qualify? Credit Direct doesn't specify eligibility criteria on its website or by phone. However, it does state that borrowers with all ranges in credit score are able to apply. You may be approved if your score is between 500 and 600. It is also necessary to have a reliable, steady source of income which allows you to pay on time monthly payments. What we love and what do not like? Consider the risk and advantages that the loan that is made through Credit Direct brings.
What we like Flexibility The ability to get loans of as little as $1000 -- perfect for buying a car in poor condition for parts. Additionally, you'll own the car outright as it's . There is no hard inquiry: You are able to look up rates and terms without having to undergo an in-depth credit assessment. Acceptance criteria vary: Credit Direct uses underwriting criteria which take more than credit history into consideration. We don't like the limited availability by state Personal loans are available only within 11 states. Small maximum loan size: A loan amount of just $40,000 won't even cover the average that surpassed $48,000 by the latter half of 2022. Contact details for Credit Direct Credit Direct Credit Direct offers limited 24-hour support via its call center at 866-414-4198. All support is available during its normal business hours from 9 a.m. to 6 p.m. ET Tuesday through Thursday, and 9 a.m. to 5 p.m. ET during Fridays.
Auto loan kinds offered Credit Direct provides personal loans which can be used to purchase new or used 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 personal auto purchase loan from Credit Direct can be used to finance the purchase of your next car or purchase a new one for parts. Unlike a conventional auto loan, by the car you're purchasing. Its minimum loan amount is significantly lower than most other auto loan providers, which means that you don't need to borrow more than what you require. Also, you'll have the option to take your money to the dealership that you like. How to apply for an loan with Credit Direct The application process is completely automatic on Credit Direct's website. Credit Direct site and takes just minutes and requires no inquiry. Based on the Credit Direct website, the procedure is easy and you can get funds in as little as up to 72 hours through direct transfer. Choose the loan amount. Fill out the online form with the essential information needed to verify the expected rate. Check out loan options. In just a few just a few minutes Credit Direct will present you with various loan options to look over. Be attentive to the APR and length of term. Sign and accept. If the loan options meet your requirements, you can finalize the loan online. You will receive the funds. In the end, 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 all bank statements One month of pay stubs. 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 depends on its network of lenders to assist borrowers in finding the most affordable deal.



Are you able to use co-signers when you apply using Credit Direct? Yes, co-signers can be added to loan applications to assist or qualify for better conditions.



Does Credit Direct do a hard pull? A hard credit check is only required if you take a loan request and then proceed by submitting a formal application. However, you can view potential rates by the way, and it won't affect the score of your credit.



What rates do Bankrate offer Credit Direct
Overall score
4.0
Availability
3.8
Credit Direct only offers loans in 11 states. Its modest maximum loan amount is compensated by flexible terms as well as a tiny minimum amount.
Affordability
3.4
Credit Direct scores decently due to its flexible underwriting criteria however, it has a high APR compared to competitors.
Customer experience
3.6
While there is limited 24/7 customer support via the call center customers are able to contact the center for assistance during work hours.
Transparency
5.0
Credit Direct discloses expected rates and conditions and encourages prequalification.


Methodology Bankrate considers 18 data points when deciding on the top auto loans. Acceptance criteria, whether the rates or fees available and APR range all influence lender scores. These scores are split into 4 categories. The availability of loans as well as repayment options, dealer requirements and state availability all are a part of this section. Affordability: This section contains APR ranges, acceptance criteria, discounts and fees. Customer experience: The length of time you'll have to wait to buy and the availability of customer service, whether there's an app and availability of autopay are all taken care within this segment. Transparency: This category accounts for the availability of fees and rates along with the availability of prequalification.
Disclaimer The reviews are written by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and are not reviewed or accepted by any advertiser. The information that is included, including rates and fees that are included in the review is correct up to the date of the review. Look over the information at the top of this page as well as the lender's site for the most recent details.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the details of borrowing money to purchase a car.
Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to control their finances with precise, well-studied facts that break down complicated subjects into digestible pieces.






Auto loans editor










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