North Carolina Auto Loans

Auto Lenders & Loan Types in North Carolina (NC)

In Charlotte and surrounding Mecklenburg County towns, there are over one hundred auto dealers. Here are some places to begin your auto loan search:

• The Bank of America auto loan department includes loans for new and used cars, refinancing auto loans and lease buyout plans.
• Wachovia Bank vehicle loans cover new or used cars, SUVs, light trucks, and vans, along with RVs and motorcycles.
• Capital One will finance used and new car loans, refinance plans, and lease buyouts.
• First Charter Bank provides auto shoppers with loans for new and used cars, along with refinancing on existing auto loans.
• Bankrate.com will provide you with a directory of the best auto loan rates in North Carolina, analyzed on a daily basis. Their current recommendation in Charlotte is to look to Bank of America, Wachovia and Capital One.

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Financing Car Loans in North Carolina (NC)

If you have good credit, obtaining a loan to buy a new car is easy. Play lenders off against one another as you might with car dealers. They'll be looking to establish an ongoing relationship with someone with good credit.

Refinancing a car may also be a good choice. If you took out a loan a couple of years ago as a "high risk" borrower, your credit may have changed. See if you can get a better rate on a loan with no fees attached. If you bought your car with a good credit rating, see if auto loan rates have come down since your purchase.

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North Carolina State Auto Loan Information

For more information on auto loans in North Carolina, check with the DMV and Commissioner of Banks on auto loan regulations and requirements:

North Carolina Division of Motor Vehicles
Mail and Distribution Unit
3114 Mail Service Center
Raleigh, NC 27699-3114

North Carolina Commissioner of Banks
316 W. Edenton Street
Raleigh, NC 27603

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