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What’s the difference between a direct and indirect loan?

Direct loans are loans funded directly with Raiz in-branch, online, or over the phone, with a Raiz team member.

Indirect loans are auto loans that are financed by Raiz but are signed at the dealership or a third party.

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Holiday Closure: Raiz branches, call center, and operations center will be closed on Monday, February 16, 2026 in observance of Presidents' Day. Learn more