Auto loans built for every driver

We work with all credit profiles — from excellent (750+) to rebuilding (below 600). We specialize in bad credit, open bankruptcies, and prior repossessions. Our team works with 50+ lenders to find the right fit for your situation. Don't let your credit score stop you from applying.

Most applicants receive a decision within 24 hours of submitting their application. In many cases, we can get you pre-approved the same day. Once approved, your offer is valid for 30 days so you have time to find the right vehicle.

We finance virtually all vehicles — new cars, used cars, trucks, SUVs, exotic cars, and even motorcycles. We work with both dealer purchases and private party sales. There's no restriction on make, model, or year in most cases.

Absolutely not. All of our loans are simple interest with zero prepayment penalties. You can make extra principal payments or pay off your loan in full at any time without any fees. Paying early actually saves you money on interest.

Yes! If you already have an auto loan, we can often lower your interest rate and monthly payment through refinancing. Simply send us your current payoff amount and we'll get to work immediately. Many customers save hundreds of dollars per year by refinancing with us.

To get started, you'll need a valid government-issued ID, proof of income (recent pay stubs or bank statements), proof of residence (a utility bill or lease agreement), and your Social Security number. If you're refinancing, you'll also need your current loan payoff statement.

Our initial pre-qualification uses a soft credit pull, which does not affect your credit score. A hard inquiry only occurs once you formally accept a loan offer. We're transparent about this process and will always inform you before any hard pull is made.

GAP (Guaranteed Asset Protection) insurance covers the difference between what you owe on your loan and what your car is worth if it's totaled or stolen. Since new cars depreciate quickly, GAP can protect you from being 'underwater' on your loan. We offer competitive GAP coverage — ask your specialist for details.

Yes. We specialize in financing customers with open Chapter 7 or Chapter 13 bankruptcies. We have lender relationships specifically designed for this situation. Approval is possible — call us at 813-693-LOAN to discuss your specific circumstances.

Payments can be made online 24/7 through our payment portal at eautopayment.com. You can also set up automatic payments to ensure you never miss a due date. If you have questions about your payment, call us at 813-693-LOAN during business hours (Mon–Fri 9am–5pm).