Low APR Loans

What is a personal loan?

In simplest terms, personal loans can be described as borrowed money from a credit union, bank, or online lender that is repaid over time with interest.

Personal loans can provide a lump sum of cash to be repaid over time with fixed monthly payments and interest. Most banks, credit unions, and online lenders offer personal loans. To qualify for a personal loan you should have a credit score of at least 540. Most lenders have a minimum credit score requirement. If you are applying with a lender that has a higher minimum credit score requirement than your actual credit score, you may get denied. In most cases, personal loans do not have spending restrictions, thus allowing you to spend the money on anything you need to. Personal loans are commonly used for financing home improvements, weddings, car repair, emergency expenses, medical bills, debt consolidation, and more. Unsecured personal loans do not require collateral making them easier to qualify for and less risky than secured loans. Acorn Finance can connect individuals to lenders that offer personal loans up to $100,000 with terms up to 12 years. Most personal loans do not have a prepayment penalty. Regardless of the loan term you choose, we recommend paying extra each month with the intention of paying the loan off early. Paying as little as 10% extra each month can save you hundreds of dollars in interest.

Most personal loans are unsecured meaning they are not secured by collateral. While most personal loans offer repayment terms on average of two to seven years, you can find terms up to twelve years offered through Acorn Finance.

Whether you are considering diving into a home remodel, or thinking about adding a pool to your home with new landscaping that requires additional financing, Acorn Finance can help you get the perfect personal loan at the payment terms you need.

What are the requirements for a personal loan?

Most lenders have basic requirements to qualify for a personal loan. You can usually access these basic requirements on the lender’s website or contact a representative. Making sure you meet the basic requirements is the first step toward getting approved for a personal loan. Given the current market and uncertainty, most lenders are requesting proof of income before finalizing loan approvals even if you have excellent credit. It’s important to make sure the information you submit on your initial application is as close to actuals as possible. Basic requirements for a personal loan typically include. . .
– Credit score
– Payment history
– Consistent income
– Reasonable debt-to-income ratio

What can I use a personal loan for?

One of the most appealing factors of a personal loan is that it can be used for just about anything.

The lender typically does not require you to specify how the money will be spent.

In addition, in most cases there is nothing binding in the agreement that prohibits borrowers from spending the money on certain things.

Check out our home improvement financing options if you are a homeowner

What is a good interest rate on a personal loan?

The definition of a good interest rate can vary depending on your credit score. If you have a 750 credit score or above, you can expect to secure an interest rate as low as 3.99%. In addition to credit score, loan amount and loan term can impact interest rates. Once you have found the lender you want to use, you should review their rate chart to see what options you qualify for. In some cases, you may get a lower interest rate for choosing one term over another. It’s important to know your options to make smart financial decisions. If you have fair or bad credit you should focus more on finding a lender you qualify for. Whether you have good credit or bad credit you should compare interest rates. However, you should avoid submitting multiple applications and having your credit pulled more than once. Acorn Finance allows individuals to submit one application and receive multiple personalized loan offers within seconds without affecting credit. Acorn Finance can save you tons of time and money too.

What is a good APR rate for a personal loan?

If you are looking for the lowest APR for a personal loan you should check out Acorn Finance.

On approved loans, borrowers can take advantage of rates as low as 3.99%.

This is much lower than the typical average among most lenders which is around 6% to 36%.

 

Who has the lowest APR for personal loans?

Acorn Finance offers rates lower than the industry average. Using the Acorn Finance platform applicants can submit one application that does not affect their credit and receive multiple personalized offers from lenders within seconds.

Acorn Finance partners with reliable and top-rated lenders in order to increase competitiveness and help borrowers secure the lowest rates.

You can see below what interests rates are possible for combination of different loan amount and loan term years.

 

Is 17% a high interest rate? 

Interest rates are typically determined by a number of factors evaluated by the lender. Most lenders evaluate a borrower’s income, credit score, debt to income ratio, and more.

While 17% may be on the high side for someone with good to excellent credit it may not be for someone with credit challenges.

 

How much would a monthly payment be on a $50,000 loan?

A monthly payment on a $50,000 personal loan could be as low as $462.00 using a 12 year term at 4.99%. If you wanted to go with a 6 year term at 4.99% on a $50,000 personal loan the payment would be around $805.

