Best Loan Companies

Credit Direct offers unsecured loans up to $40,000 and an online application. They are licensed in California, Texas, Florida, Pennsylvania, Michigan, North Carolina, Virginia and Arkansas.

Currency's services include various business financing options including business loans, equipment financing, equipment leasing and working capital. They offer competitive interest rates and 100 percent financing services.

This online marketplace connects consumers with lenders. Credit score of 640-750 required. FHA, VA, USDA and Community Homebuyer loans require a minimum down payment of 0-10%; conventional loans require a 5-20% down payment.

Westlake Financial was established in 1988 and is a part of the Hankey Group of Companies. It is headquartered in Los Angeles. Westlake offers auto financing through car dealerships across the United States.

Santander is a Spanish-based bank with a global presence. It operates as Santander Consumer USA Inc. in the United States with headquarters in Fort Worth, Texas. The U.S. division focuses on auto loans.

Credit Acceptance is a publicly-traded company that has been in business since 1972. It provides auto dealers with financing programs for traditional borrowers and those with poor credit. Dealers share in the company’s profits.

Cenlar is a loan service provider headquartered in Ewing, New Jersey. The company works with credit unions, banks, mortgage companies and other lenders to manage loans made by those institutions. Cenlar was founded in 1958.

Prestige Financial Services, Inc. was established in 1994 and is headquartered in Salt Lake City. It offers subprime auto loans through car and truck dealerships across the United States. Loan applications are available online.

Seterus is a loan serving company that focuses on the mortgage industry. Seterus formerly operated under the name IBM Lender Business Process Services. The company started in 2006 and is headquartered in Beaverton, Oregon.

Lendmark Financial Services is a consumer finance company that provides a variety of personal loans, automobile loans and retail merchant financial services. It was founded in 1996 and has over 130 branches in 11 states.


Consumer Portfolio Services, Inc. (CPS) offers subprime vehicle financing options through auto dealers across the United States. The company was founded in 1991. CPS’s website has resources for consumers and dealers.

Regional Acceptance is a subsidiary of BB&T with headquarters in North Carolina. It offers vehicle financing options through more than 10,000 U.S. auto dealerships. The Regional website has information for borrowers and dealers.

Since 1999, AmOne has matched consumers and business owners with lenders to provide immediate access to loans. Our Loan Matching Specialists provide personalized guidance in finding and securing reliable funds.

Tower Loan was founded in 1936 and now has over 200 locations in Alabama, Illinois, Louisiana, Mississippi and Missouri. The lender offers both unsecured and secured loans. Consumers can find locations on the company’s website.

Lobel Financial offers auto financing to vehicle dealers for subprime customers. The company’s DealWRITER program lets dealers offer instant approval to those applying for financing, and customers can make payments online.

RoadLoans.com offers car loans and auto refinancing loans for customers within a wide range of credit scores. Instant online decisions allow customers to get pre-approved before shopping for a new or used vehicle.

Dell offers financing for Dell products. Interested consumers can apply for financing online, and some borrowers or purchases may qualify for an interest-free period. Borrowers can also earn 10 percent back in rewards.

Monterey Financial Services offers loan servicing, financing and debt recovery to businesses. The company also offers investment opportunities. Monterey Financial was established in 1989 and is headquartered in California.

Phoenix Financial LLC is located in Spokane, Washington. The company offers financing to consumers who purchase a vehicle from one of the five Auto Credit Stores located in the Northwestern United States.

Mid-Atlantic Finance Company (MAF) allows auto dealers to offer in-direct financing to their customers. MAF specializes in subprime auto loans and purchasing loan pools. The company has been in business since 1989.

CitiFinancial is a part of Citigroup Inc. In 2010, CitiFinancial began operating as OneMain Financial, which was later purchased by SpringLeaf. Services offered by CitiFinancial may still be serviced by Citigroup.

Challenge Financial Services buys and manages auto loans from dealerships. It specializes in subprime loans. The company’s headquarters are in California, with other offices in Arizona, Utah and Texas.

Credit Central offers installment loans with branches in Tennessee. Interested consumers can apply online, by phone or at a branch location. Decisions are made within minutes, and borrowers pick up their loan at any branch.

Business Finance Advance has a free, quick quote option via their website that gives business owners an instant approval decision. They have a 95 percent approval rating, and their loans go as high as $2.5 million per location.

Beneficial was part of HSBC that operated in most U.S. states. HSBC stopped operating under the Beneficial name in 2009, but the parent company continues to service loans issued by Beneficial.

GE Capital, a subsidiary of General Electric, offers corporate financing to businesses in the aviation, industrial and energy industries. Beginning in 2014, Synchrony Bank took over all services offered to non-corporate customers.

Pioneer Services is a financial services company dedicated to serving members of the military and their families. The company is the military division of MidCountry Bank, and it is headquartered in Kansas City, Missouri.

Mepco Finance Corporation is a subsidiary of Independent Bank Corporation. It is headquartered in Chicago and has been in business since 1964. Mepco offers consumer financing to pay for auto warranties.

Carolina Title Loans offers loans to those with clear car titles. Consumers can borrow up to $15,000 depending on their vehicle. Applications are available online and approved customers can get money in as little as 30 minutes.