FAQs

What you need to know

Who We Are

Who is Outside Financial?

We’re car industry Outsiders with one goal in mind: to bring you the best car loans and protection products at fair prices. To learn more about us and why we started this company, please visit About Us

Is Outside Financial a bank or a lender?

No, we're not a bank. We bring together the best offers from our network of trusted lending partners, including banks and credit unions. That way, you can compare your options without having to go to multiple sites.

Is Outside Financial a car dealer or broker?

No, we’re not a car dealer or broker. We help you find the right loan to buy a car, or to refinance your current car loan. We don’t offer cars for sale, and we can’t help you individually negotiate the price of your next vehicle. To find our top tips for shopping smarter, please check out our Bear Necessities for Better Car Loans. You can also use our tools to keep you organized and on track.

How does the process work?

After you answer a few questions, we’ll match you with up to three pre-qualified lender offers. You choose which lender you want to work with and customize your loan to meet your needs. Then, when you’re ready, we’ll send your application to your chosen lender to make the final underwriting decision.

Will I be contacted by anyone else if I pre-qualify on your site?

No. You won’t hear from anyone (other than us) until you’ve chosen to apply with a lender. That way, you don’t have to worry about receiving a ton of phone calls or spam emails from companies you’ve never heard of.

How is Outside Financial financing different from financing at the dealership?

We help you arrange your financing on your own time and at your own pace. We want you to understand your options without pressure so you can choose the ones that are right for you. Our recommendations are based on what's best for you, not for us or the dealership.

Will I be charged a fee to apply for a loan with Outside Financial?

No! It's always free to apply for a loan through Outside Financial.

Are there any other fees for applying?

None of our lender partners charge any application or documentation fees. If you choose to go forward with your loan, you may be charged fees by the state for transferring title, whether you’re buying a vehicle or refinancing your car loan. Each state charges a different amount, usually somewhere between $5 and $80.

How do you make money?

Our lender partners pay us a fee for each loan we help set up. We also make money from selling GAP waivers, Vehicle Service Contracts, and other protection products. But we only recommend what we believe is best for you, not what's best for us.

Do you operate in all 50 states?

We currently serve customers in a limited number of states, but we’re always looking to grow. If we're not active in your state yet, please take advantage of the content and tools on our website. More than anything, we want you to get the best deal you can - whether you Go Outside or not!