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1800FreshStart Auto Refinance Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
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1800FreshStart.com has been helping consumers get the best auto loan rates by connecting them to a network of car loan companies since 1998. The company maintains a partnership with thousands of dealers and lenders nationwide that offer consumers with little, bad, or without credit auto loans for their needs. Their platform offers a free and no obligation auto loan application process which allows customers to apply in as fast at 90 seconds.
 
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How is 1800FreshStart rated?

Breakdown

4.8/5
Loan Details
4.3/5
Customer Experience

Overall Rating: 4.5 / 5 (Excellent)

1800FreshStart is an online marketplace for car loans, which can offer loans to customers who've gone through a bankruptcy process and have zero or bad credit. Their network of dealerships and lenders has allowed them to provide loan solutions for over one million consumers, including people with limited options.

Auto Loans & Refinancing

Loan Details - 4.8 / 5

In order to obtain loan specifics, potential customers must fill out a short form, giving their address, employment and SS number. Some companies partnered with 1800FreshStart include The Zebra, Insurify, Discount Car Insurance Rates, Smart Financial, and Esurance. Considering this, it is difficult to go into the specific details by company.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Min. APR
1.74%
Max APR
17.99%

Loan Qualifications

Qualification - 4.5 / 5

1800FreshStart is an online marketplace, and each lender they work with has different requirements. That said, however, the wide array of dealerships and potential lenders in their network virtually guarantee that they can fulfill their claim of obtaining loans for a multitude of customers.

Borrower Qualifications

Minimum Age
Varies by lender
Minimum Income
Varies by lender
Minimum Credit Score
Varies by lender

Application & Service

Customer Experience - 4.3 / 5

Applying for a loan isn't actually processed via 1800FreshStart, as they simply provide a free service, connecting customers to potential lenders. However, the companies we were recommended had only simple forms to fill out, and the process was quite efficient. Specifics such as approval and funding times, fees, and benefits or features will depend on the lender you ultimately choose.
Approval Time
Varies by lender
Funding Time
Varies by lender
Fees
Varies by lender

1800FreshStart Reputation & Reviews

Reputation - 3 / 5

Since 1800FreshStart is an aggregator, there is very little information about them online. However, once customers are matched with different lenders and dealerships, good places to begin research into a company's reputation include the Better Business Bureau and TrustPilot, for unbiased customer reviews. Another good resource is the JD Power study, whose easy to read scoreboard gives good comparison points.

Contact & Additional Information

Lender Type
Marketplace
Homepage URL
https://www.1800freshstart.com/
Company Phone
(888) 269-2777
Headquarters Address
909 N. Sepulveda Blvd., El Segundo, CA, 90245
Mailing Address
909 N. Sepulveda Blvd., El Segundo, CA, 90245

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