 

Can you get a personal loan with a credit score of 550 or below?

Securing a personal loan with a credit score of 550 or below can be challenging, but not impossible. If you need a personal loan and have a credit score of 550 or below you should consider applying with a co-signer who has good credit.

This can help increase your chances of approval while helping you secure a lower interest rate and build your credit. If you do use a cosigner it’s important to remember that their credit can be affected if you default on the loan. This means it’s even more important to make payments on time and repay the loan.

In the event you are unable to make a payment, you should communicate with your co-signer to make other arrangements.

After all, you only get so many chances in life, especially when it comes to borrowing money.

 

Do you need credit to secure a personal loan?

Acorn Finance offers personal loans for all credit types. In most cases, personal loan approval is based on credit score, credit report, and debt-to-income ratio.

However, there are some lenders who specialize in working with borrowers who have a lack of or bad credit. These lenders may consider other factors during their approval process. If you have bad or no credit you may not qualify for the lowest rates but you can still have a chance of approval.

Even if you are approved for a higher interest rate the loan may still make sense and can help build your credit.

The more credit you can establish or repay in good terms, the better your score should be. If you are unable to receive approval you should look into secured or co-signed loans.

How much can you borrow with a personal loan?

Some lenders, such as LightStream, offer personal loans up to $100,000. It would be rare to find a lender that offers an unsecured personal loan for more than $100,000. If you need to borrow more than $100,000 you may need to consider a secured loan. Secured loans require collateral which makes them less risky for the lender. Since there is less risk, lenders often offer higher loan amounts and more flexible terms. However, secured loans are usually harder to qualify for than unsecured personal loans.

See Our Loan Options Under $10,000

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Is it better to get a personal loan from your bank?

You may prefer to use a bank for their credibility and face-to-face interactions. While it may seem easier to use your primary banking institution for a personal loan, it’s not always better. Banks often have strict requirements and slow funding processes. While they may offer competitive interest rates, it’s likely you can get the same interest rate or better in a lot less time using an online lender. Wells Fargo Bank promotes their personal loans and has interest rates starting at just 5.99% In addition, they offer an online application process.

Our picks for the best personal loan companies

When it comes to securing a personal loan you can either apply directly with the lender or indirectly through a platform like Acorn Finance. Acorn Finance has a network of market-leading lenders that can provide personal loans for all credit types. A few of Acorn Finance’s lending partners are included on the list below, as well as many other lists of top personal loan companies. Finding the best personal loan can be more complex than you think. It’s not as easy as visiting a few websites and seeing which lender has the best interest rates. You’ll want to find a lender with a competitive rate that you can qualify for with your credit score. In addition, you’ll want to make sure their loan amounts and terms can meet your needs. Acorn Finance simplifies the shopping process and makes finding the best personal loan offer easy. Let’s take a look at our top picks for the best personal loan companies. . .

LightStream
If you have been researching top-rated personal loan companies, you have probably come across LightStream. LightStream specializes in good credit borrowers and offers attractive perks such as zero fees and same-day funding. To qualify for a LightStream personal loan you should have a minimum credit score of 680 or higher. While LightStream does not allow you to apply with a cosigner, you can apply with a joint applicant. A joint applicant is someone you apply with to increase your chance of approval. During the lender’s evaluation, they weigh the primary applicant and joint applicants’ income, credit, and other details equally. If approved, you can even set up split monthly payments. LightStream offers personal loans up to $100,000 with interest rates as low as 2.99% with autopay and terms up to 144 months. If you are approved by another lender with a lower interest rate, LightStream will beat the rate by one-tenth of a percentage point. Of course, they’ll want evidence of the approval and terms before matching the rate. LightStream is an online lender that is a division of SunTrust Bank. LightStream headquarters are located in Chicago, Illinois. As an Acorn Finance lending partner, you can receive offers from LightStream and other top lenders by pre-qualifying with Acorn Finance.

Discover
While Discover is not an Acorn Finance lending partner, they are gaining popularity for their competitive personal loans. Many of us already have or have had a Discover credit card but may not have considered that they offer other services. In addition to personal loans, Discover also offers digital banks and online loans.
If you want to use a Discover online loan you should have a fair credit score of 660 or higher. Customers can take advantage of customizable loan terms between 36-84 months and no fees. Discover offers online loans between $2,500 to $35,000. However, Discover does not allow applicants to apply with a cosigner. This means you’ll need to qualify for the loan on your own. While Discover offers fast funding and a user-friendly app to manage loans, they may have higher interest rates than other lenders. Discover’s interest rates for online loans start at 6.99%.

