Clearlane Auto Loans Review

Rating: 9.5 / 10 (Excellent)
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Clearlane is an auto loan broker and online marketplace that helps consumers to finance or refinance their vehicles by matching them with lenders. The company is affiliated with Ally, an online financial services company. Prospective borrowers anonymously answer basic questions on Clearlane's website and are presented with interest rate and monthly payment figures for the loan they want.

How is Clearlane rated?


Loan Options
Application & Service

Overall Rating: 9.5 / 10 (Excellent)

Clearlane does a very good job of giving consumers in the market for an auto loan or auto refinance an estimate of what they will pay, given their credit rating, the amount financed, and the term of the loan. But because it is a marketplace, rather than a lender, it's difficult to evaluate the nitty-gritty of the loans it helps to arrange. Clearlane is apparently unresponsive to BBB complaints. Its parent company's reputation is marred by credible allegations of discriminatory lending practices. And it discloses very few details about its operations, its lender network, or its corporate identity. Consumers are advised to approach with caution.

Auto Loans & Refinancing

Loan Options - 9.7 / 10

Since Clearlane is an auto loan marketplace, not a lender itself, it does not set minimum and maximum loan amounts or terms, interest rates, or downpayment requirements. They do, however, offer loans for purchase from dealers or private parties, refinance, and lease buyouts.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Loan Qualifications

Qualification - 9.6 / 10

Each lender Clearlane partners with has its own qualification process, so it is not possible to comparatively evaluate that process here.

Borrower Qualifications

Minimum Age
Most be 18 or older
Minimum Income
No Minimum Specified
Minimum Credit Score
No Minimum
US Citizenship Requirement
Verification / Documents Required
Social Security Number

Vehicle Qualifications

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

Application & Service

Application & Service - 10 / 10

Preliminary contact with lenders is done through Clearlane's site, which is very easy to understand and navigate.
Approval Time
Same Day
Funding Time
1 - 7 Days
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Auto Loan Calculator

Clearlane Reputation & Reviews

Reputation - 8.5 / 10

Prior to 2017, Clearlane was called BlueHarbor and had an A+ rating with the BBB. In 2017, BlueHarbor was acquired by Ally, an online financial services company, and was renamed Clearlane. Clearlane has an F rating from the BBB based on a handful of consumer complaints that the company has not addressed. The company's new owner, Ally, paid $80 million in 2014 to settle federal civil rights claims against it for discriminatory auto lending practices. Given Ally's history and Clearlane's refusal to address BBB complaints against it, the company's reputation is spotty at best.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(866) 677-8630
Headquarters Address
15 Enterprise #520, Aliso Viejo, CA, 92656
Year Founded

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