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Best for: Borrowers with thin or no credit history, including those without a Social Security number

Lendbuzz

Lendbuzz — auto refinancing for thin-credit and no-SSN borrowers.

Min credit
Not disclosed
APR
Not published
Max vehicle age
Not disclosed
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Lendbuzz does not publish this on their public site. "No restriction" means Lendbuzz explicitly states no limit.

Overview

Lendbuzz says that if you have an existing loan with another lender, you can refinance with it. It focuses on borrowers without a Social Security number, with no credit history, or with thin credit. It doesn't lend in AK, DE, HI, ID, KY, LA, MS, MT, ND, OK, SD, VT, WV, or WY.…

What’s great

  • Serves borrowers without a Social Security number or with thin credit

What to know

  • Not available in 14 states
  • Rates, terms, and loan amounts are not published

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)Not disclosed
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed
Membership requirementNot disclosed

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Lendbuzz's own published materials. Rates, eligibility, and terms can change — verify directly with Lendbuzz before applying.

  1. [1]Refinance Car Loan — Lendbuzz
    https://www.lendbuzz.com/refinance-car-loan
    Last checked: October 2026
  2. [2]FAQ — Lendbuzz
    https://www.lendbuzz.com/faq
    Last checked: October 2026