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Your Dream.
Competitive rates from 7.99% APR on new and used vehicles, two-wheelers, and electric vehicles. Quick approvals, flexible terms up to 84 months.
No impact on your credit score to check your rate.
7.99%
Starting APR
84 mo
Max Term
$500K
Max Loan Amount
650+
Min Credit Score
Find the Right Auto Loan
From sedans to SUVs, motorcycles to electric vehicles — we have financing built for how you move.
Auto Purchase Loan
Finance a new or used car, truck, or SUV from a dealer or private seller.
- From 7.99% APR
- $10,000 – $500,000
- Up to 84-month terms
- New & used vehicles
Electric Vehicle Loan
Special rates for EVs and hybrid vehicles to help you go green for less.
- Rate discount on EVs
- $10,000 – $500,000
- Up to 84-month terms
- Plug-in hybrids included
Two Wheeler Loan
Finance motorcycles, scooters, and electric bikes with flexible terms.
- From 8.99% APR
- $5,000 – $100,000
- Up to 48-month terms
- Electric bikes included
Auto Loan Rates
Rates effective as of April 2026. Subject to credit approval.
| Loan Type | Term | APR As Low As | Min Loan |
|---|---|---|---|
| New Vehicle Best Rate | 12–84 months | 7.99% | $10,000 |
| Used Vehicle (≤ 3 years) | 12–72 months | 9.49% | $10,000 |
| Used Vehicle (4–7 years) | 12–60 months | 11.99% | $10,000 |
| Electric Vehicle | 12–84 months | 7.49% | $10,000 |
| Two Wheeler / Motorcycle | 12–48 months | 8.99% | $5,000 |
Preferred Rewards members receive a 0.25%–0.50% rate discount. APRs shown are for well-qualified borrowers.
Estimate Your Monthly Payment
Adjust the sliders to see your estimated payment instantly.
Est. Monthly Payment
$386
Principal + Interest
Results are estimates only. Actual terms subject to credit approval.
Why Choose Najem Financial Auto Loans
Straightforward financing with no surprises — so you can focus on the road ahead.
Fast Decisions
Get approved in minutes. Pre-qualify with no impact to your credit score.
Competitive Rates
Auto loans from 7.99% APR. Preferred Rewards members save an extra 0.25–0.50%.
Flexible Terms
Choose from 12 to 84 months. Match your payment to your monthly budget.
No Prepayment Penalty
Pay off your loan early at any time without additional fees or penalties.
Get Behind the Wheel in 4 Steps
Check Your Rate
Pre-qualify online with no credit score impact in under 2 minutes.
Choose Your Vehicle
Shop at any dealership or find a private seller. We finance both.
Submit Your Application
Complete the full application online with your vehicle details.
Sign & Drive
Funds go directly to the dealer. Get your keys and hit the road.
Preferred Rewards
Save up to 0.50% on your auto loan rate
Preferred Rewards members automatically receive a rate discount based on their tier — Gold, Platinum, or Platinum Honors.
Frequently Asked Questions
What credit score do I need for an auto loan?
Can I finance a used vehicle?
What documents do I need to apply?
Can I pay off my loan early?
Do you offer rate discounts?
How long does approval take?
Ready to hit the road?
Apply online in minutes. Pre-qualify with no impact to your credit score.