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Answers
We have a car loan that began in 2005 and have never made 1 late payment – every month the car loan was paid on time.
We’ve recently received offers from various banks/loans proposing a lower interest rate.
We want to stay with our current auto loan provider but want them to lower the interest rate… is that possible? If so, how should we approach this request?
you can always get a lower intrest rate according to my bank
i can get them to refinance it at a lower rate sooo..
try your bank after buying the car through the dealerships lender. if your bank wont refinance try your insurance company they may refinance it. I know State Farm Insurance refinances vehicles.
it also is based on downpayment,payment history, and your credit score.
then they may possibly fight to keep you as a customer by lowering your current intrest rate.
do your home work first.
Good Luck i hope this helps!!!
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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%
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.
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.
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.
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.
News
Reply to comment ScienceBlog.com- Feb 26, 2009
Reply to commentScienceBlog.com, CASo obviously once they reach home after a long day, looking for the best car loan isn't exactly at the top of their list. Therefore it may be easiest to just apply online for an auto loan. Online auto loans tend to be available to people with various- Feb 26, 2009
Loan Swaps Make Taxpayers ‘Worthless’ Equity OwnersBloombergThe European corporate default rate on loans and bonds has tripled from a year ago, according to Moody’s Investors Service, and lenders in the UK and on the continent are trying to prevent corporate clients from going into bankruptcy and liquidation.- Feb 26, 2009
Visteon Grapples With Loans as Carmakers Lobby Obama Task ForceBloomberg26 (Bloomberg) -- Visteon Corp., the Ford Motor Co. spinoff, said yesterday it may join other suppliers in breaking loan terms, raising fresh concerns about the health of US partsmakers on which car companies rely. Lear Corp., American Axle- Feb 26, 2009
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Pine TreeDon’t get Duped Into, or Out of, Your Loan Modification ~ By Pine Tree, CAUse the phone number off of your loan statement from your mortgage lender or bank. Next, gather some financial information about your income and expenses. This includes debts and payments to credit card companies, car loans, equity lines etc.
