In the wake of the Coronavirus, we’re adapting our lists to meet your changing needs, so you can still do it all. Review StaffJun. 30, 2019

In a Nutshell is an online marketplace for new and used car loans and in-house financing. It specializes in finding lenders and dealerships for borrowers with bad credit or no credit. works with lenders that don’t enforce minimum credit scores. Therefore, if you have no credit history, this is a good place to start your search for an auto loan.


  • No minimum credit score
  • In operation for 25 years
  • Personalized customer service


  • Not a direct lender
  • Not entirely an online operation
  • Not very transparent on rates Get Rates at a Glance

Loan types: Auto loans, in-house financing

Loan amount: Up to $45,000

Repayment terms: 12-84 months

APR: Up to 25%

Minimum credit score: None

Best for: Getting an auto loan with bad or no credit

Overview works with a wide network of lenders and dealers across the United States to find deals for bad-credit and no-credit borrowers. It doesn’t cost anything to use and it shouldn’t take up too much of your time either. It only takes around 3 minutes to fill out the online form and an agent should contact you with multiple loan offers within 24 hours.

Best for?

Although accepts all types of customers, it is best used by drivers with bad credit or no credit. If you’ve been rejected by other lenders or marketplaces, may be able to help you. It works with dozens of lenders and thousands of car dealerships, many of whom have no minimum credit requirements and may be able to offer you financing.

Features exists mainly to assist people with bad credit or no credit with finding auto loans and in-house financing. It also offers a few educational resources to help each user understand their financing options.

Here are some of the highlights of using

  • Network of dozens of lenders around the United States.
  • Network of thousands of deals offering in-house financing.
  • Each user is assigned a dedicated agent to help find the best auto financing deal.
  • No minimum credit scores, everyone has a chance of getting approved provided they meet other minimum requirements.
  • It takes just 3 minutes to fill out the online form and start the application process.
  • Free loan estimator shows you how much you can borrow depending on your monthly income and payments.

Application Process

To request a quote, click “Online form” at the top of the home page, then fill out a short online form. After submitting the form, you should receive a phone call from a agent within 24 hours.

Applicants must meet the minimum requirements (with option of bringing a co-owner for help with meeting requirements):

  • Monthly gross income of $1,500.
  • At least 6 months of employment in current position.
  • Three years of employment history, with no large gaps between jobs.
  • Proof of residence on current utility bill in your name for the address listed on the application.
  • Proof of a working landline or cell phone in your name.
  • Six to 8 personal references.

Loan Types and Terms specializes in auto loans and in-house financing options. The following are a few details on these options.

  • Auto loans: Includes loans for new and used cars from dozens of partnering lenders, with no minimum credit score.
  • In-house financing: helps find a dealership in your area and even sets up a meeting between you and the dealership’s finance manager.
  • Refinancing: New, improved auto loan to replace your old one.

Repayment Options

The most glaring problem with’s service is the lack of transparency when it comes to rates and terms. states on its website that APRs range from 0% to 25%. This is a bit misleading because the fact is no lender would ever offer auto financing at 0% (otherwise how would they make money?). Also, this is just a range and the final APR depends very much on your credit and whether you meet other requirements.

Because works with bad-credit and no-credit drivers, APRs presumably lean closer to 25% than they do to 0%. doesn’t say exactly what loan terms it offers, but given it works with a wide network, it’s fair to presume its lenders offer the full range of loan terms from 12 months to 84 months.

How Safe Is It? has been operating since 1994. Given how long the website has been around, it’s no surprise it has strict security and encryption protocols in place. exists to connect users with lenders and it reserves the right to share your data with its partners.

Help & Support

This service operates on the principle of “don’t call us, we’ll call you.” After you request a quote, a agent should call you within 24 hours. Unfortunately, doesn’t encourage people to call it directly. However, if you have a query, there is a contact form on its website.

How Compares
Up to 25%
Starts from 2.49%
Minimum credit score
Loan amounts
Up to $45,000
Up to $45,000
Up to $300,000
Loan term
12-84 months
12-84 months
12-72 months
Best for
Getting a car loan with bad or no credit
Getting a car loan after bankruptcy
Comparing offers from a variety of lenders

Because of the lack of transparency, it’s difficult to make a head-to-head comparison between and other auto loan marketplaces. The best way to find out what can offer you is by filling out the application form on its website. You might want to consider comparing the search results with those from other lending marketplaces. Get Rates


If you have bad credit or no credit, or have found yourself rejected by auto lenders for other reason, may be able to help. is a longstanding online platform that helps connects bad-credit drivers with lenders and dealerships around the United States. Its APRs aren’t necessarily the lowest, but if you’re suffering from bad credit it’s worth seeing what this service can do for you.

Physical Address

MH Sub I, LLC dba Internet Brands

909 N. Sepulveda Blvd., El Segundo

CA 90245 StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right car loan provider for your needs.