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Fast & Flexible Down Payment Loans
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Secure the vehicle, motorcycle or RV you need today with a quick down payment loan. Approval in as little as 5 minutes, funds deposited as soon as the next business day
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Upto $5000
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Struggling to Afford Your Down Payment?
Saving for a down payment can be stressful and time-consuming. Vehicles get sold, homes go off the market, and opportunities slip away while you wait for savings to build up. Unexpected deposits, higher-than-expected fees, or last-minute cash requirements can derail your plans.
With a fast, flexible down payment loan, you don’t have to miss out. We help you secure the money you need quickly and safely — so you can close the deal on your dream purchase without delay.
With a fast, flexible down payment loan, you don’t have to miss out. We help you secure the money you need quickly and safely — so you can close the deal on your dream purchase without delay.
It's That
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Simple
Instant Results
Our system surfaces lenders who say YES.
Cash to Your
Account
Account
Review terms, E-sign, and get funded - often next business day.
Benefits Of Joining us
At New Age Ventures, we are dedicated to driving your business forward with proven expertise & a commitment to excellence. Here’s main benefits to trust us.
5-Star Rating
Consistently highcustomer satisfaction
Quick Approval
Get lender approvalin as fast as 5 minutes
Next-Day Funding
Lenders can fund yourloan as soon as the next business day
Transparent Process
No hidden fees, clearterms, and honest communication
Extensive Network
150+ lenders in ournetwork to find the best match for your needs
Military-Friendly
Offers above 36% MAPR are filtered out formilitary personnel
Plain-English Terms
No confusing jargon or hidden origination fees
One Application, Multiple Offers
Stop submittingdetails on every site
Check Eligibility First
Review offers beforeyou commit to anything
Loan
+$4,300
Term
30 MONTH
Finance Charge
$2,281.78
Total
Payback
Payback
$6,581.78
APR
35.99%
What Our Clients Say
Dive into a collection of inspiring testimonials that underscore our commitment to turning dreams into reality.
Maria S.
Bad Credit Approval Success
"I honestly didn't think I'd get approved anywhere with my credit history, but Downpayment Advance proved me wrong. Filled out one quick application and had multiple offers in less than 24 hours. I was able to get into a reliable SUV with a payment I can actually afford. This service is a lifesaver!"
James T.
Down Payment Assistance
"My old car finally gave out, but I didn't have enough for a down payment. Downpayment Advance connected me with a lender who helped cover it. The process was simple, and I drove away in my new car the same week. Highly recommend!"
Danielle K.
Negative Equity Relief
"I wasupside-down on my trade-in and thought I'd be stuck for years. DownpaymentAdvance found a dealer and lender who worked together to roll me into a newer,more affordable car. I couldn't believe how painless it was compared to my lastexperience."
Lisa H.
Vehicle Repair Financing
"My car needed major repairs, and I couldn't afford tobe without transportation for work. Downpayment Advance quickly connected mewith a lender who approved my application the same day. The competitive ratesand flexible repayment options made it possible to get back on the roadquickly."
All testimonials represent actual customer experiences with Downpayment Advance's lending network. Individual results may vary based on creditworthiness, income, and lender requirements. Downpayment Advance is a marketplace service that connects consumers with potential lenders and does not make lending decisions.
Frequently Asked Questions
What is a short-term loan?
Who can qualify for a personal loan?
How much can I borrow?
How will I receive the loan money?
If I have bankruptcy or bad credit, can I still get a loan?
How long does the process take?
Will I need a printer or fax machine?
What is the cost of a short-term consumer loan?
If I already have an outstanding cash advance loan, is it possible to get a new one?
When and how do I repay my loan?
What happens if I'm late with a payment?
How is my private information protected?
When can I get another loan?
Is an extension possible on repaying my loan, and how many extensions can I get?
What happens if I'm not able to repay my loan?
Privacy Policy
The purpose of the Downpayment Advance Privacy Policy is toprovide you with a comprehensive description of Downpayment Advance's onlineand offline practices regarding the collection, use, disclosure, and sale ofpersonal information and of the rights of consumers regarding their personalinformation.
Collection of Personal Information
We collect the following personal information about consumers:
Category
Categories of sources
Business purpose
Identifiers such as areal name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver's license number.
Consumers directly
To connect consumerswith a lender and offer other services they may be interested in.
Categories of personal information such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information.
Consumers directly
To connect consumers with a lender and offer other services they may be interested in.
Characteristics of protected classifications under federal law and applicable state law, such asage.
Consumers directly
To connect consumers with a lender and offer other services they may be interested in.
Geolocation data, such as your approximate location.
Data analytics providers
To connect consumers with a lender and offer other services they may be interested in.
*as described in subdivision (e) of California Civil Code Section 1798.80
Disclosure or Sale of Personal Information
We disclose or sell the following categories of personal information to third parties for abusiness or commercial purpose:
Category
Third Parties
Identifiers such as areal name, postal address, unique personal identifier, online identifier,Internet Protocol address, email address, social security number, and driver'slicense number.
