Apply for a car loan and get approved today

No credit, poor credit, everyone can apply

Apply for your car loan with us and get matched with the lender best suited to meet your needs. It’s quick, simple and free. All you need to do is enter your basic information and you’ll be approved for a loan. You’ll be behind the wheel of your next vehicle in no time.

Need a Loan makes it fast and easy to apply and get approved for a car loan on your smartphone
Need a Loan is a secure site

Applying is fast and easy

Our process is never needlessly complicated or invasive. Applying typically takes no more than three minutes.

Your credit won’t hold you back

Whether your credit score is poor or non-existent, we’ll accept your application. We work with lenders that specialize in providing loans for applicants with less-than-perfect credit ratings.

We don’t require that you make $30,000 or have a pristine track-record with bills. If you have blemishes that have led to applications being denied in the past, we’ll find a trusted lender to help you finance your new ride.

No matter your annual income: There’s no income threshold you must meet to be matched with a lender

With poor credit: Our lenders offer loans to everyone, regardless of their credit score.

Without any credit: That includes people with no credit history

Without a down payment: Find loans that cover either the full or the partial cost of a vehicle.

On new or used cars: Whether you need a bit more cash to finance that luxury car your heart is set on, or you’re just looking for something more basic, we can help.

Whether you have a vehicle picked out or not: It doesn’t matter if you’re just starting the car hunt process or if you know the exact vehicle you’re after; it’s never too early or too late to apply for a loan.

Why get a car loan with Need a Loan?

When you apply for a car loan with Need a Loan, you can see your best option with no obligations. After you apply, you’ll be contacted by a lender who’ll go over the terms of the loan with you. Then you decide whether or not it’s for you. Easy, right?

There’s no lengthy background check, no painful application process, and no visiting a payday loan store. No going through a long, excruciating process, only to find out you’ve been declined, or that your loan comes with punitive interest rates. You input your information, receive an offer and decide whether or not you want to accept it.

When you submit an application with Need a Loan, you get:

  • Access to top lenders from around the country
  • A non-invasive process; we just ask for basic information
  • Eligibility for loans up to $40,000
  • Competitive interest rates and flexible terms
  • In and out in less than three minutes
  • Peace of mind, knowing the information you submit is secure and won’t be shared with anyone but the lender you’re matched with
  • A loan offer with no commitment required

Your application is completely discreet. The only parties that will ever see it are you and your recommended lender.

It’s our mission to make the process as stress-free and straightforward as possible. Get started now to see just how simple it is to apply for your car loan with Need a Loan.

Get started now: Getting a new vehicle should be fun, not a stressful journey to acquire funding. We make it easy, clear and fast so you can get behind the wheel of your new car — as soon as possible, with as little stress as possible.

Click to get started, enter your information and wait for a lender to get in touch. Then go out and get your new vehicle.