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Few things are as exciting as buying a new car or truck. The look, the smell, the FEEL of the right vehicle goes far beyond meeting a practical need. There’s something deep in the American psyche that simply loves getting behind the wheel of certain machines. Starting them up. Driving them away.

Dealers know this, of course, and they’re quite good at keeping those positive feelings going. They ask all the right questions and lead the conversation in the most “yes” direction possible before moving in to close the deal. Salespeople aren’t necessarily doing anything wrong when they push you to buy; it’s their job and they have to pay the bills same as the rest of us. But they do this all day, every day, while most of us only buy a new automobile once or twice a decade. We’re at a disadvantage from the very start.

Over the past decade, however, it’s become increasingly easy to arm yourself with information before setting foot on that lot. The information explosion made possible by the internet means that with minimal effort you can compare vehicles, look at previous customers’ reviews of various dealers, get a pretty good idea of what the dealer pays for a specific car or truck, along with the average sale price of that same car or truck in your area over the past year. All without leaving the house.

New vehicle financing is similar in many respects. Although it’s less exciting than test-driving or comparing features and colors, it’s no longer shrouded in mystery to all but a chosen few. You don’t have to have an accounting degree to compare lenders or educate yourself about common terminology used when discussing new vehicle loans. You don’t even have to be good at math to use an online auto loan calculator to explore how different interest rates, down payments, or payoff periods change your monthly payment and total cost.

It’s all there. We’d be foolish not to take full advantage of it.

Payment Strategies

There are a number of things you can do to keep your new car auto loan manageable.

Don't buy more car than you can afford. You may be approved for a higher amount than actually makes sense for you. Know your monthly budget and your overall debt and where a new vehicle payment fits into that mix.

Your monthly payment amount matters, but so does the total cost you’re paying for the vehicle. Extending your loan from five years to six or seven, for example, means a lower amount due each month, but the additional interest will increase your overall expense considerably.

If you can afford a down payment, make one whether it’s required by the lender or not. Reducing the total amount of your loan by even a thousand dollars means a lower monthly payment and less interest paid over time. It may even allow you to shave time off the length of your loan so that the vehicle is yours more quickly.

Many consumers manage to pay off their vehicles months ahead of schedule by paying more than the minimum required. Consider rounding up your payments or paying bi-weekly instead of monthly. Either method can shave off payments each year.

Whatever else you do, however, make your required payments on time every month. Whether you already have decent credit or you’re rebuilding limited or bad credit, every payment you make on time is a step towards a better credit history and a higher credit score.

Things To Consider

Auto dealers aren’t necessarily the villains they’re so often made out to be – especially in this age of increased transparency and easy communication via social media. They are, however, looking to make a profit like everyone else who sells stuff for a living, whether it’s electronics, men’s formal wear, or extra value meals you can super-size for forty-nine cents.

Because it’s more difficult to make those profits on the sales themselves than it was before the internet age, dealerships sometimes seek to make up the difference by offering their own in-house financing.

All lenders are looking to make a reasonable profit by loaning out money – that’s how business works. The difference is that most lenders, from your local bank or credit union to online options you may just be getting to know, are largely hoping to keep you as a customer long-term. They want you to borrow from them, save with them, get your credit or debit cards through them, maybe even invest through them. This promotes transparency and balances their desire to make money right now with the larger desire to benefit from the relationship long-term. Most auto dealerships are under an enormous amount of pressure to make money on this sale, right now. You’re not likely to come back looking to buy another one anytime soon anyway.

Verify everything you’re promised is in the text of anything you’re asked to sign. Double check the totals and the interest rate to make sure they match what you’ve been told. You may not be able to avoid certain taxes or fees, but don’t hesitate to question every add-on, no matter how “standard” they assure you it is. Dealerships occasionally offer amazing financing in order to move inventory. Don’t hesitate to take advantage of such offers if they hold up to scrutiny – but don’t skip the scrutiny. If “Zero Percent” changes to an abusively high rate after twelve months or “No Payments for 90 Days” means you accrue interest for an extra three months on the full amount of the loan, that offer many not be so amazing after all.

Loanry® is here to help you get an auto loan for your new car


Why Loanry?

It’s almost impossible to imagine new car shopping before the internet age. Our access to information and comparison and pricing makes the experience one of preparation far more than negotiation. New vehicle loans should be viewed much the same way.

Some of us move pretty fast when it comes to major decisions, and we like for others to respond just as promptly. Other times, big decisions mean you’d prefer to consider your options more carefully, or take the time to explore different avenues, or even educated yourself a bit on the players involved or the terms being discussed. Either works for us.

You can reach out through any connected device whenever and from wherever you choose. Apply for a loan on your phone over a bowl of cereal or compare pricing options at work during your afternoon break. Some folks concentrate best after everyone else has gone to bed. You may be surprised at how quickly most online lenders approve your loan and deposit your funds – no matter where you were when you applied.

At Loanry, we’re not interested in selling you a vehicle and we don’t loan money. Instead, we’re striving to make personal and small business finance as accessible and efficient as possible for busy people trying to make the most of their lives and their resources. As part of that effort, we maintain a curated database of reliable online lenders, some of whom offer a wide range of financial services and others who specialize in auto loans or other slices of the market in order to maximize their own effectiveness and efficiency.

We’ll connect you to lenders who want to earn your business now and keep it over time, and who offer surprisingly competitive rates to people in circumstances just like yours. Compare what they’re offering to what’s available at your local bank or credit union. Analyze what the dealership says they can do. Then do what you decide is best based on the information available instead of what you think you have to do based on how things used to work.


