Car loans in Delaware

Local banks and credit unions typically offer lower rates than you'd find at the dealership. Compare national lenders against Delaware-based lenders to find the best deal.

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Carvana

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Compare car loans available in Delaware

For more car loans, select your credit score range and Delaware from our table.

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
Carvana			No minimum credit score	3.9% to 27.9%	Varies	18+ years old, annual income of $4,000+, no active bankruptcies	Get pre-qualified for used car financing and receive competitive, personalized rates.	See your rate More Info	Compare	loading Fetching your data…
car.Loan.com Car Loans			300	Varies by network lender	Varies by lender	Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.	Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.	See your rate More Info	Compare	loading Fetching your data…
CarsDirect auto loans				Varies by network lender	Varies by network lender	Must provide proof of income, proof of residence, and proof of insurance.	Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.	See your rate More Info	Compare	loading Fetching your data…
Auto Credit Express Car Loans			300	Varies	Varies	Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.	Get connected with an auto lender near you, even if you have bad credit.	See your rate More Info	Compare	loading Fetching your data…
Monevo Auto Loans			500	3.99% to 35.99%	3 months to 12 years	Credit score of 500+, legal US resident and ages 18+.	Quickly compare multiple online lenders with competitive rates depending on your credit.	See your rate More Info	Compare	loading Fetching your data…
LightStream Auto Loans			Good to excellent credit	Competitive		Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old	Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.	More Info	Compare	loading Fetching your data…
LendingTree			Good to excellent credit	Starting at 3.09%	Varies by lender	18+ years old, good to excellent credit, US citizen	Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.	See your rate More Info	Compare	loading Fetching your data…

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Getting approved for an auto-loan in Delaware

Delaware doesn't have any set laws that cap interest or govern how lenders operate, so there are no extra steps you need to take to be approved for a loan. When you apply, your lender will ask for some basic personal information — including your Social Security number and current financial details — to confirm your eligibility.

If approved, your final loan contract should contain the sale price of the vehicle and your down payment alongside the fees, insurance, finance charges, the amount of each payment and the final cost of your loan. Confirm that these match the numbers from the dealership before signing.

If you aren't approved, the lender you applied with should provide reasons for the rejection.

Banks and credit unions in Delaware that offer auto loans

Alongside large national banks, these local banks and credit unions may be good places to start when you're on the hunt for competitive rates.

Bottom line

Banks and credit unions in Delaware offer solid deals — although you may have to open an account to qualify for a loan. Compare local lenders and learn more about your other car loan options before heading to the dealership.

Frequently asked questions

Our answers to two common questions about car loans in Delaware.

Can I qualify for a car loan with bad credit?

Yes — there are car loan options for borrowers with bad credit. Some lenders in Delaware offer loans even with a less-than-perfect score, but be prepared to pay higher interest rates when you borrow.

Are title loans the same as car loans?

Title loans and car loans are very different products. A title loan is a short-term loan that uses your car title as collateral. A car loan is used to purchase a new or used vehicle.

Delaware sets specific guidelines for its title loans, although it doesn't cap the fees or interest a lender can charge. Like with all short-term loans, auto title loans are an expensive option that should only be used as a last resort.