States We Serve
[AL] Alabama - (1)
[CA] California - (13)
[CO] Colorado - (3)
[FL] Florida - (2)
[GA] Georgia - (5)
[IL] Illinois - (4)
[IN] Indiana - (1)
[IA] Iowa - (1)
[MD] Maryland - (1)
[MA] Massachusetts - (1)
[MI] Michigan - (3)
[MN] Minnesota - (1)
[NE] Nebraska - (1)
[NJ] New Jersey - (1)
[NY] New York - (1)
[NC] North Carolina - (1)
[OH] Ohio - (4)
[OR] Oregon - (2)
[PA] Pennsylvania - (2)
[RI] Rhode Island - (1)
[SC] South Carolina - (2)
[TN] Tennessee - (1)
[TX] Texas - (19)
[UT] Utah - (3)
[VA] Virginia - (1)
[WI] Wisconsin - (1)

16480 Bake Parkway, Irvine, CA, 92618, USA

Features is a direct lender based in Irvine, California. It was founded in 2015 by industry veterans Jim Landy and Stuart Holmes. is a direct-to-customer auto loan platform that helps borrowers with less than perfect credit get a car loan at reasonable rates.

As a financial technology company, uses data and analytics to simplify auto loan application and underwriting processes by reducing unnecessary document requests and redundant information.

How Do Loans Work? allows borrowers to finance a vehicle purchase or refinance an auto loan online. The platform offers loans for new or pre-owned vehicles and finances private party or dealership purchases.

Most applicants get a response within seconds of applying; the rest may take up to one business day to get an answer. If approved, your loan may be closed in as little as 48 hours after providing all required documentation.

You can make your scheduled monthly payments by credit card, check, or through money transfer services, such as Speedpay, Billpay, or Western Union.

What Are's Rates?

Rates for a loan at range from 5% APR to 36% APR.

In some states, an origination fee may be included in the loan. Origination fees vary from $0 to $695 for new/used auto loans and $0 to $295 for refinance, which may be a flat rate or a percentage of the loan amount.  There are no prepayment penalties, and after the first scheduled payment is made customers can select their own payment dates.

How Much Money Can I Borrow from

Loan amounts range from $7,500 to $45,000 depending on your state, income, credit, and vehicle value. The maximum term for an auto loan is 72 months.

 How Are Loans Better than Other Auto Loans? is an excellent choice for borrowers without perfect credit looking for an auto loan. These are the main benefits:

-  You can check your rate without impacting your credit score. does not perform a hard pull on your credit to generate an offer.

-You can configure your approved loan terms.

- Fast decisions (typically within seconds) and fast funding timeline. Loan proceeds are usually issued within just a few business days.

- reports your loan activity to Experian and TransUnion, two of the three national credit bureaus. Regular on-time payments can help improve your credit score.

- Borrowers with poor credit scores (as low as 500) are considered.

- Loan amounts range from $7,500 to $45,000.

- Accepts joint applicants. 

Credit Bureau Reporting
Loan Amount$7K - $45K
Payment Options:
Automatic Payments
Check by mail
Credit/Debit Card
APR:5% - 36%
Min APR:5.00%
Max Loan Term (Months)72
Checking Account Required?
Lend To Military?
Immigration Status Considered:
U.S. Citizen
U.S. Permanent Resident
Minimum Age:18
Verification Documents Required:
Recent bank statements
Recent pay stubs
Driver license (or other photo ID)
Proof of citizenship/residence
Customizable Payment Dates
Joint Loans Available
No Origination Fee
Pre-Approved Soft Credit Inquiry
Approval Speed (Hours)1
Deferred Payments
No Late Fees
No Prepayment Fee
1-7 days
Same Day
2-4 weeks
Application Fee
Lease Purchase
Institution TypeDirect Lender
New Loan
Used Car Loan is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


I would like to take the time to thank each and everyone of you that put forth the effort in helping me get into a new fabulous car. A very special thanks to Candice! Everyone deserves a chance to shine ???? and you've played a BIG roll in my chance, just by giving me one. Keep up the great work!!! Thanks again! "the dealership was wonderful to work with, I will use them for my vehicle service needs"


May 18, 2017

Everything went so smoothly I still don't believe I got approved. Took me a few minutes from finding their website to getting approved. A few hours later all paperwork I submitted on their site was approved. Then they sent a notary to my place, got DMV paperwork signed and that was it.

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