Get preapproved for a better car payment.
You don’t have to stick with the dealer’s terms! Let us check your options to see if you can lower your payment and interest rate. Checking uses a soft pull, so there is zero impact to your credit score. Explore your options today!
Preapproval is subject to lender review. Terms, rates, and payment options vary by applicant and vehicle.
Here are a few examples of what customers had to say about working with us.
Check your options
Your Application
The application process is brief. We ask for basic information about you, your current auto loan, your vehicle, and any auto warranties.
You also need to get pre-qualified for your new loan by submitting to a soft credit check, which will not affect your credit score in any way. A hard inquiry (which will be recorded by credit bureaus) will not be made unless you decide to move forward with the new loan.
Finding Your New Loan
Next, Honest Car Payment will search our network of lending partners for a better loan deal for you. We are always completely transparent with the loan agreements we find. We’ll even search for overcharges in your current financing for potential refunds and return them to you.
Once we’ve found you the best possible deal on a new loan, we’ll contact you and show you our findings. We’re always happy to walk you through the new terms and answer any questions you have. We make all the loan details available to you, and all Honest Car Payment charges will be displayed transparently on the new loan contract. No hidden fees. No loan markups. No surprises.
Paying Off Your Original Loan
If you decide to move forward, we will pay off your current loan and use your car as collateral to set you up with your new refinanced loan agreement. We take care of all the paperwork, again with complete transparency to you.
After that, the process is complete! You’ll move forward with your new refinanced loan terms and lower monthly payments.