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Obtaining a car loan online is such a simple process: fill out an application and receive a response form the lender so quickly that many applicants can't imagine applying any other way. Applicants who are not so familiar with computers and the Internet, however, may be wary of applying online because they do not understand how encryption works and may be nervous about their personal information falling into the wrong hands. Other applicants may be put off by the impersonal nature of applying online. Without a human loan officer to assist in filling out the application face-to-face, some borrowers might be afraid that their application will not receive the immediate attention they would like. Online car loans, however, help to keep costs down for the lender, who in turn passes the savings on to customers. The application process online is usually streamlined to make it easier to complete, and the automated lending system returns credit decisions quicker. As long as the credit application is on a secure website, applicants shouldn't have to worry about their personal information being misused. If an applicant is still too apprehensive to apply online, most lenders will allow borrowers to apply over the phone or through the mail.