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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%
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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 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?
ive heard of people getting as low as 0.9%! and im talking 60 months... during these tough times for the auto industry, what is considered a phenomenal or great rate on a used car loan?
No way are you ever going to get a 0.9% rate on a used car. You are confusing new-car promotional rates with used car rates. The national average used car rate for 60 months is 6.78% (Bankrate.com) and that's only for people with a great credit score (680 and above).
Lowest Auto Loan Rates – Save on Monthly Car Payments Now Subprime Blogger (blog)
Many borrowers would like to qualify for the 2.9% APR financing that dealerships offer but please understand that this is only for well-qualified buyers. If you have a credit score well below 680 then you would not be considered a well-qualified buyer. Even though you are not a well-qualified buyer this does not mean that you cannot buy a new car.
You are going to have to look for other lenders to get a low auto loan rate if you do not qualify through the dealership. If your credit score remains low and it has been declining over the last several months you are going to find many lenders are not able to offer you an extremely low rate.
Unfortunately, one of the only things you can do is take the necessary steps to increase your credit score. The best way to do this is to make sure all your bills are paid on time and in full. You should do everything possible to never miss a bill payment as this will hurt your credit score and will make it much harder to get low auto loan rates.
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