It’s Better Outside.


Our Values

  • Customer-first: We work for car buyers and owners, not banks and not car dealers. We never charge you a fee for helping you find a loan. And we always show you the offers that are best for you.

  • Informative: An informed shopper is a better buyer and a smarter owner. We want you to understand your options so you can buy and own with confidence.

  • Transparent: We match you with a single lender for a purchase or refinancing—after you understand your options and when you’re ready for a lender to pull your credit. We don’t sell your name to dozens of lenders who hound you day and night.

  • We choose all of our partners carefully. We only work with companies that share our customer-first values.

  • We care about you. We want to know what you love and hate about auto finance so we can help. Have a suggestion, comment, question, or problem? We’d love to hear from you.

As Featured In….


We’re car buyers and owners, and we’re on a mission to fix car finance.

Cars are the second biggest purchase most of us make, but the process to pay for them can be painful, mysterious, and really expensive if you’re not careful.

We've recreated the auto financing experience — the way it should be.


Fixing a huge industry isn’t easy, but we’ve assembled a team with the financial, legal, and technological expertise to reinvent auto lending.


Meet Our Founders:


I’m Sonia, Outside Financial’s CEO. My passion is helping people understand their finances. That’s why I became an attorney focused on consumer finance. Despite all the regulations that affect finance, consumers often don’t know how to get the best deal for themselves. That’s especially true for car buying. I wanted to help people make smarter decisions and fix a process that’s too important to be so broken.

I’m Jon, the Executive Chair of Outside Financial. As an institutional investor for 20 years, I watched as car dealers started to make more money from selling financing than from selling cars. That bothered me, because the less car buyers understand about their financing options, the more likely they are to pay huge, undisclosed markups. So I started looking for ways to help consumers understand auto financing and get a better deal for themselves.


How We’re Different


We'll help you:

  • Explore your auto financing options to buy a new or used car.

  • Choose the loan that’s right for you from one of the trusted lenders in our network, on your time, in the privacy of your place.

  • Decide which vehicle and credit protection products you need, at the right price.