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What is the average car loan rate for a used or new car?

Jan 27, 2008 by BellaMaeTheDoxie | Posted in Credit

I have great credit but I don't know what an average rate would be for a new or used car. I will decide if I want a new car or a used one depending on the rate. Can you help?

6.5%

how do I keep my new current car loan rate without accepting a counter offer for a higher rate after 1 month?

Apr 21, 2008 by cali1477 | Posted in Credit

I have made and they have accepted my first payment. My credit has since dropped but all paperwork was signed along with trade ins and down payment. Are there any options favorable to me that i can present to the finance company?

What is the interest rate for rolling over negative equity into a new car loan?

May 29, 2008 by Sydney A | Posted in Renting & Real Estate

We are looking to trade in a car in which we have $3,000 negatvie equity onto a new car loan of $11,000...making the financing $14,000. Assuming perfect credit, what impact does this typically have on the interest rate of the new car loan, if any.

I was in this same situation. Depending on your down payment it should work as if the car you are buying is 14,000. The 3,000 doesn't have a different interest rate then the rest of your loan. Hope this makes sense.

I've had good luck here...

http://auto.deal4-you.com

See ya.

my credit score in 678. what would be the average car loan rate for a new car..in miami florida?

Jul 30, 2006 by YUSI | Posted in Buying & Selling

right now my scorein 678 but im gonna buy a car next year around march-july. who knows more or less the rates that lenders are giving?

Whatever the rate is today...I guarantee it will change by the time you plan on buying!
Read the "transportation section" of todays (sunday) newspapers
The Chicago Tribune prints a chart every week with various lenders & their currant rates
If you're buying NEW ,more often than not, auto manufacturers will offer low (as low as 0%) financing on their vehicles.
Transportation sections will also print currant incentives!

Hope This Helps

note to Ceprn:
(Ford Hybrid Escape ...0% X 60 mo. currantly)( also best warranty in auto industry on Hybrids)

How to get a low interest rate on a new car loan?

Nov 20, 2007 by admcalvin | Posted in Buying & Selling

I am 19, I have no credit. Never had any loans or credit cards. What is the best way to get a car loan with a low interest rate. Currently I have been approved for a rate of 7.25% is there any lower? Please help. Thank You

The only way to get a better rate is to try and qualify for manufacturer backed Zero percent or low interest rates on a new car. But in your situation that 7.25% is a darn good rate for a first time buyer.

You might also try a local Credit Union. They offer low interest loans to their customers.

Do the math, a 1% change in the interest rate of a $15,000 loan over 5 years will only change your payment by $7.00 as month. That's less than 1 large coke a week.

In Upstate New York,what is the bank with the lowest car loan interest rate?

May 31, 2007 by OZ | Posted in Buying & Selling

New or used car loans interest rates....
48 months
60 months
2006 and 2007 cars only

Your local credit union will have some of the best rates around.

www.creditunions.com

Car loan interest rate for young individual?

Jul 13, 2008 by miniz1988 | Posted in Credit

Im planning on purchasing a car from a private party. The car costs $16,000 and i will be putting $13,000 down, so i need a $3000 dollar loan. The only issue is i am only 20 years old. My credit score is 743. How difficult will it be for me to get a car loan, and what kind of interest rate can i expect to get? Also i won't have a co-signer.

miniz1988, Get a free online auto loan quote. http://www.autoadviceonline.com/Auto-Loan.html The automated questionairre will let you know if you can be approved. It's free and you can get an answer in minutes.

I would like to know what is a good rate to pay on a car loan of 20,000.?

Dec 31, 2007 by Phantom GM | Posted in Buying & Selling

Who has the car loan rates nationally? Personal experiences from you, a family member or friend who have recently gotten a car loan would be helpful, thanks!!

It all depends on your credit rating, (credit risk,) and your down payment amount.

how do you get your interest rate lowered from a car loan after your spouse joins the military?

Jul 22, 2008 by military wife | Posted in Military

We found out my car loan interest rate has to be lowered to 6% max since my husband is active duty.

You are talking about the Servicemembers relief act and No, it doesn't have to be lowered just because he joined the military.

6% Interest Rate.
If a service member’s military obligation has affected his/her ability to pay on financial obligations such as credit cards, loans, mortgages, etc., the service member can have his/her interest rate capped at 6% for the duration of the service member’s military obligation.

Qualifying debts are debts that were incurred by the service member, or the servicemember and their spouse, jointly, before coming on active duty. Debts entered into after going on active duty are not so protected.

Notice that this particular provision of the act only applies if a servicemember's military service affects their ability to pay. However, the burden is on the creditor to seek relief in court if the creditor believes that the service member’s military career does not materially affect his/her ability to pay. The creditor must comply, unless he/she gets a court-order stating otherwise.

In order for an obligation or liability of a servicemember to be subject to the interest rate limitation, the servicemember must provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember's termination or release from military service.

Where can I find the best interest rate for a new car loan??

May 25, 2007 by Borna G | Posted in Buying & Selling

I have a trade in that has negative equity and need to keep my payments under 500. The trade in is worth 7-8k and i owe 16k. Can anyone help me? What kind of car should I buy? How can I get the dealers to give me their cheapest price?!? Where should I go to get the lowest interest rate( I have good credit(650-675)
thanks everyone!

You'll have to shop around to get the best rates. Try local banks and credit unions. Go online and try CapitalOne.com, eLoan.com, and LendingTree.com.

If you're buying a new car, the car maker (through the dealer) may offer great rates as an incentive to help sell more vehicles. Go to Edmunds.com to check for incentives on the car make and model you are interested in.