Car & truck loans for every stage of ownership
Choose the loan that fits where you are today, to help you get where you’re going tomorrow.
We focus on helping you lower costs, improve flexibility and make decisions that reduce stress over time. Our goal is to help you move forward with clarity and confidence—at every stage of ownership.
Purchase
Financing directly with Credit Human prepares you before you shop so you can negotiate with confidence.
- No payments for 90 days for qualified borrowers
- Quick loan decisions
- Multiple rate discounts
- Flexible loan terms up to 84 months
Refinance
Improve your financial health by lowering your rate or reducing your payment on your current vehicle.
- Stack available rate discounts
- Refinance up to 130% of your loan-to-value for qualified borrowers
- Quick loan decisions
Use your equity
Also called a cash-out refinance, our vehicle equity loan allows you to refinance your vehicle, pay off your current loan and use the cash for whatever you need.
- Alternative to a high-interest title loan
- Use the cash to cover unexpected expenses
Protect your auto loan
You depend on your car or truck for daily commutes and long trips. Your car can also be one of the biggest assets and expenses you have, so making sure your vehicle is protected from unexpected repairs or loss of income is important. In addition to car insurance that protects your vehicle from damage due to an accident, our loan protection products are small expenses that pay off in a crisis.
Guaranteed Asset Protection (GAP)
GAP Advantage from Credit Human is designed to protect you from financial loss if your vehicle is stolen or damaged beyond repair.
- Can be purchased up to one year from the effective date of the loan
Major Mechanical Protection (MMP)
MMP covers major mechanical failures beyond the manufacturer warranty. Repairs can be performed at a dealership or licensed repair shop.
- $50 standard deductible
- Multiple plans to choose from
Credit insurance
Credit insurance reduces financial stress when you and your family need it most by covering loan payments if you pass away or become unable to earn income due to a covered disability.
- Must be purchased within 30 days of loan closing