Frequently Asked Questions
Q. What does it mean to refinance my vehicle?
A. When you refinance your vehicle through Alliance Direct Lending, we will pay off your current loan with what ever lender you currently finance it through. We will then take that loan over lowering your payment and/or rate. It is a relatively quick and easy process and we try to do all the legwork for you.
Q. Who is Alliance Direct Lending?
A. Alliance Direct Lending is an auto finance lender with over 10 years experience in the auto finance industry. We specialize in helping consumers that have good credit that are paying too high of an interest rate on their current auto loan.
Q. I received a notification in the mail. How did you get my information?
A. Alliance Direct Lending has a relationship with the 3 national credit reporting agencies that allows us to send qualified individuals notifications.
Q. Why did I receive a notification?
A. If you received a notification in the mail it is likely that you have an interest rate that is extremely high in relation to your credit score.
The Approval Process
Q. Is there a fee to find out if I qualify to refinance my vehicle?
A. No. There is not a fee for calling in or filling out an online application and allowing us to provide you a rate quote for refinancing your vehicle.
Q. How long will it take to find out what my new interest rate will be?
A. It generally takes about 1 hour for us to let you know.
Q. How much money can I save by refinancing my auto loan?
A. The amount you may be able to save by refinancing can vary based on the balance of your current auto loan, how much lower your new interest rate is compared to the old one, any changes in the loan term etc. Upon approval, you will receive customized information relevant to your loan situation.
Q. Are there any prepayment penalties if I repay my loan faster or pay it off?
A. There are no prepayment fees. You may pay off either a portion of your loan or the entire amount at any time without incurring any fees or penalties.
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Activate By Phone
Call (800) 235-4605 if you have any questions or want to activate your loan by phone.