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Cars Direct offers auto loans in addition to its tools and services geared toward helping you find the right car. It is based in California but has a nationwide network of dealerships it works with to help you find a car loan even if you have bad credit or have had a bankruptcy.

Cars Direct operates as a broker, connecting you with dealers willing to offer you funding for a car from their lot. Since you can only get funding through a dealership, you can't sign any of the documents online, and the additional documents you are required to provide can vary widely. There's no automatic payment option through Cars Direct, and the availability of automatic payments depends on the dealership you choose.

If you have bad credit, the service can connect you to lenders that are willing to lend to you. Keep in mind that those loans will typically have higher interest rates. However, you can refinance your auto loan later and receive a lower rate.

You can also use the auto loan calculator provided by Cars Direct to see how much money you can borrow to buy or lease. It takes your credit score into account, which isn’t too common for an auto loan calculator, but it doesn’t include interest rates.

Keep in mind that the auto lenders Cars Direct will connect you to are all dealerships. Getting financing through a dealership can be more expensive than an auto loan through a bank or credit union since dealerships will typically mark up the rate. Dealerships do have more leeway to negotiate, so Cars Direct may be worth exploring if you have good credit and enough money for a large down payment.

This company works with both franchised and independent dealerships to provide you with loan offers, but it won’t connect you with private sellers. The car search tool offered by Cars Direct allows you to compare different cars, find local dealers and save them for future review. You can also read buying guides to learn about car shopping tips and the best car models.

Cars Direct offers auto loans in addition to its many other services. It only connects you with offers from local dealerships, which makes it a less versatile service. But the tools it offers for car shopping are among the best in our lineup of auto lending services.