1800 Fresh Start Auto Loan Review 2021 // New & Used Car Financing

By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

1800 Fresh Start Auto Loans provides a platform to bring together both borrowers and lenders. Their lender network specializes in auto loans for people with bad credit, no credit, and bankruptcies. 


Funding in twenty-four to forty-eight hours. 


Rates will vary based on lender.


Quick loan app with multiple offers in minutes. 


Varies based on chosen lender. 

    Credit Knocks Overall Star Rating:     

  • Multiple Loan Options
  • National Lender Network 
  • Bad Credit Is OK
  • Loan rates depend on Lender
  • Could Have High Interest Rate


1800 Fresh Start Auto Loans is not actually a lender, however, they connect lenders across the U.S. who specialize in helping people obtain loans with bad credit, no credit, good credit, bankruptcies, and repossessions. 

Each lender will have their own terms and while 1800 Fresh Start.com doesn't pull your credit, one of the lenders or dealerships probably will.  

That is why we wrote this 1800 Fresh Start Auto Loans Review, so that you can understand how their process works, and the advantages and disadvantages of using them.

Guess What... It's Free To Apply 

1800 Fresh Start Auto Loans Review best car financing interest rates

Who Is 1800 Fresh Start Auto Loans? 

1800 FreshStart com is one of many auto loan websites owend by Internet Brands, Inc. out of El Segundo, California. 

IB Internet Brands has multiple car financing websites:

  • InstantCarLoan.Com
  • CarsDirect.Com
  • InstantCarLoan.Com
  • Loanapp.Com
  • Loan.Com
  • Autos.Com

Their primary focus is matching their dealer partners with customers that have a challenging credit backgrounds. 

They are like a broker because they don't actually fund any loans. 

What Makes Them Different?

1800 Fresh Start Car Loans has developed a network of lenders who specialize in auto loans for people with bad credit, no credit, bankruptcy, or even with repossessions. 

They are unique in the fact that by filling out one application you can obtain multiple car loan offers from lenders around the nation. 

Having multiple offers will allow you to choose the best auto financing for your situation. 

How Does 1800 Fresh Start Car Loan Work?

Unlike a traditional bank or lender, 1800 Fresh Start Car Loan is more like a personal agent or broker and you must go through the below process to apply with them.

1800freshstart auto loan review how it works bad credit poor credit bankruptcy no credit how does 1800 fresh start work car financing auto loans

Meet The Guidelines

First you need to meet the general guidelines before you can apply and those are: 

At least 18 years old, A current resident of the US or Canada, and Employed full-time or able to prove a guaranteed fixed income of at least $1,000 a month

Are You Buying New or Used

You need to figure out what type of financing you will need, are you buying a new car or a used car?

Will you be refinancing or are you looking for a lease buyout?

Once you know which option you are going for then you can go to the next step. 

Follow The Process

1800freshstart auto loan review

Step 1 - Complete The Form

It takes 2 minutes or less to knock out the quick form to match you with an auto  lender.

Step 2 - Pair Up

Once this process is complete you will start the next step of getting paired with a lender that can finance you.

Step 3 - Find Your Vehicle Anywhere

Now that you have been paired, it is time to find your dream vehicle! 

Get Your Paperwork Together

Since you don't know which lender or dealership you will be going to, it's best to be prepared.

Things the lenders might need are: 

  • Banking History
  • Proof Of Income
  • Proof Of Identity
  • Proof Of Insurance
  • Proof Of Residency
  • Information On Vehicle You Plan To Purchase
  • Current Vehicle Registration (If you plan to do a trade in)

Keep in mind this is just a general list, the lenders could need more or less information, just have at least the things above ready.

Time To Apply (Hard Inquiry)

Now that you know you meet the general requirements, you have all your documents together and you know what auto dealer you will be matched with, it's time to apply.

At this time you will probably see a hard credit inquiry hit your credit profile but don't worry, FICO will give you a 30 day grace period to shop for as many auto loan rates as you want and only show one hard inquiry in your record.

Quick Tip:

FICO allows you to shop around for the best auto loan rates for 30 days after your first inquiry. During this grace period you can apply for an unlimited number of auto loans without any additional inquiries being recorded to your credit file. 

Review Your Offer

Be sure to review the offer from the lender  before you purchase.

You will be given up to 30 days to select one of the four offers presented to you.

You need to look at their requirements as well as interest rates and if they will require a down payment or a co-signer.  Just be sure to pick the best offer!

Look At Everything

Remember that each lender will have their own specifics and requirements so be sure to look at each offer with as much detail as possible. 

Make sure you understand what you are paying for and keep referring to the original offer to make sure nothing changed from the time you accepted it to the time your loan was funded.

1800freshstart auto loan review funding speed

Pick The Best Offer

Once you choose an offer your loan can be funded by either bank deposit, ach, check or certificate.

You can have your funds as early as the next business day.

Auto Credit Express Tools

Before you start your application process, I recommend you check out some of the tools offered by Auto Credit Express to get a better idea of how much loan you may qualify for and what the costs would be.

1800FreshStart.com Car Financing Calculators

Before starting the auto loan process there are a couple of things you should familiarize yourself with.

You should be aware of the current interest rates, and auto loan calculators that are helpful in determining how much of a loan and payment you can afford.

