Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Outside Financial auto loans review

Find a lender through this hands-on connection service.

Outside Financial is an auto loan connection service with an emphasis on service. It holds your hand throughout the entire car-buying process — from finding a lender to negotiating with your dealer — and could be ideal if this is your first time shopping for a car. The downside? It’s only available in 10 states.


Min. Loan Amount


Max. Loan Amount




Min. Loan Amount$7,500
Max. Loan Amount$100,000
Interest Rate TypeFixed
RequirementsLive in eligible state, valid driver’s license, age of majority in your state
Go to site

First, do I qualify?

Outside Financial is a connection service that works with lenders that have various eligibility requirements. To use the service, you typically must:

  • Live in an eligible state. Outside Financial currently only works with lenders in 10 states.
  • Be the age of majority in your state. That’s 18 in most states — 19 in Alabama.

State availability

You need to live in one of the following states to find a lender through Outside Financial:

  • Alabama
  • Arkansas
  • Delaware
  • Florida
  • Georgia
  • Indiana
  • Kentucky
  • Ohio
  • South Carolina
  • Virginia

What makes Outside Financial auto loans unique?

Outside Financial provides a uniquely hands-on service to ensure you’re getting the best deal on your new vehicle. Its markup index tool gives you an estimate of how much your dealer is increasing the price of your loan and other products based on data from the Consumer Financial Protection Bureau (CFPB) and Federal Reserve, among other sources.

It also explains how different add-ons work so you can make an informed decision. And its soon-to-launch online shopping tool can help you navigate the negotiation process by giving you tips for understanding common car sales jargon.

What types of car loans does Outside Financial offer?

Outside Financial’s partners offer car loans from $7,500 to $100,000 with terms typically ranging from 3 years to 7 years — though the average is five years. You can apply for the following types of car loans:

  • New car loans. Outside Financial’s partners offer financing for new trucks and cars that use the vehicle as collateral.
  • Used car loans. You can also get financing for a preowned truck or car, also using the vehicle as collateral.
  • Car loan refinancing. Think you can get a better deal on your current auto loan? Outside Financial can help you refinance for more competitive rates and terms.

What are the benefits of an Outside Financial auto loan?

From its handy online tools to its high loan amounts, there are several perks of using Outside Financial’s auto loan marketplace:

  • Markup index tool. You can estimate how much a dealer is marking up your loan, insurance and other costs related to buying a car to ensure you’re getting the best deal.
  • Online shopping tool. Outside Financial is working on a resource that provides car-shopping tips to help you negotiate with confidence.
  • No fees. You don’t have to pay anything to use Outside Financial’s services.
  • High maximum amount. You can find a provider that lends up to $100,000 through Outside Financial.

What to watch out for

Outside Financial’s limited state availability and the fact that it’s a newer company means it might not be the right choice for everyone. Here are some potential drawbacks to consider:

  • Not available in all states. You must live in one of the 10 states its partners service to be eligible for financing.
  • Cars and trucks only. Currently, you can’t find financing for other vehicles like RVs or motorcycles through its partners.
  • New service. Outside Financial just launched its platform in October 2018, so there’s a chance it’s still working out the kinks. You also don’t have any customer reviews to go off of.
  • Makes a profit from its partners — not you. While this doesn’t necessarily mean you’re not getting a good deal by using its services, it proves your interests aren’t its only priority.

Compare more car loan providers

Name Product Filter Values Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
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.
CarsDirect auto loans
No minimum credit score
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.
Auto Credit Express Car Loans
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.
Monevo Auto Loans
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.

Compare up to 4 providers

Outside Financial reviews and complaints

BBB accredited Yes
BBB rating A
BBB customer reviews
Trustpilot Score 2.9 out of 5 stars, based on 2 customer reviews
Customer reviews verified as of 19 October 2020

Outside Financial doesn’t have much in the way of online customer reviews or complaints. Though it earns an A rating from the Better Business Bureau based on factors like transparency and time in business, it has no reviews to speak of. And while it has a Trustpilot page, there are only two reviews in — both of which are negative curt statements that don’t say much other than the customers are unhappy.

How do I apply?

Before you get started, make sure you live in an eligible state and meet its minimum age requirement. If you have a specific car in mind, it helps to have the vehicle identification number (VIN) on hand, though it’s not required.

Follow these steps to apply:

  1. Go to Outside Financial’s website and click Pre-Qualify.
  2. Select whether you want to buy a car or refinance your current loan and enter your ZIP code. Click Next.
  3. If you know your vehicle’s VIN number, select I have the VIN and enter it before clicking Next. Otherwise, select Look up my vehicle and type in the year, make and model you’re interested in. Answer questions about mileage and how you plan on using it before clicking Next.
  4. Select whether you want to make a down payment or trade in your current car before clicking Next.
  5. Enter your personal information and choose a password.
  6. Read the terms of service and check the box that you agree. Click Pre-Qualify.

After you submit your application, Outside Financial’s algorithm works to find potential offers you might qualify for from up to three lenders. If you find a deal you like, follow the instructions to complete the application.

What documents do I need to apply?

Typically, you need to provide the following documents and information when you apply for a car loan through Outside Financial:

  • Driver’s license. Make sure it’s up to date to reflect the state where you live.
  • Social Security number. Lenders typically use this to check your credit and verify your identity.
  • Date of birth. Your birthday proves you’re old enough to borrow in your state and also helps verify your identity.
  • Proof of residency. Lenders generally ask to see a utility bill in your name or other documentation to make sure you live where you say you do.

I got an auto loan through Outside Financial. Now what?

Once you’ve been approved for an auto loan through Outside Financial, your lender should reach out with instructions on how to complete your purchase at the dealership.

At this point, consider taking advantage of Outside Financial’s markup index and shopping tools to make sure you’re prepared to negotiate with the dealer.

After you sign the dotted line and have your new car, get ready to start paying back your loan. If possible, sign up for autopay so you don’t have to worry about making repayments each month. Reach out to your lender’s customer service team — not Outside Financial’s — if you have any questions.

Bottom line

The main benefit of using Outside Financial’s car loan service is that it can help you sound informed — even when you’re new to car buying. But it’s a new company that hasn’t expanded to all states or developed a track record yet.

See how it stacks up to other connection services and direct lenders by checking out our car loans guide.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site