Upgrade
If you have credit challenges or less than perfect credit, Upgrade is one of the best lenders to consider. Upgrade may have higher interest rates than competitors but they have a much lower minimum credit score requirement. It’s hard to compare a lender like LightStream to a lender like Upgrade. They each have their own target markets and set of perks for their borrowers. For borrowers with fair credit or bad credit, Upgrade can still offer competitive interest rates, terms, and loan amounts. Upgrade offers personal loans up to $50,000 with interest rates starting at 6.94%. Their minimum credit score requirement is 580. If you have a credit score close to 580 but not quite, Upgrade allows you to apply with a cosigner. During application evaluations, Upgrade places a heavy focus on available cash flow. They are more concerned about applicants’ debt-to-income ratios than rent payments or monthly expenses that may affect an individual’s ability to repay a loan. If you experience a hardship such as a job loss, you may qualify for Upgrade’s Hardship Program. The Hardship Program can reduce your monthly payment or extend your loan term to help you get through a tough time without ruining your credit. Upgrade is yet another lender that is in the Acorn Finance network.

What is a good APR?

Currently, the national average for APRs on personal loans for borrowers with excellent credit is 9.34%. Compare that to credit cards that have a national average APR of 16.43% and you can see why it is almost always a better move to take out a personal loan rather than max your credit cards. What is considered a good APR can also vary depending on what you are trying to purchase, the type of loan you want to use, and you as a borrower.

Your credit card may be good to use for everyday purchases, especially if your card offers perks and rewards, and as long as you pay off your balance each month, or within a couple of months, but for larger purchases and projects, a personal loan might be a better choice.

If you are looking to finance a large home improvement project like a kitchen remodel or a backyard renovation, you will probably want to avoid credit cards. To secure a good APR on home improvement projects you should consider a personal loan, home improvement loan, or secured loan. Secured loans may offer lower interest rates but can be time consuming and challenging to qualify for.

At Acorn Finance, you can check personal loan or home improvement loan offers from lenders that can offer APRs as low as 3.99%, depending on credit score.

So, keep your credit cards around to pay for your morning coffees and after-work happy hours and collect those reward points, but when it comes to the big projects, seek alternative financing. If your credit card debt has become uncontrollable you may also be able to use a personal loan for debt consolidation.

Does APR matter if you pay on time?

Yes, the APR on a personal loan matters even if you are making your monthly payments on time. APR on a personal loan works differently than on a credit card.

For example, if you have a credit card with an APR of 23.99% and this month you charge $540 on your card. When the bill comes due, if you pay the entire balance rather than just make the minimum payment, you should not be charged any interest. If you carry a balance, then your APR can be used to determine how much interest you will pay on your balance.

Let’s say you paid $40, and now have a balance of $500 on your credit card. Your APR of 23.99% is divided by 365 to calculate your daily periodic rate. You take that number and then multiply it by $500, the amount of the balance you are carrying over to the next month, and you get 32.8 cents charge per day of interest. Multiply that by 30 days and you get an interest charge of $9.86.

APRs are different for personal loans because you will never pay your balance in full within one month and the interest will be locked in and added to the principal of your loan. The APR is what will be added to your loan amount each year. The APR comprises your interest rate and any fees or finance charges.

Each month you are paying a certain percentage to the principal and a certain percentage to interest. If you make all your payments on time, you simply will be paying more toward the principal each month the further along you are in the term of the loan. If you miss payments, then your payments should go more to the interest each month.

Is APR yearly or monthly?

For a personal loan, APR is what you will pay yearly in interest including other fees and finance charges. There is a difference between interest rates and APRs when we are talking about personal loans.

APRs are the best way to compare loans because they include all the other fees that you may not be able to see immediately.

That is why you should compare APRs and not interest rates when shopping for a new personal loan.

Why is my APR so high with good credit?

Even if you have good credit, there still may be reasons why a lender might want to charge you a higher APR than what you would expect.

First, there are market conditions and factors that determine what financial institutions can charge for interest rates and APRs. Maybe, the market has seen a recent fluctuation and the banks have adjusted their interest rates to reflect the changing market conditions.

