Looking to finance a car without setting foot in a dealership? These 10 options let you apply and sign online—and either buy from a true online retailer that delivers or fund a private-party/dealer purchase remotely.

Note: Availability and terms vary by location and credit profile. Always verify details before you commit.

1) Carvana — End-to-end online buying with built-in financing

• Why it works fully online: Shop, apply, e-sign, and have the car delivered. Carvana is the dealer, so no dealer visit is required.
• Highlights:
  • Pre-qualify without impacting your credit, then see personalized terms source.
  • Nationwide delivery/pickup in many areas source.
  • 7-day return policy for peace of mind source.
• Good to know: Sales tax, registration, and doc fees are handled during checkout; timelines vary by state.

2) CarMax — Online financing plus home delivery in many markets

• Why it works fully online: Complete most (or all) steps online; many areas offer home delivery, so you can avoid the store.
• Highlights:
  • Get pre-qualified with no impact to your credit score source.
  • Home delivery and Express Pickup available in select markets source.
  • 30-day/1500-mile money-back guarantee (where available) source.
• Good to know: In some states, final signatures may require in-person or hybrid delivery—confirm during checkout.

3) Tesla — Factory-direct ordering and financing

• Why it works fully online: Order, apply for Tesla financing or lease, and schedule delivery directly with Tesla—no franchised dealers.
• Highlights:
  • Apply for financing at checkout in your Tesla Account source.
  • Home or local delivery options vary by location source.
• Good to know: Financing applies to Tesla vehicles only; trade-ins can be handled online.

4) Driveway — Buy, finance, and get delivery to your door

• Why it works fully online: Digital retailer (part of Lithia Motors) offering online purchase, financing options, and delivery.
• Highlights:
  • Browse, finance, and complete paperwork online source.
  • Delivery to your home available in many areas source.
• Good to know: Return policies and delivery timelines vary—review terms before purchase.

5) Vroom — Online retail with lending partners and delivery

• Why it works fully online: Shop, finance through Vroom’s partners, and get the vehicle delivered.
• Highlights:
  • Financing during checkout through multiple lenders source.
  • 7-day or 250-mile return window (whichever comes first) source.
  • Delivery to your door in many locations source.
• Good to know: Delivery timing and title processing can vary—review current terms before ordering.

6) LightStream (by Truist) — Fast, fully digital funds for private-party or dealer purchases

• Why it works fully online: Unsecured auto loan funds are deposited to your account; pay a private seller or dealer remotely and arrange delivery/shipping.
• Highlights:
  • Entire process online; same-day funding possible once approved and conditions met source.
  • Use your funds to buy from a dealer, private party, or online retailer source.
• Good to know: No prequalification; application involves a hard credit inquiry. Rates vary by credit and loan terms source.

7) AUTOPAY — Marketplace for purchase and private-party auto loans

• Why it works fully online: Pre-qualify, compare offers, e-sign, and receive funding solutions that work with remote dealer or private-party purchases.
• Highlights:
  • Check your rate without impacting your credit score (soft inquiry) source.
  • Private-party auto loans available source.
• Good to know: Final lender terms depend on your credit and the vehicle; read each lender’s fees and payoff policy.

8) myAutoloan — Compare multiple lenders for dealer or private-party purchases

• Why it works fully online: Get multiple offers, choose the best fit, and fund a remote purchase without visiting a dealership.
• Highlights:
  • Submit one online form and compare offers, often in minutes source.
  • Private-party financing option available source.
• Good to know: Each lender sets its own requirements; carefully review documents and funding method (e.g., draft, EFT, or check).

9) Navy Federal Credit Union — Member-friendly rates and online closing (including private-party)

• Why it works fully online: Apply in minutes, e-sign most documents, and have funds sent to a dealer or private seller; arrange delivery or transport.
• Highlights:
  • Online application with fast decisions for new, used, and private-party loans source.
  • Membership required; eligibility includes military, veterans, and family/household members source.
• Good to know: For private-party transactions, Navy Federal pays the seller directly; verify title and lien requirements in your state source.

