Direct Car Loans does not process loan applications. We help you start one, then hand you over to an application partner. This page explains each step.
Step by step
- You answer a few questions on our application page. Only your name and email address are required. Vehicle type, monthly budget, location and phone number are optional.
- You agree to the handoff. We ask for your agreement to send those answers to our partner. The box is never ticked for you.
- We send your answers once. They travel over an encrypted connection from our server to the partner. We do not keep a copy.
- You arrive on the partner’s website. Their application form opens with your answers filled in.
- You complete the application there. The partner’s form asks for the rest of what a provider needs, and for any consent a provider requires.
- A provider responds. Any decision, rate and term come from the provider, under its own criteria.
What the handoff is not
- It is not an approval, a pre-approval or an offer.
- It is not a completed application until you finish the partner’s form.
- It does not send your application to a particular company you saw in our directory.
If something goes wrong
If we cannot reach the partner, our page tells you and nothing is submitted. You can try again. We never show a “success” message unless you are actually being sent to the partner.
Your information
See our privacy policy for what we keep (a record that a handoff happened) and what we do not (your details). Once you are on the partner’s website, their privacy policy applies.