1800FreshStart Review 2024
Can They Help You Get a Car Loan?
My 2024 1800FreshStart review looks at its website and the service it provides people with “bumps” in their credit history.
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They claim they take applications for auto loans from car buyers with bad credit or no credit. Pre-qualify for auto loans from $3,000 to $45,000 in just minutes. 1800FreshStart helps car buyers looking for a fresh start regarding their credit.
About 1800FreshStart
Since 1998, 1800FreshStart has assisted customers in finding the best auto loan rates by introducing them to a network of auto loan providers.
To meet the needs of customers with poor, no, or little credit, the company continues to work in partnership with thousands of dealers and lenders across the country.
Customers can apply for an auto loan on their platform in as little as 90 seconds, and there are no costs or obligations.
1800FreshStart Pros and Cons
What I like about 1800FreshStart (Pros)
- Various loan options
- Bad credit consumers accepted
- A vast network of national lenders
What I do not like about 1800FreshStart (Cons)
- The interest rate could be high
- Rates and term depends on the lender
What Makes Them Different?
A network of lenders specializing in vehicle loans for borrowers with poor credit or no credit has been established by 1800FreshStart.
Even applicants with a bankruptcy or foreclosure record may be accepted through their lenders.
You may receive vehicle loan offers from lenders all around the country by completing a single application.
Once you receive your car loan offers, you can comparison shop to find the best one that fits your needs.
How Does 1800FreshStart Work?
1800FreshStart functions more like an agent or broker than a typical bank or lender.
You must follow these steps to obtain their loan offers.
General Loan Requirements
Minimum requirements to apply with 1800FreshStart:
- 18 years of age
- Proof of full-time employment or a fixed income of $1000/mo
- A current resident of the United States or Canada
Gather Additional Paperwork
Depending on the lender you’re matched up with, you may want to have the below information on hand:
- Information on the vehicle you wish to purchase
- Personal identification
- Your vehicle registration (if trading a car)
- Proof of income
- Proof of residency
- Proof of insurance
- Banking history
- Personal reference contact information
Remember that this is only a rough list and that the lenders may want more or fewer details.
The 1800FreshStart Application Process
First, you must determine the kind of finance you’ll require.
- Are you purchasing a new or used vehicle?
- Lease buyout or refinancing?
Once you choose, it’s time to get started.
- Fill out the form: Fill out the quick form to be matched up with a 1800FreshStart network auto lender.
- Partner up: Once you submit your information, you will be partnered with an auto lender.
- Pick a vehicle: Now that you have an auto lender, it’s time to find that perfect vehicle.
- Apply for a loan: It’s time to apply now that you are sure you fit the standards in general, have all your paperwork organized, and know which auto dealer you will be working with. You will most likely see a hard credit inquiry on your credit profile at this point. The credit bureaus will grant you a 15-day grace period during which you can compare as many auto loan rates as you like while just recording one hard inquiry.
- Compare offers: Before choosing, carefully consider the proposals you get. You have up to 30 days to make a decision. You should view their conditions, interest rates, and if you are required to put down cash towards the purchase or co-signer. Examine the options and choose the best one!
- Don’t forget the fine print: Keep in mind that each lender will have different specifications. Carefully examine every offer in as much depth as you can. Make sure you are aware of the costs involved. Verify that nothing has changed between the first offer and the final agreement by referring back to the original proposal.
- Choose an offer: Once you decide on a proposal, you may fund your loan using a bank deposit, an ACH transaction, a check, or a certificate. In many scenarios, you can get your money as soon as the following working day.
Why I Like 1800FreshStart
Getting a car loan in an uncertain economy can be a challenge, even with good credit. With poor credit, it can be nearly impossible. This is where 1800FreshStart can help.
Since 1998 they’ve been connecting those with less than perfect credit with lenders and car dealers across the country.
Whether you have no credit or poor credit, they can help you get a fresh start with a car loan.
- Request an auto loan in just 90 seconds: 1800FreshStart makes the loan process quick and easy. Fill out an online form and connect with a lender or dealer willing to work with you.
- Get your car within 48 hours: Their network of lenders is eager to help you get the vehicle you deserve. Once approved, you can have the car of your dreams in just 24-48 hours.
- Rebuild your credit rating: Get started rebuilding your credit score with a loan from 1800FreshStart. Every payment you make on time helps you rebuild your credit rating to make life easier in the future.
What Gives 1800FreshStart the Edge?
You can get your car loan quickly through an established network of lenders and dealers.
Whether you’ve been recently laid off, divorced, or have a poor credit rating, 1800FreshStart can help you get the car you deserve. You can complete their straightforward application process in just 90 seconds.
