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Auto Loans: Top 5 Tips For The Best Rate


You've got your eye on that shiny new Lexus - okay, maybe it's a Kia, but it's perfect and you want it to be yours, all yours - as soon as possible. At the same time, you certainly don't want to be saddled with paying nearly double the car's value by the time you finish paying off the car loan. Here are five tips to help you get the best possible interest rate on an auto loan to put the car of your dreams in your driveway.

1. Check your credit rating.

If you don't already know what's in your credit report, this is a good time to find out. Before you apply for an auto loan, get a copy of your credit report to find out what surprises may be lurking in it. You may just find out that it contains erroneous information that should be corrected, or that there's something negative on it that can be either explained away or fixed easily with a couple of phone calls or letters. Either way, it always helps to know what the credit reporting agencies are saying about you before you start shopping around for a loan.

2. If you have good to excellent credit...

...then you may qualify for special incentive financing available through the car dealer. If the car dealer is offering a low, low finance rate, check all the terms and conditions carefully BEFOREHAND online to make sure that you qualify. Most often, that 1% financing rate is reserved for those who have excellent credit and can afford to do a 12 month financing plan. If that's you - then grab the deal. 1-2% financing is a bargain if you can handle the other terms and conditions attached.

3. If you need a longer term than 12 months or have spotty credit...

...arrange your financing yourself before setting foot on the car lot. Check with your usual bank for a new auto loan first, as they may have better interest rates for those who are already established customers, or who carry all their savings, checkings and loan accounts through one bank. It may save you a few percentage points in interest to do business with someone who already knows you.

4. Shop online for the best auto loan available.

At many online credit web sites, you can submit a request for multiple quotes from area finance agencies and lending firms. Simply submit your request for an auto loan quote through an online form, and the web site will submit it to up to four financing firms at once. A representative from each agency will contact you within a few hours to a day or two to discuss your request with you and give you a quote for an interest rate and monthly payment amount that they can offer you. Online shopping for credit makes it easy to compare and pick the best auto loan terms for you.

5. If your credit is bad but you need that car...

...one of your best and most often overlooked options is to find someone to cosign the loan for you. In most cases, when you have a cosigner, you'll get the interest rate that THEY qualify for, which means a lower monthly payment for you.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk.


MORE RESOURCES:

As Thousands of Taxi Drivers Were Trapped in Loans, Top Officials Counted the Money  The New York Times

The government profited and looked away as thousands of immigrant taxi drivers in New York were ravaged by exploitative loans.


Billionaire pays off loan debt for hundreds of students  CNN

Morehouse College seniors got a surprise when billionaire investor Robert F. Smith announced during his commencement speech that he would pay off the ...


Metro Organization Helps Veterans Find Loans to Finance Their First Homes  WHO TV Des Moines

DES MOINES, Iowa -- A metro organization is working to get veterans easier access to home loan programs. On Saturday, realtors helped veterans and active ...


U.S. is stepping up enforcement of delinquent student loans  Los Angeles Times

The U.S. collected $3.3 billion of delinquent student debt in the first half of this fiscal year. That's up from $2.9 billion in the full year before.


College Ave Private Student Loans Review: Rates and Options  Student Loan Hero

Whether you need an undergraduate, graduate, parent or career loan, College Ave Student Loans has something to offer. But how good are they? Check out the ...


State treasurer's small business loan program expands  New Haven Register

PROVIDENCE, R.I. (AP) — Rhode Island Treasurer Seth Magaziner's small business loan program is expanding. Magaziner says his "BankLOCAL" initiative ...


How to make a difference and still pay off those student loans  Minneapolis Star Tribune

The advice to pursue your dreams at work may be nice, but the borrowed money still has to be repaid.


Don't Be Tricked By These 3 Student Loan Scams  Forbes

Beware of these financial scams. Protect your student loans.


How Do Loans Work? | US  U.S News & World Report Money

Taking out a loan can help you in the short term, so be smart about how you pay it back so you don't have to worry about debt in the long term.


Billionaire tells grads he'll pay off their student loans  Reuters.com

Billionaire Robert F. Smith, this year's commencement speaker at Morehouse College, told the graduating class he's paying off their student loans. Rough Cut ...


Your money: Cosigning a student loan? Be prepared to pay  Reuters

(This May 16 story corrects 10th paragraph to clarify that 96% of cosigns are for undergraduate loans.) FILE PHOTO: Messages and artwork are pictured on the ...


