Credit

Auto Loans

Financing for personal, business, and exotic vehicle purchases.

Loan Range

$10K – $500K

Terms

24 – 84 months

APR From

As low as 5.99%

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What it is

Understanding Auto Loans

An auto loan is a secured installment loan used to purchase a vehicle, with the vehicle itself serving as collateral. Emison Capital arranges financing for standard consumer vehicles, business fleet, luxury and exotic vehicles, and commercial trucks — often at rates below what dealer financing offers.

How it works

A clear, five-step path to funding

1
Get prequalified with a soft credit pull — see your rate before you shop.
2
Choose the vehicle: new, used, private-party, or dealer.
3
Submit the vehicle details (VIN, price, mileage) and proof of income.
4
The lender issues a check or ACH to the seller / dealer.
5
You take delivery and begin monthly payments on the agreed schedule.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

FICO score of 620+ (higher scores unlock better rates).
Verifiable monthly income of at least $2,000.
Debt-to-income ratio below 50%.
Vehicle age typically under 10 years and mileage under 125,000 (for used).
Valid driver's license and proof of insurance at closing.
Down payment of 0–20% depending on credit and vehicle type.

Ideal for

Common use cases

New or used personal vehicle purchase

Business fleet and work-truck financing

Luxury and exotic car acquisitions

Refinance an existing high-rate auto loan

Private-party vehicle purchase

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.

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