[ST] auto loans allow you to get a new or used car and typically require you to pay a fixed interest rate for 24-84 months. Generally speaking, if you choose a lower term, you will likely get a lower interest rate. For example, if you choose a 48-month loan instead of a 72-month loan, you will likely get a lower interest rate. Car buyers may even be able to later refinance their car loans in hopes to get a lower interest rate.
When applying for a car loan interest rate, you can choose to finance through a bank, a credit union, or a dealership. We will look at both options for you to determine where to get the best rates [ST]. In some instances, you may get the best deal by financing through the dealership.
With “buy-here, pay-here” financing, the car loan is financed in-house by the car dealership. The dealership determines how much you are eligible for, and you will make your payments to the dealership. To find the best financing option for you, fill out the free no-obligation form and we will email you loan options. There are no fees for our services, we are here to help.