Sanders and AOC want to cap credit card interest rates with the Stop Loan Sharks Act  Vox.com

Cheaper (but scarcer) credit cards and the end of payday loans.


When you play the Game of Loans, you pay either way  MarketWatch

Money and life lessons we learned from 'Game of Thrones'


Students and their families need support systems before they're saddled with college debt  CNBC

State and local governments need to find the resources to help families make smarter financial decisions about college during children's high school years.


CFPB Chief Says Education Department Is Blocking Student Loan Oversight  NPR

The Consumer Financial Protection Bureau's Kathy Kraninger says the department is getting in the way of efforts to police the student loan industry.


India’s Money Engine Is Broken  Bloomberg

A $55 billion funding market is drying up and threatening a chain reaction. The next prime minister must fix it, and quickly.


They Live Here Legally, But The Trump Administration Won’t Give Them Housing Loans  BuzzFeed News

The government is denying federal housing loans to young immigrants with DACA status, even after Ben Carson said it wasn't happening.


Student-loan borrowers are using their vacation days to pay off their debt  MarketWatch

This new employee benefit lets workers trade in their paid time off.


Trade Battle Poses Risks for Junk-Loan Machinery  The Wall Street Journal

The recent escalation of U.S.-China trade tensions is threatening to cut short a nascent recovery in the market for collateralized loan obligations.


One way to tackle the student loan crisis: bankruptcy court  The Washington Post

Why is student loan debt treated differently than all other consumer debt?


How one woman used minimalism to pay off $50,000 in student loans in 2 and half years  NBC News

By looking at minimalism as a lifestyle instead of a sacrifice, Jennifer Chan paid off $50000 in loans in a few short years.


Elizabeth Warren: Let Student Loans Be Discharged In Bankruptcy  Forbes

Will you be able to discharge your student loans in bankruptcy? Elizabeth Warren hopes so. Here's what you need to know. The Student Borrower Bankruptcy ...


Education Department hinders policing of student loans, consumer agency says  POLITICO

The head of the Consumer Financial Protection Bureau says the Education Department is impeding access to information that regulators need to oversee the ...


Pete Buttigieg made $75K on his book deal, but owes much more in student loans, disclosure finds  USA TODAY

Democratic presidential hopeful Pete Buttigieg has lots of student loan debt and received a $75,000 advance for his political memoir, according to financial ...


Elizabeth Warren calls Navient ‘scammers’ after student loan giant celebrates making the Fortune 500  MarketWatch

The company is facing multiple lawsuits from the CFPB and states attorneys general.


Disaster loans flooding into Nebraska  KSNB Local 4

As of May 16th, the Small Business Administration had lent more than $33.4 million to Nebraska homeowners and businesses recovering from the March floods.


U.S. Stepping Up Enforcement on Delinquent Student Loans  Bloomberg

Your rich Uncle Sam is calling in his chips. The U.S. government stepped up collections on delinquent student debt to $2.9 billion last year -- or an average of ...


What’s Scarier Than Student Loans? Welcome to the World of Subprime Children  The New York Times

Income share agreements sound like a better deal than today's student loans, but what will they do to society?


Thinking of cosigning a student loan for your child? You might regret it  CNBC

As the cost of college rises, more parents are cosigning private loans for their children's education. That move can leave them on the hook for the debt if their ...


Loan program milestone: RGV-pioneered franchise reaches 50000 mark  Brownsville Herald

The Community Loan Center, an employer-based, small-dollar loan program pioneered in Brownsville in 2011 and now franchised around the United States, ...


Bernie Sanders: 'Exploitative' payday loans in Wisconsin average 574% annual rate  PolitiFact

Ramping up his latest push for the White House, Bernie Sanders is taking aim at high interest rates on credit cards and payday loans. The Vermont senator ...


Malaysia Turns to Property Crowdfunding as Banks Reject Loan Applications  Bloomberg

Malaysia's government is turning to the wealth of the masses, instead of reticent banks, to help solve a $4.8 billion property overhang.


More states pass student loan servicer laws  Politico

Education groups pan White House cut to Pell surplus — House Veterans Affairs Committee tackles school closures.


Royal Oak offers loans to fix up houses for low-income owners  The Daily Tribune

Royal Oak has federal grants to loan to low- and moderate-income residents to improve their homes.


