Apply for best-priced
Auto loans without SSN

Auto loans help you own your dream car without having to worry about paying for it upfront except the down payment. You can use the money saved in your bank account to invest and earn interest from them as well and not worry about having to keep up with your expenses.

Zolve has partnered with Lendbuzz - an auto loan provider that offers affordable auto loans to students or individuals with no credit history or thin credit. You do not require an SSN to apply for auto loans. Lendbuzz offers an exclusive 1% discount on your loan’s APR to all Zolve customers.

You can purchase your vehicle from either a dealership or a private party (used car owner). The details of a private party transaction can be discussed with the Lendbuzz sales representative assigned to your application.

You can purchase your vehicle from either a dealership or a private party (example - found on Facebook Marketplace). The details of a private party transaction can be discussed with the Lendbuzz sales representative assigned to your application. Lendbuzz will offer an auto loan to you as long as the vehicle is less than 9 years old and driven less than 120,000 miles.

You can follow the below steps to get an auto loan

1. Click on Apply Now on the Zolve App : you will be redirected to the Lendbuzz web page where you need to fill out the loan application form.
2. Fill the loan application form : This form covers some relevant details like loan requirement, education, etc.
3. Get your pre-approval : After submitting this form, you will receive a preliminary approval email with an initial quotation
4. Connect your bank account : You will receive a text message from Lendbuzz with a link to connect your bank account. This step is critical as Lendbuzz connects to your bank account via Plaid to further process your application
5. Document upload - You will be required to upload a few documents to validate the information on the application form
6. Pick out your car - After this, you are required to pick out your car. Your loan can not be sanctioned unless you add a VIN to your application
7. Buy your car - This is the last step. A Lendbuzz representative will be assigned to you prior to this step. He will work with you and the dealership to procure any final documents and help you with the loan disbursal

Based on your profile, Lendbuzz may ask you to produce one or more of the below documents

1. Proof of Identity - Copy of Passport
2. Proof of immigration - Copy of Visa (for non-residents in the US)
3. Proof of studying the US - Copy of i20 document (for students)
4. Proof of Income - Job Offer Letter (for working professionals)
5. Proof of residence (last 90 days) - Phone bill / Electricity bill
6. Car registration application
7. Proof of auto insurance

Lendbuzz offers loans with APR starting from 7.2%. But every user will get a different rate based on user’s profile and data. In order to get your rate, you will have to make the application by clicking on ‘Apply Now’. A pre-approval email will be sent to you which will include the rate at which you will get the loan.

You get an exclusive 1% discount on the APR you pay on your loans if you apply for the auto loan through Zolve's app. For example, if you are getting a 7% APR on your loan when you apply directly on Lendbuzz’s platform, you will actually get a 6% APR on the same loan if you apply through Zolve’s app

You will have to make a down-payment to the dealer or the private-party from which you will purchase the car. You may be asked to make a down-payment of anywhere between 10% - 30% of the loan amount.

Yes, you can get a pre-approval even before you choose your car. However, to get a final approval, your application needs to have a VIN number. The Vehicle Identification Number or the VIN number is a unique number of the car that you are purchasing.

Yes, you can pay your loan early. There are no foreclosure charges. You only need to pay the interest for the duration that you took the loan.

Currently, Lendbuzz is not licensed to offer loans in the following states - Alabama, Alaska, Delaware, Hawaii, Idaho, Kentucky, Louisiana, Minnesota, Mississippi, Montana, Nevada, North Dakota, Oklahoma, Rhode Island, South Dakota, Vermont, West Virginia, Washington D.C., and Wyoming. If you belong to any of these states, Lendbuzz will not be able to approve the loan for you.

In case you have any issues with you application, you can discuss with the Lendbuzz representative assigned to your application. Alternatively, you can raise a concern with Lendbuzz customer support. If you are unable to find a satisfactory response, please send an email to autoloan.support@zolve.com via your registered email id. Share your Lendbuzz application id and explain the issue in detail with relevant screenshots.