Like many of the sites that offer consumer or cheap credit products, Auto Loan Marketplace is not very clear on what it does or who it is that will lend you the money. In any case, it is clear what the company does is to contact prospective clients with institutions that will lend money to people with a bad credit history or even declared bankruptcy. You have to fill in a short form with the amount of money you need to borrow, and some basic data: name, address, income, etc. The site will calculate what the cost of your monthly installments would be, in a way to ensure that you can actually afford to get a loan, or to refinance a pre-existing one. The service is completely free for users seeking to get an auto loan, as the site is kept by fees charged to money lenders.