Lenders, lender-networks, and other marketing partners.
Categories of personal information* such asname, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information.
Lenders, lender-networks,and other marketing partners.
Characteristics of protected classifications under California or federal law such as age.
Lenders, lender-networks, and other marketing partners.
*as described in subdivision (e) of California Civil Code Section 1798.80
We do not collect or sell the personal information of minors we know to be under 16 years ofage without affirmative authorization.Your email could be shared with one of our preferred mailing partners and other brands believedto be of interest to you for the purpose of sending third party promotional email communication.You may unsubscribe from any such emails at any time.
Security
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and securely transmitted to us. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and securely transmitted to us.
Cookies
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
Limiting Sharing
To limit our sharing, email us at info@downpaymentadvance.com
Contact for More Information
For California Consumers
If you are a California consumer as defined by the California Consumer Protection Act ("CCPA"), you have the following rights:
1. Right to Know About Personal Information Collected, Disclosed, or Sold
You have the right to request that Downpayment Advance disclose the personal information we collect, use, disclose, and sell by sending a request to info@downpaymentadvance.com or by clicking here. For categories of information collected or disclosed, please refer to the information provided above, which reflects the categories of information collected or disclosed in the last 12 months. In order to verify your request for information, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver's license number or state ID number, and Social Security number. We will match the personal information provided by you with the personal information maintained by Downpayment Advance. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
2. Right to Request Deletion of Personal Information
You have the right to request deletion of your personal information collected or maintained by sending a request to info@downpaymentadvance.com or by clicking here. In order to verify your deletion request, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver's license number or state ID number, and Social Security number. We will match the personal information provided by you with the personal information maintained by Downpayment Advance. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
3. Right to Opt-Out of the Sale of Personal Information
You have the right to opt out of the sale of your personal information. You can direct Downpayment Advance to stop selling your personal information, and to refrain from doing so in the future, by clicking here or sending a request to info@downpaymentadvance.com. If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt out, send an email request to info@downpaymentadvance.com. You will be required to submit documentation as proof of the agency relationship.
4. Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
You have the right to receive non discriminatory treatment by us for the exercise of your privacy rights conferred by the CCPA. Unless permitted by the CCPA, wefinanceusa.com will not:
- Deny you goods or services
- Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
- Provide you a different level or quality or services if you exercise your rights under theCCPA.
- Suggest that you will receive a different price or rate for goods or services or a different level of quality of goods or services.
5. Authorized Agent Requests on Behalf of a Consumer
You have the right to designate an authorized agent torequest the CCPA on your behalf. To request on behalf of a consumer as anauthorized agent, please send an email request to info@downpaymentadvance.com.You will be required to provide documentation that proves the agencyrelationship.
Last updated: July 1, 2020
Policy on ResponsibleLending
State Regulations
Lenders and lending partners are required to abide by applicable federal, state, and local laws. This may include interest rate limits, loan terms, limits on rollovers, the number and frequency of loans, fees, and more. Before you accept any loan, you should educate yourself regarding the loan you are seeking, including the rules, regulations, and laws that might apply to that loan and the lender or lending partner offering it.
Truth in Lending Act (TILA)
The Truth in Lending Act requires lenders and lending partners to give you in writing the exact fees, interest rate, and other details regarding your loan. This should be presented to you before any agreement is executed. Lenders and lending partners may not offer terms that exceed any applicable laws, regulations, or rules. Most specific terms of your loan will be governed by the applicable state law.
Dodd-Frank Wall Street Reform Act
The Dodd-Frank Act requires that all lenders and lending partners practice fair lending. The Actempowers the Consumer Financial Protection Bureau (CFPB) to issue regulations that prohibitabuse and unfair lending practices, which includes regulations designed to prevent disparitiesamong consumers of equal creditworthiness but are of a different race, ethnicity, gender or age.
Definition
State Regulations
ACH - This stands for automatic clearing house, which is mainly a method used to transfer funds to and from bank accounts.
APR or Annual Percentage Rate - This is the cost of credit, which is expressed in a yearly rate. This is not the same as the contract interest rate.
Balance - This refers to the amount outstanding in your bank account.
Bankruptcy - This is a legal proceeding in America's Federal Court, which is entered into by a borrower. This is often someone who is not able to pay back his debts, which allows for them to negotiate some form of partial payment or the selling of a borrower's assets. Bankruptcy information will stay on the credit history of a person for up to a decade.
Budget - A plan or method used for spending management and for saving money.
Caps - The established limit of an amount's interest rate, which can be increased to an adjustable rate mortgage loan.
Cash advance - This refers to a source of cash that can be taken in case of emergencies. This is for people who are employed but may not have access to other sources of credit. This is meant to bridge the financial gap between now and the next payday. The interest is charged from the date it is advanced.
