Rates & Terms

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    • Our Loan Options

    At TONY SELLS IT ALL AUTO FINANCE, LLC, we offer a variety of financial solutions designed to meet your needs. Below you'll find information about our loan products, rates, and terms. Please note that the specific rates and terms you qualify for may vary based on your individual circumstances, including credit history, income, and other factors.

    Personal Loans

    Loan Amount: $500 - $5,000
    APR Range: 9.95% - 35.99%
    Term Length: 12 - 36 months
    Origination Fee: 1% - 5% of loan amount
    Minimum Credit Score: 600

    Our personal loans are ideal for consolidating debt, covering unexpected expenses, or financing major purchases. With fixed monthly payments and no prepayment penalties, these loans offer flexibility and predictability.

    Auto Loans

    Loan Amount: $5,000 - $50,000
    APR Range: 3.99% - 24.99%
    Term Length: 24 - 72 months
    Origination Fee: 0% - 2% of loan amount
    Minimum Credit Score: 550

    Our auto loans provide competitive rates for new and used vehicle purchases or refinancing your existing auto loan. We offer flexible terms to fit your budget and quick approval processes to get you on the road faster.

    Short-Term Loans

    Loan Amount: $100 - $1,000
    Fee Structure: $15 - $30 per $100 borrowed
    Term Length: 14 - 30 days
    Application Fee: $0
    Minimum Requirements: Valid ID, Proof of Income, Active Bank Account

    Our short-term loans are designed to help you bridge temporary financial gaps. While these loans typically carry higher rates than longer-term options, they provide quick access to funds for emergency situations.

    Important Rate Information

    • The Annual Percentage Rate (APR) shown represents the cost of your loan expressed as a yearly rate.
    • Rates shown are representative examples. Your actual rate will be determined based on your credit profile, loan amount, term length, and other factors.
    • All loans are subject to credit approval and verification of income.
    • Late payment fees may apply for payments received after the due date.
    • We do not charge prepayment penalties for any of our loan products.

    Loan Comparison

    Loan Type Best For Typical APR Average Processing Time Required Documents
    Personal Loan Debt consolidation, major expenses 9.95% - 35.99% 1-3 business days ID, proof of income, bank statements
    Auto Loan Vehicle purchase or refinancing 3.99% - 24.99% 1-2 business days ID, proof of income, vehicle information
    Short-Term Loan Emergency expenses Equivalent to 391% - 521% APR Same day to 24 hours ID, proof of income, active checking account

    Example Loan Calculation

    For a $5,000 personal loan with a 36-month term and a 15.99% APR:

    • Monthly payment: $176.07
    • Total interest paid: $1,338.52
    • Total amount repaid: $6,338.52

    Ready to Apply?

    Contact our loan specialists today to discuss your options and find the solution that works best for your financial needs.

    Apply Now Learn About Responsible Borrowing

    Additional Information

    We report loan payment history to major credit bureaus, which may help borrowers build credit with responsible repayment. Please review our Terms of Use and Disclaimer for complete information about our lending practices.

    For questions about our rates and terms, please contact us and one of our representatives will be happy to assist you.