Frequently Asked Questions

There are no application fees associated with First Choice Auto Loan and no obligation to accept any loan offers presented by any of our participating lenders or dealers. Any terms, rates and costs provided by our dealers and lenders vary depending on your particular credit situation.

After completing your auto finance application through First Choice Auto Loan, we submit your file to our group of lenders and dealers. Once your application is approved, they’ll contact you directly and walk you through the process of finalizing your auto financing.

This usually happens with 24 to 72 hours. In the event that you do not hear from one of our partners, there may have been an issue with your credit worthiness.

Rates depend on a number of factors including loan amount, credit score, and vehicle. Once your application is approved, our partners can discuss interest rate, monthly payment, loan amount and other loan terms specific to you. At no point are you obligated to accept the loan that is offered.

You will have the opportunity to choose the car that suits your particular credit situation. This may be a car available through a dealer who has offered to approve your application, or if you're approved through a lending partner, then you can go to any franchise auto dealer in your state to buy a car.

Many dealers have access to additional vehicle inventory that may not be on their lot, giving you access to a fantastic selection of cars to choose from.

Typically, approvals are completed within 48 hours, however we have great relationships with our partners. Many are able to process an application in 24 hours or less, some will even be in contact with you within a few minutes of applying. You will likely need to provide proof of income, and some other documentation, so be prepared when you are contacted.

In most cases, applicants are driving a new car in a couple days. Our application can be found here.

You’ve come to the right place. We work with many dealers and lenders who specialize in special credit situations. Our network of dealers and lenders are able to secure financing where the bank may not. If you have been turned down in the past, then there is a good chance we can help.

To start the process, simply complete our short application and we will take care of the rest.

Privacy and security of your personal information is paramount. All information you provide is encrypted and transmitted through channels that meet and exceed industry standards. Your information will only be sent to the parties necessary to secure financing for you, and will be handled in accordance with our Privacy Policy and Terms of Use.