What Makes Hoosier Auto Finance Special

At Hoosier Auto Finance, service is extremely important. Nobody cares about your approval like us. We have the experience and technology to help you get approved for an auto loan in less time, with fewer headaches. Take a look at some of the advantages we offer our clients:

  • Low Rates for Indiana Borrowers
  • No Application Fees
  • Reasonable Monthly Payments
  • Budget-Friendly Down Payments
  • Huge Selection of New and Used Cars and Trucks
  • 24 Hour Approvals for Many Borrowers

Why Get Approved for Financing in Advance?

Seasoned car buyers know that pre-approved financing offers quite a few advantages. When you visit the dealer, you won't need to concern yourself so much with your interest rate or conditions, just the vehicle you want. It also minimizes the time you'll have to spend in the F&I office, doing tedious paperwork. Basically, it improves the entire process, eliminating one of the main hassles of purchasing a new car.

Indiana Auto Loan Rates

So many people are overly focused on the sticker price of their vehicle, when in fact they should be interested in the APR on their loan. The rate you're actually charged will be contingent upon several different factors. But we have provided the following estimates.

FICO Used Vehicle APR New Vehicle APR
720-850 4.6% 3.3%
690-719 6.3% 4.5%
660-689 8.6% 6.5%

Keep in mind, these are not offered rates. They are simply estimated ranges, to give you a general idea of what to expect.

What is the Credit Impact?

Any time you apply for a loan, a lender has to perform a "hard credit inquiry." This is the type of credit check that does "ding" your credit, but only slightly and temporarily. Once you secure a loan, paying it off is a great way to improve your credit. It does so in two ways:

  • Payment History: paying off your loan as agreed shows lenders you are a responsible borrower. It also constitutes 35% of your credit score.
  • Credit Mix: lenders like to a blend of different types of credit, and a car loan is great way to add a secured installment loan to the mix.

Market-Leading Safeguards

At Hoosier Auto Finance, we have some of the most stringent security standards in the business. We secure private information sent over the web, and we have applied multiple measures to prevent unauthorized use of your information. Our representatives only have limited access to sensitive data, and we respect your privacy when it comes to email marketing and other promotions.

Apply Online!

We're your trusted source for auto loans. We offer an easy online application process with no obligations.
Indiana Auto Loan Calculator
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Message from the Team

At Hoosier Auto Finance, we go out of our way to provide you with the knowledge, tools, and technology you need to make your car-buying experience a success. We welcome clients from every walk of life, no matter your credit score or income.

Do You Know Your Credit?

It's a good idea to check your credit report and score prior to apply for financing, as this allows you to look for any errors and check average interest rates in Indiana based on your score. You can check your score here at no charge.


Any and all annual percentage rates (APR) listed on our site are only general approximations, utilized for informational purposes. They should not be construed as advertised rates. We are not a loan originator and do not approve loans directly.