Low Rate Car Loans

When looking for a Low Rate Car Loan, there’s one golden piece of advice we can give you: shop around.  Check out your bank’s rates, your dealer’s rates, and most importantly, shop online.

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Anatomy of a Low Rate Auto Loan

Everyone wants a low interest rate for their car loan, and it’s no wonder why.  Interest is the annoying part of a loan.  It is money that doesn’t go towards the actual repayment of your car loan – it’s extra.  So of course, you want to pay as little as possible on interest.  The less you pay on interest, the more you can put towards the principal of your loan.  Here’s some advice that will help you get the lowest interest rate possible for your auto loan:

  • Get your credit in control.  The better your credit score, the lower your interest rate.  There are a couple of things you can do to establish good credit.  First and most importantly, pay all your bills in full and on time.  Second, make sure that the credit cards and other loans you have report to credit agencies, otherwise all your efforts won’t be recognized.
  • Look online.  The best interest rates around usually come from the Internet these days.  Internet lenders have access to lots of investors; they have the resources to offer you the low interest rate you deserve.

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Platinum Auto Loan Advice

If the previous advice we gave you was golden, then this is platinum: don’t get your auto loan from your car dealer.  They have the highest rates around.  The best way to get a low rate is through the Internet.  If you are absolutely 100% dead set against getting an online car loan, look at the auto loans that your bank offers.  They still will be a little high, but they’re bound to be lower than dealer rates.

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* Auto Loan Center is not an auto loan lender or broker, but provides information about auto loan products and lenders. Not all products and services are available in all states.

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Current Rates


36 month new car:
60 month new car:
48 month used car:


Rates vary depending on your credit and the lender

Updated: January 2014

Source: Uehara Index