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The following article was published in our article directory on May 11, 2012.
Learn more about SpinDistribute Article Distribution System.

Financing a Car Like an Expert

Article Category: Automotive

Author Name: John St James

Theoretically, financing a car is a simple and straightforward process. You find the car you like, apply with a lender, get approval, and then take home your car. Realistically financing a car is a logistical nightmare and involves a lot of procedures that consumers fail to fully grasp are essential. This article will discuss how a first time car purchaser can go about financing a car the way experts do.

What is a Car Loan Interest Rate?

Financing an automobile means contracting with a lender that will pay the purchase price in full with the dealership and then require the consumer to pay regular installments with interest. The car loan interest rate varies from person to person depending on:
- Credit rating
- Financial capacity
- Income to expense ratio
- Cash on hand

Of course there are a lot more factors to consider, but suffice it to say that the car loan interest rate depends highly on a consumer's credit rating.

Bad Credit Auto Loans

A consumer with financial capacity and an excellent credit rating will undoubtedly get the best car financing plans. However, this article is concerned with the majority of consumers who take out bad credit auto loans. Bad credit auto loans mean that a consumer who has a below median to poor credit rating takes out an auto | a car loan which results in higher interest rates, longer payment periods, or worst denial of an auto loan.

Best Auto Loan Rates Given the Circumstances

Getting the best auto loan rates is a matter of perseverance, proper planning, and fearless execution. This means

Considering dozens of lenders to find the most accommodating one, taking into consideration your current financial situation;

Pulling out then repairing one's credit rating;

Maintaining a healthy debt to income ratio or regularly paying overdue debts on time and in full; and

Knowing the right time to take out an auto loan.

More often than not, consumers with poor credit ratings have to wait a couple of months after performing the above mentioned steps in order to get acceptable viable loan rates.

Affordable Car Loans for Bad Credit Do Exist

The reality is consumers with bad credit and who lack financial knowhow will get a bad deal. This means car loans for bad credit that have higher interest rates per installment resulting in a higher annual percentage rate (APR). This translates to a few thousand dollars lost by way of interest payment alone. In order to escape this situation or at least mitigate the loss, a consumer must make the most out of car loans for bad credit thru:
- Aggressive negotiations
- Properly timed takeout
- Several viable offers (not just one or two)
- Knowing how to pit one lender against another.
- Try Using a Car Financing Calculator

A car financing calculator is one available online for free or for a fee. It allows a consumer to get an estimated auto loan rate after inputting personal and financial information. For best results, make sure to:

Use the right type of car financing calculator. There are several types depending on the type of car loan

Verify that the car financing calculator is applicable in your state or locality

Verify that the car financing calculator is up to date, at least within the recent quarter

Keywords: car loan interest rate, new car financing, financing a car, auto loan credit repair, bad credit auto loans, bad credit car loan, financing a car, best car finance deals, best auto loan rates, bad credit auto loans, car loans for bad credit, car financing calculator

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