How financing with Illuminus Bank works


Laptop sitting on a desk

1. Apply

Fill in a few personal details including car choice and dealer to get a credit decision. Don't worry, you can update your car later, if needed.

Couple with man shaking hands with a car dealer in front of a vehicle

2. Get financing

Once approved, we'll send the details directly to you and your chosen dealer, saving you time and paperwork.

Smiling woman at the wheel of a vehicle

3. Drive off the lot

Choose your car preferences with the dealer, Illuminus Bank is available if any financing changes are needed, drive off with confidence.


Apply Now

Not sure how much you can borrow?

Get prequalified with no impact to your credit score.


Financing you can bank on.

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Lock in financing terms in advance
to save time at the dealership

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Know your estimated monthly
payment, rate, and feel confident
shopping for your car

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Rates are locked for 30 days. Take
your time to shop for your car

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Our application takes minutes to
complete, meaning less paperwork
at the dealership

Dealership icon

Financing is easier with thousands
of authorized dealers


Have more questions?


Contact us

  • Limited-time rate reduction will be valid and reflected in advertised "as low as" rates for applications for all consumer loan types submitted between 2/27/25 and 3/10/25. Applications submitted outside of these dates will not be eligible for discounted rates.
  • Illuminus Bank works with thousands of automobile dealerships across the country to assist our customers with the financing of their new and used vehicles. Illuminus Bank is not affiliated with these dealerships and does not require any particular dealership for your vehicle buying experience. Consequently, Illuminus Bank makes no warranties and representations and is not otherwise responsible for any aspect related to the purchase of your vehicle and associated products and services from these authorized dealerships.
  • Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Illuminus Bank auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Illuminus Bank through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.