Image from Flikr.

Image from Flikr.

Right now Car Deal Expert serves the lower 48 United States. We form partnerships with new lenders often, so our service area is always expanding. It only takes a minute to plug in your address and see if we can find a lender for you.

Because Car Deal Expert gives online loans, and the Internet is everywhere, we can find lenders all over. We add new cities and states to our service area on a continual basis, but here is a list of confirmed cities where we can put you in touch with a lender:

  • Portland, OR
  • Phoenix, AZ
  • Oxnard, CA
  • Ventura, CA
  • New Orleans, LA
  • San Diego, CA
  • Tulsa, OK
  • Wichita, KS
  • Iowa City, IA

We also have definite lender connections in Utah, Wisconsin, Tennessee, Virginia, Louisiana and Maine. With our ever-growing collection of top lenders, we might be serving your state right now. All we need is the few pieces of basic information in our short application form to find out if there’s a lender available for you.

Location, location, credit

However, finding a lender who serves your area doesn’t guarantee you’ll get a loan. Whether you are approved for a loan depends on your credit score, monthly income and job history.

Car Deal Expert lenders work with a wide variety of types of clients. There is not a cutoff point as far as credit score that guarantees you will or will not be approved for an online auto loan. A lower credit score usually means you will get a higher interest rate, but if you go through Car Deal Expert we will try to find you the lowest interest rate available for you.

Show them the money

If you make at least $1,500 a month, you’re in good shape as far as most lenders are concerned. If you have a low credit score but make more than $1,500 a month, it improves your chances of getting a loan.

Likewise, if you make less than that but have a very high credit score, lenders are more likely to approve your online auto loan.

Old reliable

It’s not a very good idea to jump into a car loan if you are unemployed or have only held your current job forĀ  a few months. If you have been at your job for at least six months, you have a better chance of being approved for a loan. The longer you have been at your job, the better it looks to your lender.

You’ve got nothing to lose by applying — not even much time. After you fill out a form that just takes a minute, we’ll be able to tell you whether we have a lender in your area. After you’re connected with a lender, it’s free and fast to find out if you can be pre-approved for an online auto loan.