PenFed Credit Union
PenFed Credit Union is the best in offering new, used, and refinancing g options. Application is online and maximum financing is 110% of the asset value. The loan goes for 84 months, and you can enjoy APR discounts if you use their car buying service.
New cars attract as low as 0.99% APR, and used vehicles attract 1.99%.

Consumers Credit Union CCU
Consumers credit union finances new and used cars to the tune of 100%. They have no minimum or maximum loan amount, and their financing is subject to the membership at $5. Loans attract interest lows of 2.24%. However, you may need a good credit score to qualify.

Carvana
Carvana is the best for the online end-to-end shopping experience. It has no minimum score requirement, and you can have your loan approved and your car delivered without you moving an inch.
Carvana determines the amount to finance according to your circumstances and depending on your vehicle’s make. You can prequalify by use of a soft credit report which does not affect your scores. You can also gauge yourself by using Carvana’s Auto Loan Calculator.

Oportun
Oportun is the best option for bad credit. It has an easy and fast online application that avails money in less than two hours. Furthermore, it does not require any minimum credit score, and you get the freedom to choose a car anywhere, be it from a dealer or private individual.
You only need proof of income to qualify. Oportun’s loan amounts range between $300 and $10,000.

Capital One
It offers competitive rates and works with a big bank, and you must obtain financing through its bank’s networks. Capital one finances new and used vehicles through its numerous dealers. You can prequalify by its Auto Navigator.

OpenRoad lending
It specializes in refinancing through its online application. Its purely online application is fast, and you can get approval in a short time. Loans are repayable in 72 months maximum. In addition, openRoad Lending has a strong customer service desk.

LightStream
LightStream is the best option for used car refinancing. Its simple application process is purely online with same-day approval. You have the option of getting an unsecured loan if your score is excellent.
Since they do not take the vehicle as security, they are not strict on the age of car mileage, the make, or the model.

LendingClub
The company rose from its peer to peer and offers auto loan refinancing. You will complete an online loan application and get offers which you go through while comparing their rates and terms.
You will weigh the options, and when you finally settle on one, you complete the application. You may get interest rates as low as 2.99%.