1800FreshStart Auto Loans Review

Rating: 8.5 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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1800FreshStart.com has been helping consumers get the best auto loan rates by connecting them to a network of car loan companies since 1998. The company maintains a partnership with thousands of dealers and lenders nationwide that offer consumers with little, bad, or without credit auto loans for their needs. Their platform offers a free and no obligation auto loan application process which allows customers to apply in as fast at 90 seconds.

How is 1800FreshStart rated?


Loan Options
Application & Service

Overall Rating: 8.5 / 10 (Excellent)

1800FreshStart is an online marketplace for car loans, which can offer loans to customers who've gone through a bankruptcy process and have zero or bad credit. Their network of dealerships and lenders has allowed them to provide loan solutions for over one million consumers, including people with limited options.

Auto Loans & Refinancing

Loan Options - 9.5 / 10

In order to obtain loan specifics, potential customers must fill out a short form, giving their address, employment and SS number. Some companies partnered with 1800FreshStart include The Zebra, Insurify, Discount Car Insurance Rates, Smart Financial, and Esurance. Considering this, it is difficult to go into the specific details by company.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Min. APR

Loan Qualifications

Qualification - 9 / 10

1800FreshStart is an online marketplace, and each lender they work with has different requirements. That said, however, the wide array of dealerships and potential lenders in their network virtually guarantee that they can fulfill their claim of obtaining loans for a multitude of customers.

Borrower Qualifications

Minimum Age
Varies by lender
Minimum Income
Varies by lender
Minimum Credit Score
Varies by lender

Application & Service

Application & Service - 8.5 / 10

Applying for a loan isn't actually processed via 1800FreshStart, as they simply provide a free service, connecting customers to potential lenders. However, the companies we were recommended had only simple forms to fill out, and the process was quite efficient. Specifics such as approval and funding times, fees, and benefits or features will depend on the lender you ultimately choose.
Approval Time
Varies by lender
Funding Time
Varies by lender
Varies by lender

1800FreshStart Reputation & Reviews

Reputation - 6 / 10

Since 1800FreshStart is an aggregator, there is very little information about them online. However, once customers are matched with different lenders and dealerships, good places to begin research into a company's reputation include the Better Business Bureau and TrustPilot, for unbiased customer reviews. Another good resource is the JD Power study, whose easy to read scoreboard gives good comparison points.

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(888) 269-2777
Headquarters Address
909 N. Sepulveda Blvd., El Segundo, CA, 90245
Mailing Address
909 N. Sepulveda Blvd., El Segundo, CA, 90245

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Our Partner
8.5 / 10
  • Apply for an auto loan in just 90 seconds
  • No minimum credit score required
  • Free, zero-obligation application process
  • Simple and secure online application
  • Get approved, even with bad or zero credit
  • Wide network of lenders available