Short answers to the questions we hear most. For more depth, see the guides.
Is Direct Car Loans a lender?
No. Direct Car Loans is an information, comparison and referral website. We do not lend money, approve or decline applications, or set rates and terms.
What happens when I apply through this website?
You answer a few questions on our application page. With your agreement, we send those answers to our application partner and take you to their website with the form already started. You complete and submit the application there.
Does continuing to the partner mean I am approved?
No. Being passed to our partner is not an approval or a pre-approval. The provider that reviews your completed application makes the decision.
If I start from a provider’s listing, does my application go to that provider?
Not necessarily. We record which listing you started from, but the application is completed with our application partner and we cannot direct it to a particular company.
Will applying affect my credit score?
We do not check your credit. The partner or a provider may, and whether that affects your score depends on the kind of check they make. Their application form explains what you are agreeing to. Ask them before you submit if you are unsure.
What information do you keep about me?
We do not store the name, email address or phone number you type into the application form. We keep a record that a handoff happened, when, and which consent wording was shown. See our privacy policy.
How does Direct Car Loans make money?
We may be paid by our application partner and by providers that buy clearly labelled sponsored placements. Our affiliate disclosure explains this.
Why do some listings say “Not published”?
Because the provider does not publish that detail, or we could not confirm it from the provider’s own information. We would rather show a gap than a guess.
Is the calculator result a quote?
No. It is an estimate based only on the numbers you enter. A provider’s actual figures will differ.