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## *Hello.* Seven Tips for Getting the Best Car Loan Rates Now that you know some of the best spots to look for a car loan, let’s talk about some more general strategies that you can exploit to it might seem like a longer term is the way to go because of lower monthly payments — who wouldn’t want to pay under $300 versus nearly double that? — remember to consider the long term. If you could pay off your loan in three years, you’d pay just $1,579 in interest. If you opted for a lengthy seven-year term, you’ll be paying $3,745 in interest — more than twice as much — not to mention budgeting for a car payment for four extra years. Luke Kinton HeadshotWith auto loans, since it is a depreciating asset, you want to pay the least amount possible in interest. If you are paying a 10 percent interest rate on a vehicle that is losing 20% of its value every year, you can become upside down quickly and be stuck in a massive car payment even after its economic utility has been exhausted. Beware of dealers who try to sell you on a car by showing you how low your monthly payment can be. This tactic simply boosts their bottom line by diverting your attention from the purchase price, driving it higher along with your loan amount. #4: *Buy new — maybe.* It’s usually easier to land a better interest rate on an auto loan if you’re buying a new car instead of a used one. Average interest rates for used cars can be significantly higher than they are for new cars. That’s largely because people seeking loans for used cars tend to have lower credit scores than people who need a new-car loan. Joel Ohman HeadshotOne hidden cost to buying a new car is that sometimes the new car has much higher insurance rates than your old vehicle. In all the excitement of researching which car to buy, this is something that many new car shoppers never even think to consider. Of course, the fact that new cars lose so much of their value immediately after you take possession is still a compelling reason to look at used cars, and that’s the reason why they’re the best deal most of the time. But be sure to consider the better financing you might receive on a new car while you’re making your decision. Similar sticker prices — for instance, if you’re comparing a new mid-range car and a used luxury car — could tip the balance in favor of the new car. #5: *Don’t pay for ‘extras’ with your loan.* Car dealers make a lot of money on all the little extras they will inevitably offer you. These extras could include extended warranties or upgrades like rust-proofing, fabric protection, and security systems. Most experts warn that purchasing these add-ons rarely makes sense. But rolling them into your loan makes even less sense — the interest means you’ll be paying even more for these extras in the long run. #6: *Exploit interest-rate discounts.* Many lenders will knock a little bit off your rate if you sign up for automatic payments or pay your bill online. Others may give you a discount gadai bpkb motor di bogor if you have a previous banking relationship with them or you’re purchasing a specific type of car. Don’t assume you’ll be told of these potential savings — always ask. #7: *Consider 0% interest deals, but do your homework.* Never say no to free money. A 0% interest auto loan is a good way to have an affordable payment and reserve your cash for other expenses or an emergency. Just make sure to look at the full terms associated with the loan and payment to ensure you can make it work in your long-term budget. You’re not going to find a 0% interest rate offer at banks or credit unions, but you may find them offered at the dealership by your car with a 7.08% APR. http://ejournal.unitomo.ac.id/index.php/jsk/comment/view/448/0/77072 http://estadoycomunes.iaen.edu.ec/index.php/EstadoyComunes/comment/view/8/0/925656

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