Best auto loans · Reviewed 2026-07-22
Auto Loan Options for Lower-Credit Borrowers
A short list based only on public evidence of broad or nonprime access; it is not guaranteed-approval advertising.
Eligibility for this list
Direct creditors that explicitly describe support for nonprime or broad credit profiles in official materials. No unpublished minimum score was inferred, and approval is never guaranteed.
Read the complete scoring methodologyRank
01
new purchase · used purchase · lease
Ally Auto
Dealer-arranged new, used, and lease financing serving varied credit profiles.
View moreReview score
3.5
out of 5.0
Rank
02
used purchase
CarMax Auto Finance
Financing for used vehicles purchased through CarMax, with decisions integrated into the sale.
View moreReview score
3.3
out of 5.0