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How To Get The Best Interest Rates On Used Car Auto Loans

Nobody wants to pay more than they really have to for what they buy, and that is true of used car auto loans as well. Since the amount that you pay back to the lender is tied to the amount of interest charged, it's important to get the best auto loan rates that you can. Over the course of an auto loan that stretches over 5 - 6 years you can pay out thousands more on an loan that has higher than normal interest rates. So one of your main goals when arranging financing for the car purchase is to get the best interest rate that you can.

One of the most important points to realize is that you will almost always get the best auto loan deal by arranging it yourself before you even go car shopping. It may not be the easiest and most convenient thing to do, but getting your car financing lined up in advance can save you lots of money over the life of the loan. A lot of car buyers prefer to just let the dealer arrange the financing for them instead, and by doing that they wind up paying more than they should for that loan. Car dealers rely on this convenience factor and make plenty of money in their finance department as a result.

Typically, the dealer writes up your contract with a preferred lender who has an arrangement with them to pay the dealer so much money for every loan that they write through that company, and the dealer can also mark up the interest rate to pad their profits too. Of course, someone has to pay for that extra that the dealer gets, and that is you, the consumer. That's why lining up your own uaed car auto loans in advance is a smart move.

Contact your local banks and credit unions if you belong to any, and have them make a loan offer for you. Then go online and get loan quotes from the major online auto financing sites that specialize in dealing directly with consumers. There is always a better loan deal that can be had, so the more you shop the more chances you have of getting lower rates and a better deal. You will also no doubt find that loan arrangements will vary not just a little but sometimes a lot between different companies, so that's why it's good to do as much shopping as you can first.

You should also know your credit history, and should have kept any errors off your credit report before you start loan shopping too. The credit score that is in your credit history will decide whether or not you get the best auto loan rates. So keep your credit score high to avoid losing money on future loans. If for any reason, your credit history suffers, get back on track as soon as you can and start paying your bills on time and in full. Often you can turn your credit score around in just 2 -3 years time even after suffering a serious setback.

Understanding the lending process and shopping for the best deal on your own puts you in control of your loan arrangements, and that means that you will be a smart consumer that saves money by getting the best auto loan rates possible each time you buy.

Jim Johnson writes on many consumer related topics including autos. You can find out more about used car auto loans and the best auto loan rates by visiting our Auto Review website.

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More Useful Resource and Updates on equity home loan rate payment calculator

• Banks slash home loan rate (Perth Now)
  THE big four banks have all reduced their variable home loan rate by 80 basis points, passing on most of the Reserve Bank's full percentage point cut.



• TD boosts home equity loan rates (London Free Press)
  TORONTO -- One of Canada's biggest mortgage lenders, TD Canada Trust, is increasing the interest rate charged for its home equity line of credit and variable-interest mortgages.



• Major banks cut home loan rates (Sky News Australia)
  The big four banks have all reduced their standard variable home loan rate by 80 basis points, passing on most of the Reserve Bank's full percentage point cut.



• Westpac cuts home loans by 80bp (Daily Telegraph)
  WESTPAC says it will cut its standard variable home loan rate by 80 basis points.



• Countrywide agrees to largest home loan aid program to settle suits (International Herald Tribune)
  To settle lawsuits with 11 states that accused it of predatory lending practices, Countrywide will provide $8.4 billion in direct loan relief, affecting an estimated 400,000 U.S. borrowers.



• Commonwealth Bank to cut mortgage rates by 0.8 pct (Reuters via Yahoo! Malaysia News)
  SYDNEY, Oct 7 (Reuters) - Commonwealth Bank , Australia's second-largest bank, on Tuesday said it would cut its standard variable home loan rate by 80 basis points to 8.53 percent, following a big rate cut from the central bank.



• Countrywide Settles Fraud Cases for $8.4 Billion (Update1) (Bloomberg)
  Oct. 6 (Bloomberg) -- Countrywide Financial Corp. , the home mortgage lender acquired by Bank of America Corp. in July, will offer interest rate and loan principal reductions plus other distressed borrower relief valued at $8.4 billion to settle consumer fraud complaints from 11 states.



• Westpac cuts home loan rate by 0.8% (The West Australian)
  Westpac Banking Corporation has reduced its standard variable home loan rate by 80 basis points to 8.56 per cent, passing on most of the Reserve Bank of Australia's (RBA) cut in the overnight cash rate.



• Commonwealth cuts home loan rates (Daily Telegraph)
  AUSTRALIA'S biggest mortgage lender Commonwealth Bank has reduced its standard variable home loan rate by 80 basis points to 8.53 per cent, passing on most of the Reserve Bank's cut in the cash rate.

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