Overview is an online automotive lending and car buying experience. We offer excellent refinance and purchase loan options for all types of credit, and our loan approval process is quick, easy and secure so you can drive away happy.

Founded in 2011, and now managed by Flagship Credit Acceptance, we empower consumers to get a loan decision in less than 30 minutes by applying online during business hours. There are no fees. Consumers can lower their monthly payments by refinancing their current auto loan or remove financial uncertainty prior to visiting the dealership by securing a vehicle purchase loan.

We’re here to help. Our team of dedicated automotive lending professionals are available to answer your questions throughout the loan approval process. We’ll assist you by providing the tools and resources you need to secure our best available financing deal. At, we are constantly adapting and innovating our processes and products to respond to technology and industry changes, but at our core, our values remain unchanged.

We pride ourselves in doing the right thing through our core values of Integrity, Discipline, Continuous Improvement, Passion, Trust, and Respect. In doing so, we will deliver a competitive product and provide excellent service.

Loan Features

Get the right car loan for your unique situation. We help make your auto financing options and car buying experience simple for all types of credit situations. Easily apply online and get a decision in minutes. We process your application without fees or hidden extra costs to you.

Lower Monthly Payments With Auto Refinancing. Reduce your monthly payment, lower the amount of interest paid, or a combination of both by refinancing your existing auto loan. With, you can start the process with our quick, online application. There are no fees to complete the process.The most important factors that looks at when reviewing applications for refinance loans are: payment performance on current auto loan, payment performance on other debt, and ratios of your total debt to income and this potential loan payment to your income. Everyone’s credit situation is unique, so we cannot provide hard and fast rules here about whether you’ll qualify. But if you have been making your loan payments on time recently you’re more likely to qualify, and we look forward to reviewing your application.

If your car has less than 100,000 miles on it, is not older than 8 model years, and is used for personal or family use, then it likely qualifies for an auto refinance loan with us. Otherwise, you could get approved for a new car loan and trade-in your old vehicle. If your current car loan balance is less than $7500 will not be able to refinance your auto loan, but you could get approved for a new car loan and trade-in your old vehicle.

Application Process offers an excellent user experience from applying online to driving away happy. The process is quick, easy and secure and supported by excellent customer service. Regardless of your credit, we welcome all scenarios and empower you with financing options to fit your needs.

1. Submit your credit application online and get a decision in less than 30 minutes during business hours. If approved, your rate is locked in for any qualifying vehicle you purchase.
2. Complete your loan approval process by submitting any required documents using our easy to use online tools. After completing the approval process, bring your Funding Certificate to any qualifying dealership and shop seamlessly.
3. Submit your documents online to
4. Pay no down payment for purchase loans.
5. Lock in competitive rates.

Repayment Terms can put together an auto loan that is right for you. With flexible terms up to 72 months, we will work with you to structure a monthly payment you can be comfortable with. The maximum amount of your loan approval is based on your credit and your capacity to make the monthly payments, which is based on your verifiable monthly income. Additionally, actual loan amounts are limited based on the value of the vehicle you are purchasing or refinancing and subject to other terms and conditions.
Loan amount $7,500 – $45,000
APR 6.7% to 13% (average: 10.4%)

Customer Support

Monday-Friday: 9:00 AM to 8:00 PM CT
Saturday: Closed
Sunday: Closed

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