So you are in the market for a new car. But you do not have the money to pay for it outright. That is the scene with most car-buyers. So what do you do? You apply for a car loan to help you buy the car , right? But how do you get the best deal for your car loan and avoid paying more than absolutely necessary? Follow the tips below that will help you do just that.
1. Traditional car dealership loans almost always will give you a worse deal than you can get elsewhere. Always remember that a car dealership is making a tidy profit by selling you the car and by taking a loan from him you will let him make a tidier one!
2. Car dealerships that will offer you 0% interest deals are something you should avoid like the plague. This is because these 0% deals will be yours only if you give up a certain discount. For instance, you can either take a $3000 discount on the car or a 0% loan. When you calculate you will find that you will be saving more money with the discount than with the loan.
3. Another reason you should not trust most car dealerships for loans is that the "best deals" that they offer only come to use when you take a loan from them. Why would they offer you a loan if they did not make profit from it? Sometimes you will get amazing prices on a car only if they finance you.
4. Your credit score is the single most important factor that decides your rate of interest. If you have good credit , your rate will be lower, while a bad credit history will get you a higher rate. If you have bad credit , make sure you make timely payments and clear up your debts for at least 6-9 months before applying for a car loan. This will improve your credit score and will make you pay a lot less as rate of interest.
5. Searching online for a car loan will let you browse through the offers by various lenders sitting in the comfort of your home. You will even be able to get online quotes after you submit a few basic details about your financial status. You can compare quotes and apply now for the best deals online.
6. If you are wondering whether a new car or a used car will make you pay less, then there are a few things you have to consider. A new car costs more but gets you a lower interest rate than a used car. Moreover finding financing for a used car more than 5 years old is impossible.
7. Do check what deals your local bank is offering for car loans.
8. Local credit unions are somewhere you should go. They will offer better deals than banks and sometimes even online lenders.
Learn more about car loans. It will help you avoid paying more than required.
offers car loans for no credit , bad credit, good credit or poor credit for new-used vehicles with flexible terms such as no money down and no prepayment penalty through the network of subprime car loans lenders. Applying for auto loans online eliminates the applications or processing fees that are normally associated with getting a car loan through a bank or automobile dealer.
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