Introduction

When shopping for my first Range Rover in 1991, financing was a major hurdle. Range Rovers were then and are now expensive compared to other SUVs, and in my own case I was only marginally able to qualify for a loan. After much searching I got my used 1989 RR from the local dealer, but had to scramble for the financing.

Today, there is so much competition for your business among lenders that it is hard to know where to start. I have recently looked into some of the on-line lenders and found a couple of lenders who appear to offer exceptionally good deals for new or used Range Rover buyers -- or those who may wish to refinance and take advantage of today's very low interest rates to lower their payments, or who wish to buy out their leases so they OWN this inimitable vehicle!! Both these lenders have agreed to help support this Range Rovers website based on the number of referrals they get from us, so if you do decide to go with them you will be helping out the cause of providing (hopefully useful) information to present and future Range Rover owners.

These particular lenders also let you walk into the dealer or approach a seller with a blank check in hand -- an option that I for one certainly did not have -- naturally the most likely way to bring the price down.

I can make no guarantees regarding satisfaction or quality of companies advertized on this or any other site, and naturally you should do your own checking. Let me know by emailing me if you have a good, bad, or indifferent experience with any of these or other lenders, or if you have found any that you feel are even better than these ones.

Capital One Auto Finance

Capital One Auto Finance (formerly PeopleFirst.com) of San Diego, California is America's largest online auto lender, and its massive loan volume should provide the lowest available rates, all other things being equal.  Certainly, their goal is to put the customer first, and their testimonials (see below) support that sentiment in spades. They are so confident of their rates and customer service that they offer a "$100 Loan Experience Guarantee" if you were not completely satisfied. Naturally, an "excellent and substantial" credit record is required to get the absolute lowest rates. Capital One Auto Finance  also offers the following highly attractive features:

- Financing for new and used (2001 & up) through all franchised car dealers
- On-Line Applications (only 2 clicks -- very simple and fast)
- 15 Minute Approval (Next day if applying outside business hours)
- "Blank Check" delivered overnight if desired
- Free Online Loan Calculator -- even if you don't borrow from them
- Online demo of application process
- Loan amounts from $7500 to $100,000 -- plenty to finance even the latest Range Rovers!!
- Terms 12 to 72 months -- suiting Range Rover buyers who often have to stretch out payments a bit!
- Income restrictions modest -- over $1,500 per month
- Links to let you research your own credit record
- $100 Loan Guarantee -- if oyu are not satisfied get a $100 check!

Typical Customer Comments (Capital One Auto Finance has hundreds of them listed -- these are just a tiny sample):
"I am blown away by your commitment to customer service and ease of use"
"I still can't believe it. Thanks for the simplest vehicle purchase of my life."
"I can't say enough about this company. I have been telling all my friends.... It made me feel proud to walk into a dealership and say 'Give me your absolute lowest price on this vehicle and I will write you a check right here and now.' To see the look on their faces was awesome"
"this loan process was too good to be true. It was as easy as ordering airline tickets online"
"UNBELIEVABLE!!!!!!! I have worked at and dealt with different lending institutions, and have NEVER seen anything close to your service".

For more details contact the Capital One Auto Finance website or write to the company at 401 West A Street, San Diego, CA 92101.
Click on any of the links above for their homepage, or click here to go directly to their easy loan application form.

This company specializes in lending to people with less than perfect credit, but manages to offer extremely low rates (as low as 4.39% when I last checked -- May 2005) by restricting itself  to lending on fairly late model vehicles. It is the internet direct-lending arm of Triad Financial Corporation, Richland Hills, Texas, which has a 12 year track record, 1400 employees and $3 billion in auto loan assets. The main restrictions it imposes on borrowers are (see the Roadloans.com website for additional details and conditions):

1. New, used, or refinance loans for model years 2000 or newer with less than 70,000 miles.
3. Loan Amount over $7,500.

RoadLoans offers the following advantages over most other lending sources:

- Apply online in minutes (Click here to go directly to their fast loan application form)
- Approval within one hour. If approved, receive a check overnight
- Shop like a cash buyer
- Online Account Access Center - 24/7 access, password-protected security login.
- Online Customer Care (FAQ, email, and live chat).
- Online Flash Demo - Interactive overview of the RoadLoans auto finance process.
- Member Benefit Program - Online discounts extended to customers through alliances with Internet business partners.

Typical Customer Comments from Roadloans.com:
"We never thought getting a loan could be so easy"
"Thank you very much for the fast turn-around...and for the extra mile of service!"
"Never have I experienced a loan so hassle-free."

If you are purchasing a late model Range Rover or other expensive vehicle and do not have a spotless credit record, Roadloans.com is a good place to try. They have glowing testimonials from satisfied customers -- they appear to offer hassle-free service. One customer stated that walking into the dealer with a check in hand got an immediate $3,000 price reduction!

Loan Amount $40,000 $42,000 $44,000 $46,000 $48,000 $50,000 $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $525,000 $550,000 $550,000 $575,000 $600,000 $625,000 $650,000 $675,000 $700,000 $725,000 $750,000 $775,000 $800,000 $825,000 $850,000 $875,000 $900,000 $925,000 $950,000 $975,000 $1,000,000+ Credit Rating Excellent Good Fair Poor