Next, maybe you have a bankruptcy on your record. Bankruptcies can be a black mark on your record for up to 10-years. So, even if you have good to excellent credit now, that bankruptcy from 4-years ago can still affect what kind of interest rates you are seeing in personal loan offers.

Last, you may simply just be talking to the wrong lender about your situation. If you shop for a personal loan at Acorn Finance, you will be connected with dozens of lenders throughout the country who will all be competing for your business. The chances of you receiving an interest rate that is more appropriate for your credit rating are much higher.

What APR should I expect with a 700 credit score?

A credit score of 700 is considered a good credit score. That being said, you can still expect an APR to be around 16% to 18%. This may seem high, and arguably it is, but it still is lower than what credit cards are charging. That being said, if you do not feel comfortable paying an APR of 16% or higher, it then may be worth it for you to wait a couple of months and to get that credit score up into the excellent range.

A credit score of 720+ can get you closer to the 9.4% to 11.8% range. There may be a few small things you can do to boost that credit score an extra 20 points before taking out that personal loan. Pay down some credit card debts, clear off any debts sitting in collections, and continue to make those monthly payments on time. There’s also the chance that you may qualify for a lower rate as these are just averages.

Is APR the same as the interest rate?

No. Remember that APR includes all origination fees and additional finance charges on top of the interest rate.

Does 0% APR mean no interest?

A 0% APR personal loan means that there is no interest and that you are only paying back the principal. However, be mindful of deferred interest conditions that come with the 0% APR. Meaning if you make one late payment or you do not pay back the loan in the set period of time, then you may be charged interest retroactively on the entire balance.

Is it better to have a lower interest rate or APR?

When comparing offers from different lenders, always look at the APRs since they include the interest rates and all additional fees. The APR represents the total cost of the loan. It will just depend on the terms and offer as to which is better.

Is a low interest rate good or bad?

Borrowers always want cheap personal loans or at the very least, low APR personal loans. And why not? The interest rate is a major factor in determining how much your loan will cost you over the term. So, is a low interest rate loan good or bad for the borrower? If you need to borrow money, you should find the lowest interest rate possible. In most cases, a low interest rate is a good thing, but in some instances it could be seen as a negative.

A low interest rate can be beneficial for a borrower. It can make your cost of borrowing a lot cheaper. More of your money will go toward paying off the principal. In addition to lower total loan costs, you may be able to pay the loan off faster, which can also allow you to save more money. You may be able to afford to borrow more money with a lower interest rate as well.

On the other hand, low interest rates can fuel unnecessary borrowing. People may be less cautious about borrowing when rates are low and may get into debt to buy unnecessary or frivolous things. Low rates can mean you qualify for a larger loan amount than you had intended. You might end up borrowing more than you had planned and carrying a lot more debt.

For an individual who knows exactly how much they want or need to borrow and can avoid the temptation of overspending, low rates can be a great thing. You can end up paying less for what you were going to do anyway. Who would complain about that?

What causes low interest rates?

Why would rates be low anyway? Well, several factors influence the cost of borrowing. The Federal Reserve meets eight times a year (sometimes more often) and sets the lending rates for banks to trade with them and each other.

When economic times are uncertain or difficult, the Federal Reserve will normally lower interest rates. There are several reasons for this but the primary reason is to get the economy going again. When the economy is struggling, unemployment is usually high and consumer spending low. Businesses don’t have a lot of confidence to invest and expand so they don’t borrow and they don’t spend the cash they have. Lowering rates encourages businesses to invest, expand, and hire people which lowers the unemployment rate. When people are working, they have money to spend and they do. This drives a greater need for more workers which reduces unemployment even further.

This can be true for individuals as well. When rates are high, people often put off things that can wait or might not be necessary. They may hang on to an old car for another year or two or put off renovating the kitchen until rates go down. A low rate can encourage people to go ahead with purchases they planned to make. When this happens on a large scale it has a significant impact on the economy.

Will interest rates go up in 2021?

The Federal Reserve is not planning on increasing interest rates until 2023. The economy is still struggling with the effects of the pandemic and might be for a while to come. Additionally, the Feds have said they don’t want to increase rates until inflation is at or above 2%. So, unless there is a major change, it does not sound like rates will be increasing in 2021.

