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Stellar Auto Loans

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LAST UPDATED: March 31st, 2021

In four easy steps, Stellar Auto Loans connects consumers to credit unions in its network, finding them the best auto refinance option to lower their monthly payments.

Stellar Auto Loans is powered by SALRefi, a free online service that educates consumers on the best auto refinance options based on their specific needs. After filling out the online application, SALRefi matches applicants with one of its lending partners, who help save consumers an average of $103 per month on payments. 

In 2001, Stellar Strategic LLC created Stellar Auto Loans to not only help consumers, but to help lending institutions in its network receive more auto loan leads. Stellar Strategic LLC, founded in 2000 by Craig Simmers, is a marketing company that helps financial institutions grow their retail market share.

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The Good

  • All Credit Scores Welcome to Apply
  • No Application Fees
  • Easy Application Process
  • All Credit Scores Welcome to Apply
  • Delay First 2 Payments
  • Secure Information

All Credit Scores Welcome to Apply

If you have less than-perfect-credit, you can still apply for Stellar Auto refinancing. In fact, Stellar Auto's credit union partners can likely find you more savings than you'll find elsewhere, no matter your credit standing.

No Application Fees

Stellar Auto Loans does not charge an application or prepayment fee.

Easy Application Process

The application process is simple and easy, and can be completed entirely online, or over the phone if preferred.

In the online application, the consumer will be required to provide basic information such as their social security number, current credit and income, vehicle make and mileage, and current loan amount and payments. With this information, Stellar Auto Loans will find the best refinance or finance option in its network for the consumer. The application will be sent to the best fit lending partner in Stellar Auto Loans’ credit union network, who will check the consumer’s credit and then contact them with rates and terms which the consumer chooses to approve or decline.

All Credit Scores Welcome to Apply

A consumer does not need an excellent credit score to qualify for Stellar Auto Loans’ services. Generally, a credit score of 600 is required to refinance an auto loan, but more often than not, Stellar Auto Loans’ lending partners can find savings opportunities for consumers with low credit scores.

Delay First 2 Payments

Stellar Auto Loans offers the ability to skip the first two payments on your loan. However, you must apply and be approved to receive this benefit.

Secure Information

Personal information collected by Stellar Auto Loans through forms such as the online auto loan application is protected. A consumer’s information will not be sold, and is only used to finalize transactions made through Stellar Auto Loans. However, third-party websites that do not act under the same privacy policy may independently collect or solicit information.


The Bad

  • Not Available Nationwide
  • Qualification Specifications

Not Available Nationwide

Stellar Auto Loans services 48 of the U.S. states. Services are unavailable in Hawaii and Alaska.

Qualification Specifications

Before submitting an application for Stellar Auto Loans, a consumer must meet specific qualifications regarding their vehicle, current loan, and financial standing. The vehicle should be in good condition, no more than six years old, and have a mileage of 120,000 or lower. 

Additionally, a consumer’s current loan balance should be $7,500 or higher, and have at least 18 months remaining on that loan. Consumers should also ensure the quality of their auto insurance policy, and that their monthly bills do not exceed their monthly income.


The Bottom Line

Stellar Auto Loans is a good choice for consumers looking for a free and simple auto refinancing service guaranteed to lower monthly payments. As a lending marketplace company, Stellar Auto Loans does not provide auto refinance loans directly, but has a network of credit union lending partners, financing loans based on individual consumer needs and financial circumstances.

Although consumers must first meet some specific qualifications, submitting an online application is quick and easy. Consumers can rest assured that they are on their way to saving money on their auto loan payments.

View Best Auto Refinance Companies

Currently, Stellar Auto reviews are limited. If you have refinanced your vehicle with this company, please tell us about your experience by leaving a review.

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