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I have written before that the most important thing to consider when applying for an auto loan is the current auto loan rates. These loan rates are responsible for determining how much you are going to end up paying for the car. So the most important thing you have to me in the look-out for is low car loan rates. In this article I’m going to talk to you about the current auto loan rates and give you some extra tips on the best places to look for low loan rates.

First off, you should know that there a 4 main different kinds of auto loan rates:

• 36 month car loan

• 48 month car loan

• 60 month car loan

• 72 month car loan

Each of them have different loan rates that fluctuate between 6.5% and 14%, sometimes climbing up to the 15% or 16%. The actual rate depends on you location and if you want a new auto loan or a used car loan, but the general rule of thumb is the lower number of months for the auto loan, the lower the car loan rate. Of course if you want a used car loan you should expect slightly higher loan rates than for new cars.

I’ve learned that depending on where you apply for your auto loan, you can expect to find lower or higher rates. I won’t talk about it in-depth but you can anticipate lower auto loan rates from credit unions and higher – but safer – rates from the auto dealers.  Read more...

Ohio auto repossession laws are just a bit different than some other states so this can make it harder to get an auto loan if you have bad credit.  It may take a little more legal wrangling in Ohio for a lender to get their car back from a customer that has defaulted on their car loan.  This makes it a higher risk for the lender.

If you have a scenario where it is more difficult for a lender to repossess their property, they may put more qualifiers on loans.  These may include but are not limited to… more down payment “participation” from the buyer.  A better equity position in the loan, reached by either money down or lower sales profit by dealer. *It may be difficult for a dealer to reach the requested equity position without money down.  Less payment to income may also be required.  If a buyer has a low percentage of their income going out each month for a car payment it will be easier to pay each month.

If you are unable to get more money down or find a car dealer that can sell you a car for a low enough figure to reach an equity position but need a car loan in Ohio, you should seek out a special finance manager that has experience in this area. Once you find one, ask them if you fit the program and if they think they can help you with your current down payment and monthly payment requirements.  Please realize that they will not likely be able to discuss Interest rates or monthly payments over the phone in Ohio as there are privacy policies in place that may prevent this even if they do know.  Read more...

Whether it is a brand new BMW or a second hand Chevrolet you have decided to purchase, you are at an equal risk of getting a poor deal on your car loan rate. Help is here so you can be confident that you are not paying through the nose when it comes to your interest rates. The following five tips will ensure that you are finding the best auto loan rates available.

Below are 5 tips you may consider when applying for a auto loan financing. These tips and suggestions will save you big money if you used them.

1. Know your credit rating before you apply for a loan. If needed clean it up by paying off outstanding debts and closing accounts that are not in use. If you have filed for bankruptcy in the past consider adding a page of explanation to your report if there were any extenuating circumstances such as divorce or lay-off.

2. If you have a good credit rating, see if you qualify for special incentive financing available through the car dealership. Quite often dealerships have a 1% financing rate reserved for consumers with excellent credit and who can afford to do a 12 month financing term.  Read more...

If you have never had credit, or if you have some credit but have never had an car loan, you may be considered a first time buyer. The Banks have different methods to determine if you are a first time buyer or not but usually with no credit or limited credit you are considered a first time buyer. If you don’t have credit it may seem like a daunting task to just go out and get an car loan. There are a few things that you can do to get an advantage when dealing with a lender.

The easiest way to get established with no credit is to get someone with good established credit to sign on the loan with you. This is called a co applicant or a co signer. The banks can look up their credit and determine how they have paid in the past. They cannot do this with a first time auto loan buyer. If they determine that your co-signer is a worthy risk then you are home free.

The next best thing you can do if you are a first time buyer is to save up enough money to use as a down payment to make the auto loan less of a risk for the bank. If you can put 25 to 30% down on a car you have a much better chance of getting your auto loan because the loan amount will be low enough that if the bank needs to repossess the car, they will be able to sell it at auction and not lose their tails on it.