Separate a vehicle choice from a loan offer
You can research cars and prepare a budget before applying for credit. Ask each lender what information it needs and when it will check your credit. Never send Social Security numbers through a general contact form.
Know what you are comparing
Write down the APR, amount financed, term, monthly payment, and total payments for each offer. An affordable-looking payment may run for many more months than another offer.
Be careful with promises
Treat “guaranteed approval” or a promised score increase with caution. Get actual terms in writing. These guides are educational; Patriot Auto does not offer in-house financing or guarantee lender approval.
Can this site tell me whether I will be approved?
No. Only the lender can make a decision after reviewing an application. Our tools are estimates, not offers.
Go to the official source
Requirements and lender terms can change. Use the source below for current details.
CFPB: Auto loan resources