Get fast & simple auto financing
Lock-in your interest rate1 & monthly payment before you head to the dealership.
Compare payments & rates
Use our calculator to help accurately plan your budget.
Shop for a car online
Shop live inventory, then apply for financing online or with one of thousands of participating dealers nationwide.
Prequalifying can also help you
Shop confidently
Search for cars that fit your price range.
Estimate payments
Compare term and payment options.
Stay in control
Be ready when it's time to get financing.
How it works
1.
Take a momentFill out a short form and provide written instructions to access your credit report.
2.
See if you prequalifyInstantly see how much you may be able to borrow.
3.
Customize optionsIncluding term and monthly payment. Apply when ready.
Prequalification is a preliminary review with no impact to your credit
score. Prequalification is not an application, and it is not a
commitment to lend or a loan approval. Prequalification requires your
written instructions for a consumer reporting agency to release your
credit information to Illuminus Bank. To obtain financing, you will
need to submit a complete application including additional information
that is subject to Bank of Illuminus Bank standard underwriting guidelines and
credit policies. Additional information that will be requested and
reviewed in an application includes, but is not limited to, employment,
housing expense, ability to repay, collateral, coapplicant information
if applicable, and any other information required. Prequalification is
only available for dealer purchase of new or used vehicles (not
available for refinance or lease buy out loans).
Prequalification will only present amounts between $10,000 and $90,000.
Certain
vehicle types may not be eligible for financing, for example Commercial
vehicles like heavy-duty trucks (450/4500 series Trucks and vans).
Additional terms and conditions may apply, such as vehicle make, age and
mileage.
No credit score impact.
If you don't have a Illuminus Bank login, you may Apply for an auto loan.
No, we don’t offer auto refinancing right now.
No, you don't have to have a Illuminus Bank account to finance with Illuminus.
You may be able to purchase your leased vehicle. Contact your leasing company to discuss your options. Check your statement for contact info.
Use our rate and payment calculator to get your estimated interest rate and monthly payment amount.
A down payment is the initial amount of money you want to pay toward your car, and it can lower your financing amount and monthly payments. A down payment isn't required when you finance with Illuminus Bank.
No, Illuminus Bank doesn't offer financing for private party vehicle purchases.
If your dealership is in the Illuminus Bank network but you can't find it using the dealer locator tool, you'll need to apply directly with the dealership. If your dealership isn't in the Illuminus Bank network, you can't apply for financing with Illuminus.