CashNetUSA isn't accredited with the Better Business Bureau (BBB) and receives a B- rating as of November 2019. If your credit score score is above 620, your chances of availing a low auto loan rate in Chicago are fairly excessive. Credit score insurance coverage: OneMain could provide optionally available credit insurance coverage with secured or unsecured loans. No fees on SBA Specific loans between $150,001 and $350,000.