BarNone Auto Loans Review

Rating: 8.7 / 10 (Excellent)
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Since 1995, BarNone has been connecting consumers with local lenders and auto dealerships nationwide, free of charge, through and 1-800-BarNone. The company helps customers find loans for new cars, used cars, and auto refinance, regardless of whether the purchase is from a dealer or private seller. BarNone helps all consumers, even those with less than ideal credit scores, bankruptcy, or repossessions, find the best auto loan solution for their needs.

How is BarNone rated?


Loan Options
Application & Service

Overall Rating: 8.7 / 10 (Excellent)

As their name suggests, BarNone is a free online loan matching service that offers financing and refinancing options for anyone with verifiable income, without exceptions. They rank well because of their track record of getting results, specifically for those customers with poor or new credit, who have filed for bankruptcy, had a repossession, or cannot provide a downpayment for the purchase of a new or used car. As a marketplace, BarNone searches for finance and refinance options for their clients from the moment they apply for the service, and helps them obtain a fair interest rate and affordable monthly payments. If you are looking to purchase or refinance your car, truck, van or sport utility vehicle but your credit is less than perfect, or you can't afford a downpayment, BarNone could be the option you have been searching for.

Auto Loans & Refinancing

Loan Options - 9.5 / 10

BarNone offers auto purchase loans for both used and new vehicles, as well as auto loan refinancing options with no money down. The company caters to both people new to establishing credit, or with less-than-perfect credit scores, looking for a viable financing option. Although the company sets minimum application requirements, those looking for an opportunity to rebuild their credit while being able to afford the vehicle they want will find that BarNone is one of their best options. Loan details such as terms and annual percentage rates depend on the lender as well as the applicant's down payment amount and ability to make repayments on a loan.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 9.5 / 10

To qualify for an auto loan through BarNone, applicants must be 18 years or older and show proof of income. The usual minimum monthly income required is about $1,500 a month, but that will vary from one lender to the next. BarNone also features programs with no down payment requirements, as well as options for people who have filed for bankruptcy, have had a repossession, or are just now starting to build and/or repair their credit. Being self-employed or on disability will not hinder an applicant's chances of approval, as long as they have verifiable income, sufficient savings, or other assets.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Credit Score
No Minimum
US Citizenship Requirement
Verification / Documents Required
Account Balances / Payment History
Employment Information / Pay Stubs
Proof of Citizenship / Residence

Vehicle Qualifications

Mileage Limit
No Limit
Car Age
No Limit
Car Makes
Any Vehicle Make

Application & Service

Application & Service - 9 / 10

As an online marketplace, BarNone offers faster than usual, same-day approval through their simple application process, which begins the moment the customer calls or completes their online form. The company's funding philosophy centers around matching consumers with lenders while offering a unified platform where they can easily access and review multiple options, minimizing buyer frustration and generating leads for partner lenders and dealerships. BarNone is headquartered in Santa Ana, California, where they maintain a 24-hour call center, a rare feature for comparison sites and marketplaces. BarNone does not charge application or processing fees, and their service is completely free for all U.S. citizens.
Approval Time
Same Day
Funding Time
1-7 Days
No Fees
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available

BarNone Reputation & Reviews

Reputation - 6 / 10

There is no online information about BarNone on independent consumer review sites like or, yet their own website features client testimonials from people with less than perfect credit who were able to obtain a fair auto loan rate through their marketplace. Before accepting a lender's offer, we recommend you look the company up on the Better Business Bureau website or and read past reviews to help you decide whether or not the business is reputable.

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(800) 227-6663
Headquarters Address
4 Hutton Center Drive, Suite 200, Santa Ana, CA, 92707

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Customer Comments & Reviews

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Newark, New Jersey
Your company have worked with me some years back, I was very happy with the out come, I'm now going through the company again and hoping that I could get even better results, hope to have a good outcome today

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