We work with customers from a variety of credit backgrounds, including first-time buyers, individuals with limited credit history, and those rebuilding their credit. We encourage you to apply and see if you qualify.
No. Autly offers financing programs for borrowers with or without a Social Security Number. If you do not have an SSN, we can still review your eligibility using alternative documents such as a valid ITIN, passport, or other identification.
It's simple! You can apply directly through our partner dealerships or start the process online. Once the dealership submits your application, we’ll review it and provide a financing decision, often the same day.
Depending on your profile, you may be asked to provide:
- Government-issued ID or passport
- Proof of income (recent pay stubs or bank statements)
- Proof of residence
- Proof of insurance
- Down payment documentation
Your dealer will guide you through exactly what’s required.
Most applications receive a financing decision within minutes after all required information and documents are submitted by the dealership. If anything is missing, the review process may take a bit longer. We work closely with your dealer to keep things moving quickly.
Many first-time buyers and customers with limited credit history have qualified through our flexible financing programs.
Absolutely. Autly loans have no prepayment penalties, so you're free to make extra payments or pay off your balance early at any time. This can help you save on interest over the life of your loan.
We offer multiple payment options:
- Online through our payment portal
- Zelle through your banking app
- Over the phone with our customer service team
You choose what works best for you.
We understand that life happens. If you're going to be late, it’s important to contact us as soon as possible. Keep in mind that late payments may result in additional fees and could negatively impact your credit if not addressed. The sooner we hear from you, the better.
