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Founded in 2003, is an internet-based financing marketplace that helps people research, finance, and buy a vehicle or motorcycle. The company facilitates the matching of lenders based on each customer's needs and uses a proprietary analysis and evaluation process called Preferred Placement to provide its customers with up to four loan offers from which they can choose.

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The Good

  • Low Interest Rates
  • Direct to Consumer Financing
  • No Prepayment Penalties

Low Interest Rates advertises low rates for all of its products:

  • New Auto Loan - 2.23 to 9.05 percent
  • Used Auto Loan - 2.41 to 7.68 percent
  • Auto Refinance Loan - 1.94 to 8.12 percent
  • Private Party Loan - 1.99 to 2.79 percent
  • Lease Buyout - 1.74 to 2.39 percent

While these rates are very low, it's important to keep in mind that they may vary based on your particular credit situation.

Direct-to-Consumer Financing offers direct-to-consumer financing, which makes the buying process simple and streamlined. All you have to do is fill out a free application online and the company will then provide you with four offers. You can have your money via direct deposit or check within 24 hours.

No Prepayment Penalties

With, you can pay off your loan early without being penalized, which can save you hundreds of dollars in interest and fees if you choose to do so.

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The Bad

  • Variety of Websites For One Company
  • No Loan Approval Guarantees
  • Mileage Limits and Loan Restrictions

Variety of Websites for One Company

Horizon Digital Finance, which is's parent company, has six different websites that it uses to facilitate business dealings. This can be a bit confusing for consumers who don't understand exactly how the company operates.

No Loan Approval Guarantees

Unfortunately, doesn't offer any type of loan approval guarantee. Additionally, the company has stated that it does not accept individuals with an open bankruptcy. However, other than that,'s minimum approval requirements appear to be relatively liberal.

Mileage Limits and Loan Restrictions has set a mileage limit restriction of 100,000. This means that if you want to buy a vehicle with more than 100,000 miles, you won't be able to finance it through In addition, the company has set a minimum loan amount of $8,000, meaning that if you'd like to finance a vehicle that costs less, you'll have to find another auto loan company to work with.

The Bottom Line offers low interest rates, direct-to-consumer financing, and no prepayment penalties. However, there is a bit of brand confusion with's parent company. Additionally, has set mileage limits and loan restrictions and does not offer loan approval guarantees.

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