Buy your dream car with affordable new and used car loans
- Good credit
- Bad credit
- No Credit
- No social
- No ITIN
Used car loan EMI Calculator
Finance Limited can make your dream of buying a four wheeler real. LIFC offers vehicle loan at affordable interest rates, So that you don’t have to think twice before buying a four wheeler.
How to get a loan for a car?
Follow these simple steps below to complete your loan application
Check your eligibility
Share basic details and get pre-approved
Select your loan offer
Within hours, you’ll receive an approval update, your personalized payment options, and available vehicle choices.
Submit and sit back
Upload your documents, our team will get in touch to handle rest of the process
What happens next?
Once your credit information is submitted, our finance team reviews it instantly with our network of trusted dealers. Within hours, you’ll receive an approval update, your personalized payment options, and available vehicle choices. Then, all that’s left is to schedule delivery — right to your driveway.
Second-hand car loan eligibility
Age
18+
Employment status
Serving everyone- salaried, self-employed and retired.
Minimum income
Minimum income of $1,500 per month
Credit score
No Minimum score required. No Social, No ITIN, No Problem.
Eligibility criteria and documents required for a New or Used car loan
Eligibility criteria
Age
18+
Employment status
Serving everyone — salaried, self-employed, or retired.
Minimum income
Minimum income of $1,500 per month
Credit score
No minimum score. No score no problem.
Documents required
Drivers License Required:
- US or Foreign Licenses Accepted
- Must have valid insurance at time of delivery.
Proof of Residence:
- Most utility bills or bank statements are accepted.
Proof of Income (If Required):
- Minimum income of $1,500 per month
- 3 months paystubs for w-2 income or 6 months bank statements for 1099
Used car loan interest rate and charges
Buying a car is a big monetary decision. We offer low-interest rates and minimal charges to ease your purchase. You can look at our different types of fees and charges.
40+ lending partners
Common Questions about car loans
A used car loan helps you finance the purchase of a pre-owned vehicle. You borrow a fixed amount from a bank or lender, repayable in monthly EMIs with interest, over an agreed term.
The maximum amount depends on your income, credit score, and the vehicle’s valuation. Most lenders offer up to 80%–90% of the car’s resale value.
Interest rates usually range between 10% and 16% per annum, depending on your profile, lender, and car model.
Loan tenures typically range from 12 to 60 months (1 to 5 years), giving you flexibility to choose a term that fits your budget.
Yes, some lenders offer loans for applicants with lower credit scores, but you may face higher interest rates or need a guarantor.
Loan Highlights
Finance up to $150K
Minimum APR of 4.9%
1% Exclusive Discount on APR
Zero Foreclosure Charges
Finance a New or Used Car
No Cosigner Required
U.S. Credit Score Not Required
SSN or ITIN Not Required
Loans from New or Used Car Dealer
100% Digital Application
Email Address
info@cardealerplug.com
Our Service Areas
New York, New Jersey, Connecticut & Pennsylvania
Phone Number
973.800.3919
Working Hours
Monday – Friday: 8AM to 8PM
Friday – Sunday: Closed