In a handful of cases, a new vehicle is a business expense. We can deduct it, or at least the mileage we accrue, from our taxes each year. Other times, the right car or truck facilitates our advancement, directly or indirectly. By projecting the right image, or demonstrating reliability, or simply by feeling good each time we travel, we could argue that the right car is an investment in our professional success.

On paper, however, cars and trucks are poor investments. The vast majority begin losing their value the moment you drive them off the lot, and rare is the automobile you can show off fifty years later and legitimately label a “collector’s item.” That doesn’t mean, however, that buying a vehicle is a bad idea or that your financing decisions are doomed to end in failure. Every new car or truck loan, like any money you borrow, is an opportunity to strengthen your credit history. Every payment you make on time is an upward nudge on your credit score.

Your car or truck takes you places, sometimes figuratively but always literally. The ability to jump in and drive means you have almost limitless options when it comes to where you’d like to go or what you’d like to do. Other factors may intervene, but by and large your new car gives you a freedom unknown to most of mankind for thousands of generations.

Financial security, too, provides a type of freedom. It doesn’t require that you be extremely wealthy or have a perfect past. But the stronger you start making your credit history today and moving forward, the more resources will be available to you tomorrow, and at better terms. That means less money spent on fees and interest and more energy devoted to your priorities and goals.


We’re proud of our track record helping people find competitive rates and other terms online and hooking them up with an option to help them find a lender, but Loanry and the rest of the Goalry family are about more than that.

We’re building what we like to think of as a complete “content mall” of financial sites –,,,,,,, and of course and Each offers its own library of informational articles about financial topics of interest to real people living normal lives, as well as online tools and resources to assist in your decision-making.

Our goal is to simplify the worlds of personal and small business finance and help you take control of your finances – and through them, your future. It’s not always easy, but it doesn’t have to be as hard as it’s been before. And you don’t have to do it alone.


Did You Hear?

“I have an answering machine in my car. It says, ‘I'm home now. But leave a message and I'll call when I'm out.’”

Steven Wright (American Comedian, Actor, and Producer)

Educate Yourself

Get Moving Today With a New Car Loan!

Buying a new car is in many ways a luxury. We don’t usually need a new vehicle when a decent used car or truck would do. Sometimes there are plenty of good years left in what we’re driving now. At the same time, there’s a reliability to new automobiles that makes our lives a bit easier, and they certainly feel good to drive. Most of us certainly need something we can count on to get to work and run essential errands. They’re a reality of modern life few of us can do without.

What you do with your automobile matters to you and your future. So does how you finance it. Every decision we make today impacts our options tomorrow. Every dollar adds up, whether as savings or debt.

Your credit score and credit history matter. You may not be offered the best terms or lowest rates if you’ve have a limited credit history or if you’ve had difficulties in the past. That doesn’t mean, however, that you should accept whatever you’re offered without question. Not all lenders are the same. Some specialize in new road loans for bad credit or creative financing for unusual circumstances. You are not your credit score. You’re a customer willing to make good on your commitments going forward and deserve to be treated as such.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Pros & Cons of Financing A New Automobile

The are many ups and downs to getting a new car. It's always nice to have new wheels, but paying a new vehicle loan bill every month has to fit the budget.

Pros: More Reliable Vehicles

SNew cars are far less likely to require extensive maintenance and generally come with some sort of manufacturer’s guarantee. Dealers may offer additional warranties or other coverage at minimal cost or as part of negotiating the sale.

Pros: Better Interest Rates

New vehicles act as natural collateral for the loans used to purchase them, meaning less risk for lenders. New car loans also often stretch to five, six, or even seven years. The higher purchase price and extended time periods give lenders additional freedom to offer lower interest rates and still make a reasonable profit over the life of the loan.

Pros: So Many Options

There’s an almost endless array of cars and trucks from which you can choose when buying new, and plenty of sources of potential financing as well. Traditional banks and credit unions, alternative financing, online lenders – even family members may be willing to negotiate favorable terms.

Cons: Higher Prices

New cars cost more, no matter how attractive the financing. Some of this is comfort and reliability, but more and more consumers are demanding features and other extras which drive up the average sticker price of even the most moderate vehicles.

Cons: Longer Repayment Periods

Higher purchase prices are often offset by extended terms, with six or seven year loans becoming increasingly common. Longer repayment periods mean more interest paid over the life of the loan and extended months of debt. Every car or truck payment is money you’re not able to use for something else that week.

Cons: The World Is Not Enough

The commercial power of auto manufacturers and our cultural love of cars and trucks can pressure us into feeling like we simply must have more than we have, buy more than we need, or remain perpetually dissatisfied with the options available to us. Sometimes it’s better to decide to love what we can afford than to find a way to finance what we can’t.

See FAQs

Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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  • The selection of a third-party purchaser to acquire your information may be determined by a comparison of your registration information with available loan products. Lenders consider a number of factors when assessing your request.

  • We are not a lender, loan broker or agent for any lender or loan broker. We are a marketing lead generator and FREE advertising service designed to provide you with quick and convenient access to third-party lenders.

  • Your lender is legally required to provide you with loan documents, and disclose the terms of your loan, including rates and charges. Each lender has its own terms and policies. Be certain to evaluate all applicable terms and conditions of loan offers before making a decision.

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  • Funding times may vary. Not all consumers will meet the lending criteria to qualify for a loan.

  • In the State of California, Loanry, LLC is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law. Loanry’s California license #60DBO 66864 can be viewed by clicking the image on the left.

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