Auto Finance Rate Scores

700 and Above – Very good to excellent. You will have no problems getting a loan with a credit score of 700 or above. This is where the best rates are available.
680 to 699 – A credit score between 680 and 699 puts you in the “Good / Fair” category. Your rate and acceptance should be similar to what you would experience in the Very good to excellent category.
620 to 679 – Your credit score falls into the “Okay” category. You want your score as close to 679 as possible so you can get the best rates available. Closer to 620, and you are considered ‘par’.
580 to 619 – Your score isn’t in the ‘bad’ category yet, but if it falls in this category, you won’t qualify for the better ‘prime’ rates.
500 to 580– You are in the sub-prime scoring range. Your acceptance may require some extra work and higher rates.
499 and below – If your score is 499 or below, you are into the ‘bad’ category. We have many dealers that focus on scores in this range.

Auto Financing Rates Articles

  • Make a Higher Down Payment to Get Low Interest Rates On Your Car Loan
    • Before you buy a car there are several things you need to do first. Deciding to take the leap is the first step. Very few people buy a car on a whim. Several months of contemplating go into the decision, especially if you are on a tight budget. Use these months to save up for Read More

  • Getting a Low Rate Loan
    • Timing Locating the lowest rates on car loans is only elusive when the consumer does not know where to look. A dealer has to compete with other dealers by offering the best lending packages possible. Purchasing a car or truck at the right time can improve your chances of getting the lowest car loan rate. Read More

  • How to Get the Best Interest Rate
    • You will want to find the best interest rate for your car loan, so it’s crucial to understand and be aware of two things; the way the markets are at the moment and your own financial limitations. There are a number of things that will indicate your interest rate. the lender the car that you Read More

  • Low Rate Financing AND No Credit Check?
    • Having the money is always the obvious factor in being able to buy a car. A major one at that! Whether one has good or bad credit, it is always preferable to have low interest rather than high in auto financing. No one wants their monthly expenses to go up sky high after borrowing money Read More

  • Does a High Risk Loan Automatically Equal High Rates?
    • High risk auto loans do not always equate to high interest rates. In fact, if you know how to figure your loan you can lower your risk and lower your interest at the same time.Your auto loan might be categorized as high risk because of a poor repayment history or poor credit rating. High risk Read More

  • Simple steps in calculating the car loan cost
    • It is important for you to calculate the car loan cost before you signing the loan contract. This is because knowing the cost of the loan would allow you to determine whether the payments involved would fit your budget or not. In order to do this, you should know the loan’s interest rate, the loan Read More

  • Simplified guide in calculating a car loan rate
    • The car loan’s Annual Percentage Rate or (APR) determines the amount that you would be paying for the monthly and yearly interest. The calculation of the car loan rate is an easy task and could possibly be accomplished by using a free online calculator offered by most websites or by using a manual calculator. As Read More

  • How to gain advantage on a car loan
    • Car buyers at present should exert efforts in order to obtain the best car loan for this year. This is because getting the best financing is not an easy task as it is during period of easy credit. In addition to this, most financial institutions are still experiencing the after-effects of the global financial crisis. Read More

  • How to obtain new car loan rates with bad credit
    • In terms of car loan rates, bad credit is the greatest issue that makes loan application difficult. Many lenders as well as banks are most of the time hesitant in lending money to loan applicants with poor credit history since they view these clients as high risks and customers that are not so reliable. In Read More

  • Useful steps in researching for used vs. new car loan rates
    • Conducting an extensive research on car loan rates allows you to obtain the proper financing for the car you wish to purchase. However, it is useful for you to decide on what particular type of car that you would be purchasing. You can consider the price as well as the loan rates involved in financing Read More

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