10) DCU (Digital Federal Credit Union) — Competitive credit union financing with e-sign

• Why it works fully online: Apply and close online; DCU supports dealer and private-party purchases—coordinate pickup or shipping to avoid a dealer visit.
• Highlights:
  • Online applications and eSign available for auto loans source.
  • Finances dealer and private-party purchases (subject to DCU guidelines) source.
• Good to know: Membership is required; DCU offers multiple paths to join (e.g., participating organizations) source.

How to choose the right online car financing (and skip the dealership)

• Start with prequalification where available: Many lenders/marketplaces let you check estimated rates with a soft credit inquiry (no score impact). Always verify on the lender’s site.
• Compare total cost, not just APR: Look at fees, taxes, title/registration, and shipping. The CFPB recommends comparing multiple offers within a short window when rate shopping source.
• Confirm digital closing and delivery: Ensure the seller or platform supports e-signing and home delivery or third-party transport so you don’t have to visit a lot.
• Verify return and inspection options: Online retailers often offer return windows (e.g., 7–30 days). Consider a pre-purchase inspection for private-party sales.
• Check payoff and prepayment terms: Avoid lenders that penalize early payoff or add surprise fees; confirm title transfer timelines.

Picking one of the options above can make buying and financing a car fully online straightforward—no dealer visit required.

10 Best Auto Loan Options for Every Credit Score in 2025

Finding flexible car loan terms online can be challenging, especially as credit scores vary significantly among borrowers. In 2025, a variety of lenders are offering tailored options to meet the diverse needs of consumers. Below is a list of the ten best auto loan options available today, organized by credit score category.

1. LightStream

• Credit Score Requirement: 700+
• Highlights: LightStream offers some of the most competitive rates for borrowers with good to excellent credit. Their loans come with no fees, and funds are typically available the same day.
• Website: LightStream

2. Rocket Loans

• Credit Score Requirement: 660+
• Highlights: Rocket Loans provides simple online applications with quick approval times. Borrowers can obtain flexible loan amounts and terms while benefiting from low-interest rates.
• Website: Rocket Loans

3. SoFi

• Credit Score Requirement: 680+
• Highlights: Known for low rates and a seamless online application process, SoFi also offers borrowers access to financial advice and career coaching, making it a holistic choice for auto financing.
• Website: SoFi

4. Carvana

• Credit Score Requirement: 500+
• Highlights: Carvana offers financing options for those with lower credit scores, making it an excellent choice for individuals looking to buy a car online. They provide quick online approvals and a unique vehicle purchasing experience.
• Website: Carvana

5. Ford Credit

• Credit Score Requirement: 620+
• Highlights: Ford Credit provides flexible financing options specifically for Ford vehicles. They offer competitive interest rates and special incentives for new model purchases.
• Website: Ford Credit

6. Capital One Auto Finance

• Credit Score Requirement: 580+
• Highlights: Capital One allows borrowers to check their pre-qualification without impacting their credit score. Their online tools make it easy to compare various offers and find the best fit.
• Website: Capital One Auto Finance

7. Wells Fargo Auto Financing

• Credit Score Requirement: 660+
• Highlights: Wells Fargo provides a range of financing options including dealer purchases, private sales, and refinances. Their online application process is user-friendly and quick.
• Website: Wells Fargo

8. Credit Unions (e.g., Navy Federal Credit Union)

• Credit Score Requirement: Varies
• Highlights: Credit unions often offer lower interest rates than traditional banks and have more flexible terms. Membership may be required, but benefits often outweigh the prerequisites.
• Website: Navy Federal Credit Union

9. LendingClub

• Credit Score Requirement: 600+
• Highlights: LendingClub focuses on personal loans that can be used for auto purchases. They cater to borrowers with fair credit and provide quick online applications.
• Website: LendingClub

10. Bank of America

• Credit Score Requirement: 620+
• Highlights: Bank of America offers auto loans with competitive rates and perks for existing customers. Their online tools provide easy budget planning and loan comparisons.
• Website: Bank of America

Conclusion

In 2025, securing an auto loan with favorable terms is more accessible than ever, thanks to the variety of options available online. Whether you have excellent credit or a less-than-perfect score, options are available that cater to your needs. Make sure to conduct thorough research, compare rates, and understand the terms before committing to any loan. Happy car shopping!