Is lower interest better?

Low APR personal loan rates are certainly better for the borrower. Less of your money will go to paying interest and you may be able to pay a loan off faster. You may qualify for more too since the qualifying rate will be lower. Be wary of being tempted to borrow more than you had planned. A low rate will only benefit you if it helps you save money and not go further into debt. Regardless of the rate, you will still need to repay the loan so remember to avoid borrowing unless you had already planned to do so.

What are the disadvantages of low interest rates?

Low interest rates can cause prices to go up. Since people can qualify for more, asking prices for homes, vehicles, and other products and services often increase. Companies may take advantage of low interest rates so be cautious of this.

If you are a saver, you might find that you will not be earning much on your deposits. For people who depend on earning interest to supplement their income or grow their assets, low interest rates can be devastating. While the Federal Reserve does not set interest rates on deposits, they often correspond with lending rates. As interest rates for borrowing decrease, interest earned on savings will decrease too.

Who benefits most from low interest?

Two groups benefit the most; businesses and consumers. Businesses benefit because they borrow to expand and expect to make money on the amount borrowed. The less they pay in interest the more goes into their pocket. Low interest rates can encourage them to borrow so the rates allow businesses to expand more quickly than they had originally planned.

Consumers benefit too because they will make purchases that they might have delayed making and will pay less in interest. They may find it easier to qualify too when the rates are lower.

What is the lowest interest rate you can get on a loan?

Your rate can depend on your financial situation and what you qualify for. Your credit score, debt to income ratio, income, employment, and any assets you have to secure the loan will impact your rate. Most lenders have requirements that borrowers must meet to qualify for certain loan amounts, terms, and interest rates. Whether you have good credit or bad credit, you may be able to lock in a lower interest rate with a short loan term. LightStream, an Acorn Finance lending partner, is currently offering personal loans with rates as low as 2.49% with autopay, although rates can vary. To check offers from lenders such as LightStream and other competitive lenders, submit a form at Acorn Finance.

Is it possible to get a 0% loan?

It’s possible to get a 0% loan, although it isn’t all that common. Sometimes there are fees that compensate the lender for the lack of interest. There are usually other things you will need to be aware of too in order to figure out if you are getting a good deal or not. Here are some instances where you might find 0% loans:

Car loans: Manufactures may offer promotional 0% financing. In some cases, you are forced to choose between a rebate or 0% financing. The 0% financing offer is not always the best deal.
Retailers: Some retailers may offer 0% promotional financing for big ticket items such as appliances, furniture, or electronics. Make sure you read the fine print carefully before signing up for financing.
Credit card companies: Credit card companies may offer 0% promotional offers for short terms. You may need to spend a certain amount with a specific time period to take advantage of the offer. Again, make sure you read the fine print carefully before swiping the card.

Can you get a personal loan with bad credit?

If you are looking for a personal loan, but you feel you may not qualify because you have doubts about your credit score, you should consider looking into it a little further. You may be able to qualify for a personal loan with a lower credit score than you think. Some online lenders are looking to work with bad credit borrowers to help them get the financing they need, at a reasonable interest rate, while helping them build up their credit at the same time. Consider if you take out a personal loan to remodel your bathroom, and you pay off the total sum of the loan over 36-months, you will then have all those on-time payments and a successful loan completion on your credit score. Those are the kind of credit report activities that will help to maintain and boost your credit score.

If you are unsure of what your credit score actually is you should check your credit. If you have some time to spare before needing to borrow money you should work on improving your credit score before applying. Alternatively, you may have a willing cosigner with good credit. If you do, you should apply for a loan with a cosigner. At Acorn Finance you can check personal loan offers with or without a cosigner. Checking offers at Acorn Finance does not impact your credit score. If you already have bad credit, you will want to be especially cautious about any actions that may affect your credit score. Actions that can impact your credit score include hard credit checks, missed payments, or new debt.

What credit score do I need to get a personal loan?

People who are seeking a personal loan and have bad credit should try to ensure their credit score falls somewhere between 610 and 640. Though a credit score in this range would still be pretty low, it still is not low enough for a lender to immediately disqualify you. Having a credit score in the 610 to 640 range will get your foot in the door and get the conversation started. You may be asked some additional questions about your income, cash flow, and other financial information to give them a more accurate picture of your overall creditworthiness, but if everything looks in order on their end, they may be willing to help you secure the personal loan for the loan amount that you would like.

