About Lenditia
Lenditia explains how car financing works in the United States, from the loan contract to each state's rules, so you can read an offer and compare it with a clear head.
Last updated
Who we are
Lenditia is an independent website about car loans. It is run under the Lenditia name from 5955 Alpha Rd, Suite 520, Dallas, TX 75240, United States. You can write to us at contact@lenditia.com or through the contact page.
The pages are written and maintained by the Lenditia editorial team. We do not put names, photos or job titles on articles, because a byline should tell you who stands behind a page, and on this site that is the whole team, not one person.
What this site is and is not
Lenditia is a place to learn before you sign. We cover the main kinds of auto financing (dealer contracts, bank and credit union loans, refinancing, lease buyouts), the steps of buying a car, what to do when payments get hard, and the car-finance rules of each state on our state laws pages. Our calculators let you test a payment, a budget or a refinance with your own numbers.
Lenditia is not a lender, a car dealer, a loan broker or a government agency. We do not take loan applications, make credit decisions, set rates or arrange loans, and we hold no lending or broker license (our licensing page covers what that means for you and where to look up the companies you deal with). Nothing on the site is an offer of credit or a promise that anyone will lend to you.
If you want to hear from companies that finance cars, you can send a financing request. It goes to auto lenders, car dealers and loan brokers who may contact you. Each of them makes its own decision and its own offer, on its own terms.
How we write and check the pages
Every article starts from primary sources: federal agencies such as the CFPB, the FTC and the Federal Reserve, state statutes, state regulators and state revenue departments. Where we quote market averages, such as typical rates by credit tier, we name the source and say that it is commercial market data.
Each page carries its last update date and a Sources box naming the documents behind it and when we checked them. Worked examples are calculated with the same formulas our calculators use, and the methodology page shows those formulas. Our editorial policy describes the whole process: how topics are chosen, how pages are checked before they go up, and how often they are reviewed. When a rule or a figure changes, we revise the page and note the change on our updates page.
How the site is paid for
Reading Lenditia and using the calculators costs you nothing. The site earns money when a visitor chooses to send a financing request: the auto lenders, car dealers and loan brokers who receive it pay us for it. That payment does not decide what our articles say, and we do not rank or score lenders. The details are on how we make money.
Contact and corrections
If you find a mistake, a broken link or a rule that has changed, let us know on the contact page or by email at contact@lenditia.com. Name the page and, if you can, point us to a document with the right figure or rule. We compare each report with that source, fix the page when the report is right, and record significant corrections on the updates page.
We cannot review your contract or advise you on your own loan. For a dispute with a lender or dealer, the state regulator listed on your state’s page and the CFPB are the places to start.