Boost Your Credit & Get Your Car
Don't let a low score cost you thousands in high rates — or worse, get your loan denied. Our authorized user tradelines add perfect payment history to your report in days, helping you qualify for the best auto rates available.
How Much Are You Paying for Your Auto Credit?
Your credit score directly determines the interest rate you receive. See how much you can save by improving your score.
| Score Range | Approx. Rate | Monthly Payment* | Total Paid* |
|---|---|---|---|
| Under 500 | ~14–20% | $560–$640 | $33,600–$38,400 |
| 500–579 | ~10–14% | $480–$560 | $28,800–$33,600 |
| 580–619 | ~7–10% | $420–$480 | $25,200–$28,800 |
| 620–659 | ~5–7% | $380–$420 | $22,800–$25,200 |
| 660–719 | ~3–5% | $340–$380 | $20,400–$22,800 |
| 720+ | ~1.9–3% | $300–$340 | $18,000–$20,400 |
*Based on a $25,000 auto loan over 5 years. Approximate rates as of Q1 2026.
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How Do Tradelines Help You Get Your Auto Loan?
Boost Your Score Fast
Adding an account with positive history can increase your score 40–110+ points in just 5–10 business days — before you visit the dealership.
Get a Better Rate
Every 50-point improvement can cut your auto rate by 2–4%. On a $25K loan, that's $1,500–$3,000 in savings.
Lower Your Utilization
High-limit tradelines reduce your credit utilization ratio, one of the most important factors in your FICO score.
Add Account Age
Our tradelines add 1–10+ years of account age to your report, making you look like a more reliable borrower to auto lenders.
Auto Loan Tradeline Packages
Curated for clients looking to qualify for an auto loan or refinance at a better rate. No hard pull, reports to all 3 bureaus.
Starter Auto Tradeline
Scores 500–550 targeting basic approval
- Added as authorized user
- Reports to 2 bureaus
- No hard pull
- Positive payment history
- Chat & phone support
Prime Auto Tradeline
Scores 550–620 targeting better auto rates
- Added as authorized user
- Reports to all 3 bureaus
- Priority reporting cycle
- No hard pull
- Established account history
- Dedicated account manager
Elite Auto Package
Scores 580+ targeting the best auto rates available
- Added as authorized user
- Reports to all 3 bureaus
- Urgent priority reporting
- No hard pull
- Premium aged account
- High limit for maximum impact
- VIP account manager
- Score guarantee consultation
Need more options? View all tradeline packages →
Real Clients Who Got Their Car
Stories from clients who used tradelines to qualify for their auto loan
“I was at 548 and the dealer told me I needed at least 600 for a decent rate. I used the Prime Tradeline and hit 635 in 10 days. Got my truck at 6.9% instead of the 16% they were offering before!”
“I wanted to refinance my car because I was paying 19% APR. Added the Elite package and my score went from 591 to 663. Refinanced to 8.5% and I save $180 a month. Incredible!”
“I needed a car for work urgently. My credit was at 521. With the Starter Tradeline I hit 575 in 8 days and was able to qualify for the loan. The process was super easy.”
Combine Tradelines + Credit Repair
Tradelines add positive history. Credit repair eliminates collections, late payments, and negative marks. Together, they're the fastest path to a score that qualifies you for the best auto rates — and we offer bundle discounts.
The Auto Package Includes
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Frequently Asked Questions — Auto Loan Tradelines
Common questions from auto buyers using tradelines
Ready to Get Your Auto Loan?
Pick a package above or call us for a personalized recommendation.
No hard pull · No credit check · 100% confidential · FCRA compliant