Checking Current Rates

First you want to check out the interest rate chart; we put this one below to give you an idea of what the chart looks like, you should be sure to click here to see current rates. 

The above chart gives you an idea of the starting interest rate based on how long you need the loan for. 

As you can see, the longer time you plan to take to pay the loan off, the higher the rates become. 

While the monthly premiums will be lower if you select a longer payoff period, you are going to end up paying much more interest.

Estimating Your Rate

Once you have an idea of what your starting interest rate might be  you can now use the next tool to estimate your rate.

During this step you will choose the type of loan , the loan amount, put in your credit type or actual credit score and then your Zip Code.

Once you complete this process you will see 3 different APR's, a low APR, an average APR and a high APR.

You can use the Average APR to help determine what your monthly car note may be.

Finally, you will take the estimated loan amount with the Annual Percentage Rate or APR that you received from the "Estimate Your Interest" Tool to get a rate.

1800 Fresh Start Reviews

1800 Fresh Start reviews from customers are difficult to find. 

There is very little information about 1800 FreshStart com car financing programs because they are only a platform to bring lenders and buyers together. 

The entire process is free to the buyer so there isn't much of a reason for them to complain which we all know is the majority of reviews.

Our normal approach is to collect customer reviews from sites such as Yelp, Google and BBB of for 1800 Fresh Start Reviews.

1800freshstart auto loan review about us

However, we were unable to find many customer reviews for 1800 Fresh Start car program and only on a few sites. 

The few reviews we have been able to find are generally positive as one would expect from a free service. 

1800  Fresh Start Reviews

Customer Average Rating

Credit Knocks Reviews Avg. Rating


Yelp Reviews Avg. Rating


Google Reviews Avg. Rating


Better Business Bureau Avg. Rating


Consumer Affairs Reviews Avg. Rating


Best Company Reviews Avg. Rating




1800 Fresh Start BBB - Better Business Bureau

1800 Fresh Start BBB does not have a file at the Better Business Bureau. 

They are a subsidiary of Internet Brands, Inc. who is not accredited by the BBB and have a D- rating. 

The reason they have such a low BBB rating is because they do not respond to the complaints filed against them. 

Over the past three years they have had a total of 6 complaints with two of those coming in the past 12 months.

Averaging two customer complaints a year doesn't seem to high of a rate for a company that has been in business for 20 years. 

1800 fresh start auto loans review internet brands, inc. ib internet brands bbb better business bureau

Who Should Apply For 1800 FreshStart Com? 

The best thing about 1800 FreshStart com is that they deal with multiple auto lenders who are versatile in the type of people they can get approved for a loan.

Below are some people who should feel free to apply:

People Who Have Had Repossessions

The worst thing about having a car repossessed is that it usually happens that the most inconvenient time. 

If you have had this happen to you then you know it also leaves a negative mark on your credit report and can hurt your credit score.

By dealing with 1800 Fresh Start car program, you can find a lender willing to work with you, even if you had a car repossessed before. 

A person With Bankruptcies

Someone with a bankruptcy is probably used to hearing the words "No" or "Declined."  

However, it doesn't mean that you can't purchase a car because of one.

The good thing about 1800 Fresh Start auto loan program is that they will be able to partner you with a lender that will be best for your needs.

1800freshstart auto loan review bad credit bankruptcy no credit good credit who is 1800 fresh start loans auto car financing

Someone With No Credit History

If you don't have any credit, it doesn't mean you have bad credit, it just means you haven't had a chance to establish any for the moment.

It is hard for lenders to make a good decision because you haven't shown if you will treat your credit good or not.

1800 Fresh Start auto finance has plenty of lenders that will work with you.

People with Little credit History

If you don't have a ton of credit history you can still get covered for an auto loan.

Your score might be in the mid to high 500's or low 600's but that doesn't mean you have bad credit.

It just means you haven't had a chance or taken the time to build your credit.

1800FreshStart has plenty of lenders that will assist you in getting an auto loan and if you want to get your loan under the best situation you should try our Free 90 day credit sprint.

1800 Fresh Start Auto Loans Review best car financing interest rates

Those with bad credit

If you have bad credit, don't worry, 1800 Fresh Start car program loans works with a nationwide set of lenders who will be matched with you based on your credit profile.

You can rest assured that they work with lenders who can get you covered with as little as a 500 credit score.

Now, if you are someone that has a 500 credit score you might want to do our 90 day credit sprint challenge or read over our 4 week credit boost guide before applying for an car loan.

People With Good Credit

While Fresh 1800 Start doesn't primarily focus on helping people with good credit, they are still a great option. 

If you have good credit you will find that you can still get a great rate and find the dealer that will give you the best deal.

Taking Action On A Car Loan

Hopefully, you found this 1800  Fresh Start Review helpful because getting an auto loan can be complicated and a time-suck if done incorrectly.

Now that you know there are dealerships ready and willing to work with you there is no reason to go without a car. 

Getting a car loan is also part of establishing a different type of tradeline which overtime, will help increase your credit score.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

Additional Resources


Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers' credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval. Discrimination based on gender is absolutely forbidden. Whether the loan is for her or for him, you should receive the same terms. 

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}