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How to Get the Best Car Loan Interest Rate with Bad Credit
Car loan interest rates arent set in stone. You can get low rates even with bad credit by finding an independent lender, depositing a large down payment, or getting a co-signer with good credit. Any of these factors will lower your rates, but put them together and you will get the best car loan rates out there.
Find An Independent Lender
Deals between financing companies and car dealerships usually mean high costing car loans for you. Before you purchase a car, line up your financing ahead of time with an independent lender. Not only will you get a reasonable rate, but you can find the lowest costing loans by shopping lenders.
The internet makes car loan shopping easy. You have the option of going to a broker site for multiple quotes or searching out companies one by one. Without completing an application, you can request a car loan estimate and make your decision based on the best numbers.
Look At Vehicle Loan Terms
Vehicle loan terms will also raise or lower your rates. New cars usually will qualify you for better rates and used. Buying from a dealership will also get you better rates.
Large down payments, 20% or more, qualify you for better rates. By ensuring that there is equity in the car, the risk level of the loan drops significantly. Knowing you have a vested interest in keeping up on payments, financial companies will drop their rates.
For the largest reduction in interest rates, find a co-signer with good credit. That way, financial companies will be looking at the co-signers credit score, not yours. But be ware that there are legal ramifications for the co-signer that should be disclosed before signing any loan contract.
Strategies For The Future
Just like with mortgages, you can refinance your car loan when your credit score improves for better rates. In as little as two years, you can have a good score after a bankruptcy or foreclosure. Just make sure that your current car loan doesnt have an early payment fee.
Spend the time to shop for the best car loan rates. A few minutes invested now can save you hundreds in the future.
See my recommended Bad Credit Car Loan companies.
Carrie Reeder is the owner of ABC Loan Guide, which offers help with poor credit auto finance.
More Useful Resource and Updates on refinancing mortgage rates best home equity loan r
- Countrywide settles suit, offers direct loan relief (The Charlotte Observer)
Countrywide Financial has agreed to the largest program ever to modify home loans, as part of a settlement with officials in North Carolina and 10 other states, just days after the federal government adopted a giant financial rescue package without any relief for distressed homeowners. Countrywide, the nation's largest lender and loan servicer, recently acquired by Bank of America, had been sued ...
- Westpac says to cut variable rate by 80 bps (Reuters via Yahoo! Philippines News)
SYDNEY, Oct 7 (Reuters) - Westpac Banking Corp , Australia's fourth-largest bank, on Tuesday said it would cut its standard variable home loan rate by 80 basis points to 8.56 percent.
- 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.
- Bank of America creates home retention program for Countrywide customers (Banking Business Review)
Bank of America has announced the creation of a proactive home retention program that will systematically modify troubled mortgages with up to $8.4 billion in interest rate and principal reductions for nearly 400,000 Countrywide Financial customers across the US.
- Banks to 'pass on bulk of rate cut' (Adelaide Now)
HOME loan lenders will likely pass on three-quarters of today's official interest rate cut to borrowers, Aussie Home Loans director John Symond says.
- 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.
- Westpac and Aussie make big rate cut (Sky News Australia)
Westpac Banking Corporation has reduced its standard variable home loan rate by 80 basis points to 8.
- Westpac cuts home loans by 80bp (Daily Telegraph)
WESTPAC says it will cut its standard variable home loan rate by 80 basis points.
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