Charge off - This is a credit card debt or loan that is written off as being uncollectible from a borrower. This is the case when the loan has been sold or the debt given to a collection agency. This debt remains collectable.
Checking account - The money that is kept in savings or a bank for safekeeping. This money can be withdrawn easily by simply writing out a check or using an ATM.
Security or Collateral - Often an asset that is pledged to assure repayment of debt.
Compound interest - Interest that is computed on the loan's balance, the balance will includes all interest that is unpaid.
Co-signer - An individual who willfully signs a loan agreement with the borrower and partly assumes responsibility for repayment of a loan.
Credit - The promise to pay the amount at a later date for services or goods availed presently.
Credit request - A request for credit given in writing. At times, a request fee will be charged in order to cover the cost of processing the loan.
Credit bureau - An organization that works to compile the credit histories of would-be borrowers and also provides these reports to lenders and lending partners. These reports are used by lenders and lending partners to make decisions. Experian, TransUnion, and Equifax are the largest credit agencies in America.
Credit card - This is a card issued by the bank in order to make payments for purchases. The outstanding balance is subject to interest.
Credit counseling - A type of counseling that is provided by organizations aimed at helping consumers with ways to repair their credit to get their financial affairs back on track.
Credit limit - The maximum amount of money that is allowed to be charged on a line of credit or credit card.
Credit line - This is also often referred to personal line of credit and is the maximum amount a person can get against his or her account. Once the credit line has been repaid, the person can then re-borrow against this account.
Credit report - This is a report that is actually the history of a person's debt repayment, outstanding debts, bankruptcies, and late payments. It will also have his or her bankruptcies.
Creditor - A business or person from whom you are borrowing or someone you owe money to.
Debit card - This is a card issued by a bank or some other financial institution and often used for purchases. The purchase is deducted directly from a checking account.
Debt - The amount which is owed to a lender or lending partner.
Debt Consolidation - This refers to a strategy that is attimes used by people to improve their debt management issues. Instead of opting to pay several bills every month, a consumer will just pay their debt with one bill to one financial institution.
Rates & Fees
Downpayment Advance service is always free. Downpayment Advance is not a lender or lending partner and does not provide lending services directly to consumers. Based on the information you submit, Downpayment Advance searches its database, housing its network of lenders and lending partners to connect you with a lender or lending partner that may offer you a loan
The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender or lending partner at the time of approval. Upon the conclusion of lender or lending partner approval, most lenders and lending partners will direct you to an e-signature page. This page is provided to you by the lender or lending partner to which you were connected.
Full Disclosure of Terms
The lender or lending partner provides documents that contain all fees and rate information about the loan being offered to you by the lender or lending partner. Please review the fee and rate information provided to you by your lender or lending partner at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender or lending partner contract are acceptable and wish to proceed with the loan process, e-sign the page and
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or seek out professional financial advice.
This website uses Site Visit Recordation Technology to memorialize site visits, including technology provided by third parties like Jornaya's LeadiD. By submitting your information through this website, you consent to the use of Site Visit Recordation Technology.
The owner of this website is not a lender or agent of any lender and does not take loan applications or otherwise engage in lender-related activity (including, without limitation, making credit decisions or arranging, brokering, originating, servicing, underwriting, funding, or collecting payments for any lender). Submitting your information via this website is a request to be connected with one or more financial service providers that may be able to help you with your financial needs, each being responsible for taking a credit application, verifying your information, and making their own credit decisions.
The services offered by this website are administrative only (frequently referred to as "lead generation") and are offered to you free of charge. Lenders and other financial service providers pay a fee to be connected to consumers in search of financial services, often based on a ping tree model similar to Google AdWords, where the highest available bidder is connected to the consumer.
In some cases, you may be given the option of being connected to a tribal lending enterprise ("TLE"). TLEs are subject to tribal and certain federal laws while being immune from state law, including usury caps. If you are connected to a TLE, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, TLEs may require you to agree to dispute resolution in a tribal jurisdiction. You should read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and reject any offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you authorize the owner of this website and its network of available lenders to do a credit check, which may include verifying your social security number, driver's license number, or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus, such as Experian, Equifax, and TransUnion, but may also include alternative credit bureaus such as Clarity, DataX, or others. You also authorize the owner of this website to share your information and credit history with its network of available lenders and other service providers.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender's approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30.
Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78. Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.
This service is not available in all states.
Lender's or Lending Partner's Disclosure of Terms.
When a lender decides to offer you a loan, it is required by law to provide documents that contain all fees and rate information about that loan, including any potential fees for late payments, and the terms (if permitted by applicable law) to refinance, renew, or roll over your loan. Loan fees and interest rates are determined solely by the lender or financial service provider based on their internal policies, underwriting criteria, and applicable law. This website does not know of or control the loan terms offered to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss payment options.