Clutch Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Rafael Rositsan
Each product is priced separately. Compare them below.
Four questions checked against Clutch's published criteria, per product. No application started.
Clutch is a car retailer first: financing rides along with the purchase, pre-approval takes under a minute, and the whole thing can close in 48 hours.
Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.
Quality Lender
Vetted lenders that are listed on Smarter Loans
Established Lender
Listed on Smarter Loans for 3 or more years
Badges are issued by our editorial team from platform data and verified reviews. They are never sold, and featured placement has no bearing on them. Read the badge criteria ›
5 reviews from borrowers who used Clutch. Each is submitted by a verified borrower and moderated for authenticity; it renders as written, positive or not, and lenders cannot remove it.
I bought a 2020 Ford explorer using Clutch, delivered right to my house.
Clutch made buying a car online super easy. I found exactly what I needed and the delivery was smooth.
Pretty good experience overall. Some minor delays but the support team kept me updated.
No pressure, no hassle. Clutch gave me time to make the right choice. I love my new SUV.
I wish the trade-in value was better. Still, it was convenient.
With Clutch you can buy, sell, or finance your next car 100% online.
Once you find a car you like, click ‘Start Purchase’ to begin the checkout process. You can finalize the paperwork and confirm delivery entirely online. Clutch’s Customer Advisors are here to help at every step of the way. Following delivery, you have a 10-Day Money-Back Guarantee, which means that if you change your mind during those first 10 days, you'll get your money back. No questions asked.
Every car from Clutch goes through a detailed 210-point inspection and reconditioning process to ensure they are safe to drive and squeaky clean. They stand behind the quality by offering a free 90-Day Protection Plan.
Yes. Since its founding in 2016, Clutch has been a key player in modernizing the used car market. Additionally, 96% of Clutch customers would strongly recommend selling their vehicle to Clutch, they've sold thousands of cars and have a 4.9 star Google Rating.
Applying is easy and completely online. Select ‘Financing’ as your preferred payment method during checkout and you'll be guided through all of the steps to complete your application.
A variety of factors determine whether or not you get approved for a loan, including credit history, employment, residency status, down payment, application information, co-applicants, and vehicle selection. Since your loan is provided by a financial institution, Clutch cannot guarantee that you'll get approved, but they always do their best to secure the best outcome for customers
You can browse an incredible selection of over 700+ used vehicles from home on the Clutch website.
Preview your loan amount and payment terms instantly, with an offer that's valid for 30 days.
Each time you submit a financing application, it will slightly affect your credit score by a few points for a short period of time. Clutch's pre-approval tool is a soft check. They submit your information to the banks which could be a potential hard check.