US steps up enforcement of delinquent student loans  Duluth News Tribune

Your rich Uncle Sam is calling in his chips. The U.S. government stepped up collections on delinquent student debt to $2.9 billion last year -- or an average of ...


Interest-only loan growth: A harbinger for recession? | TheHill  The Hill

Interest-only loans are on the rise, which has some analysts spooked that the economy is already trending toward a recession. If only it were that easy to foretell ...


Federal Student Loan Interest Rates Decrease For New Borrowers In 2019 - 2020  Forbes

For the first time in three years, the interest rates on Federal student loans will decrease anywhere from seven to ten percent depending on the loan type.


Behind on bills? A new personal loan will help, TransUnion study says  USA TODAY

One counter-intuitive way to help someone who's fallen behind on bills is to give them another loan, according to a new TransUnion study.


Side Hustles to Help Pay Off Your Student Loans  U.S. News & World Report

Any extra funds applied to student loan debt will shorten the time it takes to pay it off.


Income-based repayment is the best solution to student debt  Quartz at Work

Here's the problem with student debt: It's only a problem for some people. Americans of all ages owe almost $1.5 trillion in student loans and so many Americans ...


Find out if you qualify for a student loan debt forgiveness program  KTRK-TV

Consumer Reports say there may be relief ahead if you qualify for a student loan forgiveness program.


Former Greg County GOP chair admits to using loan documents with forged signatures to obtain $145K  KLTV

An East Texas businessman admitted to using loan documents with forged signatures in order to get personal and commercial loans for a total of $145000 from ...


New bill links 401(k) matches to student loan payments  InvestmentNews

A bill that includes a provision to make it easier for companies to contribute to the retirement accounts of employees who are paying down student debt was ...


Parents Owe $89 Billion In Student Loans - Here's What To Do About It  Forbes

When you think of your golden years, you think of rest, relaxation, travel and the good life. The last thing on your mind: student loans. Yet, for millions of ...


It could become easier for people with student debt to file for bankruptcy  CNBC

Lawmakers could make it easier for student loan borrowers to cancel their debt in bankruptcy. The bill, which is supported by 14 Democrats, one Republican and ...


Top Finance Dem offers bill to help those repaying student loans save for retirement | TheHill  The Hill

Sen. Ron Wyden (D-Ore.), the top Democrat on the Senate Finance Committee, on Monday introduced a bill aimed at making it easier for those with student loan ...


To boost equity, give public loans to pot startups  The Boston Globe

Sonia Chang-Díaz's amendment would move Massachusetts closer to reaching its goal of a truly equitable cannabis industry.


New initiative drive would ban high-interest title loans in Arizona  Arizona Daily Star

Auto title loans can carry an annual percentage rate up to 204 percent a year.


'Quite remarkable': Consumer watchdog says Department of Education is obstructing student loan oversight  Yahoo Finance

The Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger may have been blasted for her bureau's poor oversight of predatory student loan ...


Lawmakers weigh state borrowing to help college grads pay off loans  Press Herald

AUGUSTA — Lawmakers are once again exploring avenues to use student loan forgiveness and zero-interest loan programs as a way to simultaneously ...


Grewal joins other AGs in battle over relaxing payday-loan rules  WHYY

New Jersey's attorney general is stepping into the ring again with the Trump administration, this time trying to prevent a federal consumer-watchdog agency from ...


As Solar Loans Start to Dominate, Loan Providers See Increasing Value in Installer Networks  Greentech Media News

As a result of the ITC stepdown, solar loans will increasingly start to look like regular consumer loans.


Zimbabwe must prove itself before seeking World Bank loans | TheHill  The Hill

Zimbabwe's authoritarian government is working with World Bank staff and outside powers to get the creditors to clear billions in arrears and restart loans.


6 Things to Know About Student Loans Before You Start School  NerdWallet

Before you start college, make sure you know the ins and outs of student loans for freshmen. That includes how to get a loan and what to use the money for.


Congo Nears Restructuring of Oil Loans, Unlocking IMF Cash  Bloomberg

The Republic of Congo and commodities-trading house Trafigura Group agreed to reorganize several hundred millions of dollars in oil-for-cash loans that the ...


