Drive Your Dream Car Today with Our Competitive Auto Loan Rates
Affordable rates tailored to fit your lifestyle.
Limited Time Offer
Bring your current auto loan to Raiz and take advantage of more benefits including:
Get a 1% rate discount1, plus 0.25% off when you set up automatic payments2
and enjoy no payments for 90 days3
Promo Code: REFI25
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Why Choose Our Auto Loans?
Flexible Terms & Rates
Flexible terms and competitive rates that suit your budget.
Fast Approval
Fast approval process — drive away sooner than you think.
24/7 Support
24/7 customer support ready to assist you.
No Payments for 90 Days3
You may skip the first three months of payments, so you can enjoy your vehicle and start saving money.
Hear from Our Satisfied Customers
The process to apply for the loan was so quick and easy. I am a returning loan applicant.
Easy online application process with same day approval.
Was very pleased with the professional service we received.
Find the Perfect Plan for You
Browse our competitive rates and find the loan term that best fits your needs.
Limited Time Offer
Bring your current auto loan to Raiz and take advantage of more benefits including:
Get a 1% rate discount1, plus 0.25% off when you set up automatic payments2—and enjoy no payments for 90 days3.
Promo Code: REFI25
| Loan Term | Interest Rate (APR*) | Example payment |
|---|---|---|
|
Up to 84 months |
6.99% |
$302/month for $20,000 loan |
|
Up to 78 months |
6.49% |
$315/month for $20,000 loan |
|
Up to 66 months |
6.24% |
$359/month for $20,000 loan |
|
Up to 48 months |
5.24% |
$463/month for $20,000 loan |
*Rates are subject to change. Example payments are estimates only.
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Applying is easy! Just have your ID, proof of income (including two pay stubs dated within the last 30 days), proof of address, and details about the car you’re buying. If you’re refinancing, we’ll also need information about your current loan.
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We work fast—most members get a decision within 1–2 business days. Sometimes even the same day!
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Absolutely! Pre-approval gives you a clear budget and extra confidence at the dealership. It’s a great way to start your car-buying journey.
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Yes, we do! Whether you’re buying new, used, or refinancing a current loan, we’ve got options to fit your needs. (Some age and mileage limits may apply.)
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Yes, there are no pre-payment penalty fees. Pay off our loan early and save on interest!
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1
Apply online in just minutes
Fill out our simple online application form quickly and easily.
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2
Receive instant feedback
Get immediate updates on your application status.
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3
Finalize and drive away
Complete your loan process and get behind the wheel.
Ready to Make Your Move?
Have questions? We’re here to help! Reach out through any of the channels below for personalized assistance.
Disclosures
1 Promotion period: May 1, 2025 – July 31, 2025. Loan approval is subject to creditworthiness. This offer excludes refinancing of existing Raiz loans. Must meet membership eligibility requirements. Promo limited to floor rate of 4.99% Annual Percentage Rate (APR).
2 Receive 0.25% discount on your auto loan rate when you set up automatic payments. The discount applies only while auto pay is active. If automatic payments are canceled, your rate will increase by 0.25%.
3 Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements.
4 APR = Annual Percentage Rate. Rates are subject to change at any time without notice. All loans are subject to credit approval. Not all applicants may qualify.
More Features
Low Rates
If you’re looking for a better deal on auto financing, we’ve got lower rates than other lenders.
Local Underwriting
We help you get the loan you need faster, by verifying your income, assets, and other financial details locally.
Terms up to 84 Months
Enjoy more flexible repayment terms to finance your new car at an affordable monthly payment.
No Payments for 90 Days
You may skip the first three months of payments, so you can enjoy your vehicle and start saving money.
No Annual Fees or Prepayment Penalties
Feel at ease knowing you can pay off your auto loan in a timeframe that works for you, without penalties or fees.
Easy and Fast Pre-Approvals
You can spend less time waiting and get approved for your next car loan faster.
Refinancing Services
You can refinance an existing auto loan to receive better terms and more affordable rates.
Gap Insurance and Extended Warranty Available
Protect your vehicle and your wallet when you take advantage of insurance and an extended warranty, all in one place.
Rates
| Loan Term | Interest Rate (APR*) | Example payment |
|---|---|---|
|
Up to 84 months |
6.99% |
$302/month for $20,000 loan |
|
Up to 78 months |
6.49% |
$315/month for $20,000 loan |
|
Up to 66 months |
6.24% |
$359/month for $20,000 loan |
|
Up to 48 months |
5.24% |
$463/month for $20,000 loan |
*Rates are subject to change. Example payments are estimates only.
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