Your application is reviewed by a network of lenders willing to see that you get the cash and car you want.
- A long history of helping consumers like you: 1800FreshStart has been connecting consumers with lenders and car dealers for over 20 years. They helped over 1,000,000 people get loans to get the cars they needed.
- Specialists in poor and no credit loans: While you can get a loan through 1800FreshStart with good credit, they excel at helping those with bad credit, no credit, and even bankruptcies. They like to say “yes.”
- Quick online application: Get started by completing an online application in 90 seconds. Get your car loan quickly without the mountains of paperwork required by other lenders.
Advanced Features that Make Getting a Loan Easy
They have the right tools to rebuild your credit and get the loan you deserve.
1800FreshStart not only helps you get the money you need and the car you deserve, but they can put you on the path to rebuilding a solid credit score through your timely payments. This solves your short-term transportation problems and puts you on the way to better credit.
Their website is easy to use and contains some valuable information to give your credit a “fresh start.”
- They make the process easy: Get started by filling out the online application form. You’ll be contacted by lenders willing to help you get the car you deserve.
- Answers to your most frequently asked questions: How much car can you afford? What determines your payments? Do you need a downpayment, and if so, how much? Get the answers to these questions and more through 1800FreshStart.
- Secure process: 1800FreshStart uses the latest encryption processes to keep your information safe. They’ve helped over one million consumers get loans securely.
1800freshstart Benefits
A few of the most prominent benefits of using 1800FreshStart to get an online auto loan are:
- An extensive network of lenders and dealers: A large network means the odds are better you’ll get the car loan you deserve. 1800FreshStart has been connecting borrowers and lenders for over two decades.
- Buy the new or used car of your dreams: With auto loans ranging from $3,500 to $45,000, you can choose a wide range of vehicles to fit your budget.
- Even if others have said no, you can get a loan: They specialize in poor credit loans. Even if you’ve been told you cannot be approved for a car loan, it only takes a minute to start with 1800FreshStart.
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What Could Make 1800FreshStart Better?
If you have no credit or bad credit, or if you’ve experienced bankruptcy, rebuilding your credit can take time.
While 1800FreshStart helps consumers get loans, it is up to you to rebuild your credit through timely payments. There is also a price to pay when securing a loan with poor credit.
- You’ll probably pay a higher interest rate: Poor credit lenders expect a higher return on their investment because they may be taking a more significant risk. This often results in higher interest rates for poor credit borrowers.
- Lenders will contact you: This can be both good and bad news. The good news is that since lenders are reaching you, they already have an interest in lending you money. Some borrowers, however, may prefer not to be contacted.
- You may have a downpayment: If your credit is particularly problematic, a lender may ask for you to have a down payment. This minimizes their risks by ensuring you have some “skin in the game.” These down payments are usually pretty low, however, about 10% of the car’s price.
My 1800FreshStart Endorsement
With over 20 years of experience and over one million successful loans completed, 1800FreshStart has proven to be an effective way for just about anyone to get a car loan.
The process is relatively simple and quick, and borrowers can have the car they want within 24-48 hours.
Perhaps best is that they can help those with poor credit get a fresh start building their credit while assisting them in securing reliable transportation.
- Advantages: Quick & easy to get started, long history of success in helping consumers secure car loans, poor credit auto loan specialists.
- Features: Easy, secure loan application process, provides answers to most frequently asked questions.
- Limitations: Potentially higher interest rates than standard good credit loans, lenders contacting you, and possible down payment required.
1800FreshStart FAQs
Is 1800FreshStart Legit?
Yes – 1800FreshStart is one of many auto loan websites owned by Internet Brands, Inc. out of El Segundo, California.
Does 1800FreshStart work with a recent bankruptcy?
Yes – They should be able to match you with a lender that will suit your needs.
Who should apply with 1800FreshStart?
Below are some people who should feel free to apply:
- Bad credit
- Limited credit
- No credit
- Repossessions
- Recent bankruptcy
How does 1800FreshStart work?
Fill out an online form and connect with a lender or dealer willing to work with you.
MyAutoloan Company Details
Company Name: 1800FreshStart
Year Founded: 1999
Website: www.1800FreshStart.com
Location: El Segundo, California, U.S.
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About the author
My name is Carlton Wolf, and I’ve been in the car business since 1994, both retail and wholesale. I created the Auto Cheat Sheet to better educate buyers about the deceptive sales practices used by many dealerships throughout the country. Please understand that not all car dealers are dishonest. However, you never know who you’ll be dealing with, though. I’m willing to share my knowledge and experience with anyone who listens. Keep in mind that I’m a car guy, not a writer.