If you find your credit score is below 610, that may be ok as well. You may have even higher requirements of income flow and a lesser threshold for debt-to-income ratio, but you may find a lender who is willing to work with you.

What is the minimum credit score to get a personal loan?

The minimum credit score to get a personal loan can differ depending on the lender and whether you are looking for an unsecured personal loan or a secured personal loan. A secured personal loan may allow you to qualify with a much lower credit score. The catch is you are going to have to borrow against the value of your home, the title of your car, or maybe an RV or boat. By securing the loan with an asset with tangible financial value, more lenders are willing to give you a large break when it comes to your credit score.

If you are looking for an unsecured personal loan, the threshold is going to be a bit higher because, although there are real consequences for defaulting on an unsecured personal loan, the process for the lender to try to recover their investment can be sometimes expensive and maybe not even worth their time. They sometimes just will have to take a hit. A person who defaults on an unsecured personal loan will take a hit as well. A hit to their credit score and a record that will make it extremely difficult for you to acquire credit in the future.

For that reason, lenders typically want to see a credit score in the 610 to 640 range for an unsecured personal loan. They will also want to see a steady monthly income and a low credit usage with not a lot of pre-existing debt.

Can you get a personal loan with a 600 credit score?

Getting a personal loan with a 600 credit score should be manageable. Though lenders typically want to see a credit score of 610 or above, some lenders will let someone with a 600 credit score take on a new line of credit, especially if they see a strong cash flow and low debt holdings already on your credit report. If you have a credit score of 600 and you are unsure if you would qualify for a personal loan or not, you can always try to pre-qualify to see what the results may be. If you do qualify, you can then get an idea of what kind of interest rates and fees you may have to pay. If you do not like what you see, then go ahead and spend a little time improving that credit score to get you where you need to be so that taking on a new personal loan will not cost you more than you are comfortable with.

What lenders provide personal loans for bad credit?

There are a few lenders in the financial industry that will refuse to work with bad credit borrowers and they only cater to the good to excellent credit borrowers. But, remember, that is the exception, not the rule. Most lenders are in the business of making money, and even if you have bad credit, if they think you can be trusted for the loan amount tha you are looking for, they are going to give it to you in order to make their profits in interest and fees. When searching for a lender that can offer you a personal loan with bad credit, you should check offers at Acorn Finance. If none of our lending partners can help, you can try Googling lenders that help borrowers with bad credit. Before applying with a lender always make sure you verify their legitimacy.

How to get a personal loan with bad credit?

If you are looking to get a personal loan with bad credit, you should first see if you can pre-qualify for the loan amount you are looking for. If you can qualify, then you can start to shop lenders to see what kinds of interest rates you can begin to plan into your overall budget for your home improvement project or whatever reason it is you are seeking the financing for. If you are unable to qualify or are uncomfortable with the offers you receive you should work on improving your financial status before moving forward with a loan.

What is considered bad credit when looking for personal loans?

In general, a bad credit score is usually classified as a FICO score between 350 to 579. If your credit score is within this range you probably won’t qualify for a personal loan unless you have a cosigner. However, one point can make a difference. Some lenders will consider borrowers with a credit score between 580 to 600.

Closing thoughts

In conclusion, Acorn Finance offers some of the lowest rates for personal loans. Comparing lenders is important if you decide to use a personal loan. Most likely, many lenders will be competing to secure your loan. This means you have the ability to shop rates and terms and make sure you get the best deal.

Acorn Finance allows users to access the best personal loan offers within minutes. You can start by submitting an application that does not affect your credit score. Once you submit the application you can receive multiple personalized personal loan offers within seconds. You can review your offers and choose the best personal loan offer. If you are not ready to accept the offer you can return to where you left off at a later date. Most offers are valid for 14-30 days.

Acorn Finance is a reputable company that offers free services. Their services allow you to input your information to one application and receive offers from multiple lenders, making it easy to discover the lowest APR on a personal loan.

 

Three steps to get pre-qualified for a personal loan with Acorn Finance:

1. Complete and submit a short loan application online
2. Receive multiple pre-qualified offers
3. Get connected with lenders to obtain your pre-qualified loan

Discover low APR personal loans today… check offers for financing online now!