Household debt hits $13.6 trillion as student loan and credit card delinquencies rise  Yahoo Finance

Total U.S. household debt is now $993 billion higher than the peak of $12.68 trillion in the third quarter of 2008, according to a new report by the New York Fed.


Surging Auto Loans Help Fuel Rise in American Household Debt  Yahoo Finance

(Bloomberg) -- The auto loan has flourished among American consumers over the last two decades, with its prevalence among the U.S. population rising each of ...


6 Ways a Personal Loan Can Benefit You  Student Loan Hero

Personal loans are a versatile financial product. You can use your funds to afford a big purchase, consolidate debt or handle a hefty bill. See other ways a ...


Teachers Begin To See Unfair Student Loans Disappear  NPR

Nearly 2,300 teachers have just had a mountain of student loan debt lifted off their backs, according to previously unreleased figures from the U.S. Department of ...


To Make Ends Meet With Rent, Some Millennials Turn To Loans From Startups  WBUR

For younger renters looking for help on payments, there's a new solution: loans from startups. We look at the details and pitfalls.


Millennials struggle under the burden of student loans  CBS News

Taylor Smith graduated college with 11 student loans and $53000 in debt.


Subprime Bites: Auto-Loan Delinquencies Spike to Q3 2009 Level, Despite Strongest Labor Market in Years  WOLF STREET

Serious auto-loan delinquencies – 90 days or more past due – jumped to 4.69% of outstanding auto loans and leases in the first quarter of 2019, according to ...


What Is a Business Working Capital Loan?  U.S News & World Report Money

For small businesses, working capital loans can fund short-term needs and unplanned expenses that cash flow can't cover.


Warren, Nadler introduce bill to allow student loan borrowers bankruptcy relief | TheHill  The Hill

A bipartisan group of lawmakers on Thursday introduced legislation to make bankruptcy relief available for student loan borrowers. Sens. Elizabeth Warren ...


The latest victims of the student debt crisis — parents  CNBC

Parents have collectively borrowed nearly $90 billion to pay for their children's college education. Here's how to reduce that burden.


How the student loan 'grace period' can actually make your debt problem worse  CNBC

The student loan “grace period” is a six- to nine-month reprieve from having to pay back your loans that starts from the time you graduate or drop below half-time ...


Is Betsy DeVos Selling Your Student Loans?  Forbes

U.S. Secretary of Education Betsy DeVos may sell your student loans. Here's what you need to know and what it means. Potential Sale of Student Loans.


With this kind of debt, you can kiss your sex drive goodbye  CNBC

Nobody likes writing a check every month. The joy of that new car quickly gives way to monthly misery — especially when the size of the check is sometimes ...


Revisiting small loans rules crucial to maintaining access to credit for vulnerable consumers | TheHill  The Hill

The truth is that millions of Americans would be worse off without access to small-dollar loans.


Loan forgiveness program rejects teacher, leaving her with $80,000 in debt  CBS News

Debbie Baker said her loan provider told her she was on track for forgiveness, but was rejected when she applied.


HELOC: Understanding Home Equity Lines of Credit  NerdWallet

A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity ...


Tesla rolls out employee loan benefit as factory workers cope with unpredictable hours  CNBC

Tesla has rolled out a new benefit for its workers: employee loans, facilitated through the London-based financial tech start-up Salary Finance, and funded via its ...


Starbucks, Mercon announce separate sustainability loans  Reuters

NEW YORK (Reuters) - Starbucks and Mercon Coffee Group separately announced sustainability-focused loan facilities on Monday, signaling the coffee sector's ...


Wall Street Journal: McKinsey hired to review federal student loan program  CNN

Washington (CNN) The Trump administration is retaining the consulting firm McKinsey to assess the federal student loan portfolio as the government weighs ...


Minnesota Senate votes to pay Argosy students for grants, loans lost in closure  KMSP-TV

(FOX 9) - The Minnesota Senate voted unanimously to pay Argosy University students directly for state grants and loans kept by Argosy when the school ...


Facing retirement with parent student loans? Transfer them to the kids  Los Angeles Times

It's not wise to use retirement funds to pay down student loans taken out on behalf of your children. Consider refinancing the debt so that the graduate can take ...


Planned state initiative would ban high-interest title loans  Verde Independent

PHOENIX -- Saying the rates they charge amount to usury, backers of a new initiative seek to outlaw title loans -- or at least the interest they are allowed to ...


