Don’t let lending agencies confuse you. Learn the process by planning your budget and understand the different programs available in the loan market.

1. America is the Land of Choice.
And its lenders, dealers &
Online Auto Financing Companies
offer several Car Loan Programs.

2. 1. Good Credit Car Loans
It is a Low Rate Credit Program available for
Car Buyers with:
• Excellent/Good/Average/Prime Credit Score
• Gross Monthly Income more than $2000/Month
• 10%-20% Down Payment/Trade-in
• A Co-Signer with Good Credit
• No Past Bankruptcy
• No Recent Repossession

3. 2. Poor Credit Car Loans
If you are a Car Buyer with Credit
Score in the range of 580 to
619, lenders will offer you a
Poor Credit Car Loan with
slightly higher rates.

4. 3. Bad Credit Car Loans
These loans are provided to Car Buyers with
Credit Scores less than 580 at almost the
double the rates offered to people with
Excellent Credit Score.
But, you can make the loan affordable by:
• Reducing the LTV
• Bringing a Co-Signer
• Choosing a Used Car of Lesser Value

5. 4. Sub-Prime Auto Loans
Few lenders don’t differentiate between
Bad Credit Buyers & Poor Credit Borrowers.
They categorize them as
Sub-prime or Non-prime Buyers &
so, offer them Sub-Prime Loans.

6. 5. Zero Down Finance
This Loan Program is available at
slightly higher costs because
lenders assume higher risks by
providing a Loan
without Down Payment.

7. 6. No Co-Signer Car Loan
This Unique Loan Program is usually
provided to Car Buyers with
good monthly income &
higher down payment because
both reduce lender’s risk.

8. EZ Auto Finance is an
Online Auto Financing Company
that offers a wide variety of
Loan Programs to its customers.
Apply on the secure website for
obtaining the Loan Program of
your choice.

9. on
eZautofinance.net
A Leader of Sub-prime Auto Loan Industry
Follow Us: