Rates & Terms

A lot has changed since we opened our doors in 1993!

One thing that hasn't changed is our commitment to great customer service.



In 2011, all lenders in the United States adopted the "Risk Based Pricing" rules mandated by the Federal Trade Commission and administered by the Federal Reserve.

Auto Loan's rates are based on your credit score. If you watch TV you know that everyone has three credit scores. Auto Loan will use your best score to compute your rate. If you have a co-applicant, Auto Loan will use the best score from whichever applicant has the highest credit score.

Most lenders won't allow the person with a sub-660 or lower credit score to appear on the loan. That results in only one person getting credit for the payments and the other person's credit file will never improve. One more reason to finance your next car with Auto Loan, Inc.  

Auto Loan offers two different rate schedules. One for New Customers and one for Repeat Customers. If you are a New Customer... Welcome! 


Auto Loan is different than most lenders that set the term of the loan by the model year of the vehicle. With Auto Loan, the lower the mileage on the vehicle, the longer the term. Auto Loan realizes that a Clean Low Mileage Vehicle is a much better investment, regardless of the model year.

Once your application is submitted, an Auto Loan Account Executive will contact you to discuss Rate Plans and Payment Terms that are tailored to your particular situation.

Toll Free: (800)-778-3139

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