First Choice Auto Loan Review

Rating: 8.4 / 10 (Excellent)
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First Choice Auto Loan offers quick access to auto financing from hundreds of dealerships and auto lenders through their online application form. The website allows consumers to locate an auto loan which meets their needs and budget with no obligation or fees applied. First Choice Auto Loans also lets consumers obtain financing for new or used vehicle regardless of their credit history.

How is First Choice rated?


Loan Options
Application & Service

Overall Rating: 8.4 / 10 (Excellent)

First Choice Auto Loans is an online loan marketplace offering auto financing options to help consumers with little credit history or poor credit obtain the new or used vehicle they want. Much like other lenders in our top ten list, First Choice Auto Loan provides an easy online application with few requirements and delivers results in as little as 24 hours. The company's website is truly user-friendly, yet offers no details about First Choice Auto Loan, who they are, and how long they have been in business. Those with compromised credit may benefit from applying for financing though this marketplace, but should be wary of accepting a deal from a unknown lender that fails to disclose who they are or where they are headquartered.

Auto Loans & Refinancing

Loan Options - 9 / 10

First Choice Auto Loan specializes in matching customers with new or poor credit within their network of trusted lenders, regardless of vehicle or particular credit situation. Loan terms and rates will depend on a number of factors, including loan amount, credit score, and vehicle make, model, and mileage, yet loan durations typically range between 24 and 72 months. First Auto Loan's website also provides affordability and monthly payment amount calculators for those wanting to estimate their monthly repayment and annual percentage rate based on their desired loan amount.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Term Length
24 months
Max Term Length
72 months

Loan Qualifications

Qualification - 10 / 10

People who apply for financing through First Choice Auto Loan must be 18 years or older and may be required to provide personally identifying details such as their address, date of birth, and social security number. Additional requirements will, again, vary by lender, but there are no minimum credit score or vehicle requirements.

Borrower Qualifications

Minimum Age
Must be 18 or older
Minimum Income
No Minimum
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 - 8 / 10

First Choice Auto Loan offers a simple online application process prospective customers can complete in minutes and will only require basic details about their credit situation. As soon as the company receives the information, they begin matching the customer with companies from their network of dealership and lending partners. Once the customer is approved, they will be contacted to finalize the application process and receive funding in as little as 24 to 72 hours. First Choice Auto Loan does not charge application or processing fees, but additional charges will depend on the lender selected.
Approval Time
Same Day
Funding Time
1-7 Days
No Fees Specified
Benefits/ Features
Online Rates / Application
Pre-approval Soft-credit Inquiry
Customizable Payment Deadlines
Deferred Payments
Joint Loans Available

First Choice Reputation & Reviews

Reputation - 6 / 10

There are no online reviews for First Choice Auto Loan from other reputable sources such as the Better Business Bureau or Consumers interested in applying for an auto loan through this marketplace are advised to look up the lenders they are matched with in one or both of the aforementioned websites to ensure their reliability.

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(419) 693-0000
Headquarters Address
1000 Woodville Rd, Toledo, OH, 43605

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Our Partner
8.4 / 10
  • Simple and secure online application in 5 minutes or less
  • No obligation or fees to apply
  • Shop auto loan application across a large network of dealers
  • Secure financing for new or used vehicle
  • All credit types are welcome
  • Same day pre-approval