Student loan forgiveness: millennials deserve a break from boomers like me  Vox.com

Boomers like me who paid off all of our student loans need to give millennials a break.


Three French Banks Join R3 Corda Blockchain-Based Loans Platform  Cointelegraph

British financial software firm Finastra has signed three global banks on its R3 Corda blockchain-based syndicated loans platform, the firm officially announced ...


Rising Rents for Millennials Give Rise to a New Breed of Lender  The Wall Street Journal

Startups are stepping into a market long associated with payday lenders. One pitfall is that such loans might encourage some young renters to live beyond their ...


Elizabeth Warren Wants to Cancel Student Loans. Critics Wonder if That’s the Right Solution.  The New York Times

While many borrowers welcomed a one-time loan clearance plan, it also raised long-simmering questions about the cost and quality of college.


U.S. Student-Loan Program Now Runs Deficit, CBO Estimates  Wall Street Journal

U.S. officials no longer think the government will make money off the federal student-loan program and now project it will cost taxpayers tens of billions of dollars ...


How Do Student Loans Affect Your Credit Score?  Student Loan Hero

Americans owe more in student loans than they do on credit cards, but how does that debt impact the rest of their financial lives? If the day comes when you want ...


Payday loan complaints reach five-year high  BBC News

The behaviour of some loan firms is deemed 'unacceptable' by the watchdog, the Financial Ombudsman *Service*.


Exclusive: Turkey presses banks to agree high-stakes bailout of bad energy loans  Reuters

Turkey's plan to clean up some $13 billion in bad energy loans, one of the worst hangovers from last year's currency crisis, is taking shape even as some banks ...


Alexandria Ocasio-Cortez and Bernie Sanders Team Up on Bank Legislation  The Intercept

Alexandria Ocasio-Cortez will announce her first major bill today, in partnership with Vermont Sen. and presidential candidate Bernie Sanders. It's something ...


Teachers took grants to work in poorer schools. Thousands got hit with debt. Now, a fix is on the table.  Indianapolis Star

A federal grant program that was supposed to encourage teachers to work in low-income schools turned into a headache for many recipients when those grants ...


Federal Reserve Warns as Risky Corporate Debt Exceeds Peak Crisis Level  The New York Times

Companies with large amounts of debt are borrowing more money at a breakneck pace, prompting the Federal Reserve to flag the trend as one potential risk in ...


Elizabeth Warren Proposes Cancelling Most Student Loans  Forbes

95% of student loan borrowers would get relief under Warren's proposal.


Amid student debt surge, a debate over whether $1.5T is a crisis or 'peanuts'  Yahoo Finance

College graduates saddled with loans has become a major problem for the economy, and a political hot potato. So just how big is the problem, really?


State awards $23M in water quality loans to Iowa communities  Des Moines Register

The State Revolving Fund loans help Iowa cities with drinking water and wastewater infrastructure projects.


How to Refinance a Small Business Loan  U.S News & World Report Money

Refinancing a small business loan, compared with a mortgage, has a few more steps and may require as much documentation as your initial business loan.


Senior citizens saddled with student loan debt  WLS-TV

Student loans can weigh on recent graduates-- and beyond. Some senior citizens are still saddled with student loan debt. Here's how debt can uniquely affect ...


Seniors owe billions in student loan debt: "This will follow me to the grave"  CBS News

"Because of student loans we are literally driving tens of thousands of older Americans into poverty"


Colleges need to have skin in the game to tackle student loan debt | TheHill  The Hill

Colleges should not play the role of subprime mortgage brokers sticking taxpayers with the bill.


Can We Design Student Loan Forgiveness to Target Low-Income Families? - Education Next  EducationNext

Proposals to make college free and forgive student debt have been criticized for disproportionately delivering benefits to high-income families. This pattern is ...


What Happens to a Parent PLUS Loan if a Parent Dies  U.S. News & World Report

Parent PLUS loans have a provision for when the unthinkable occurs.


Majority Of Student Loan Borrowers Eligible For Student Loan Forgiveness  Forbes

Over 50% of student loan borrowers qualify for some type of student loan forgiveness program today, and here's where you can find these opportunities.


What Is a Personal Loan Origination Fee?  NerdWallet

A personal loan origination fee is an upfront fee charged by some lenders for processing a new loan. Here's what to know about origination fees and loan costs.


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