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9 tips to get a good deal on your first auto loan Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering you interactive tools and financial calculators that provide objective and unique content, by enabling users to conduct research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that compensate us. This compensation could affect how and when products are featured on this site, including, for example, the sequence in which they appear within the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity and other home lending products. However, this compensation will have no impact on the information we provide, or the reviews that you read on this site. We do not contain the vast array of companies or financial deals that may be available to you.



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praetorianphoto/Getty Images
6 min read Published September 30 2022
Written by Allison Martin Written by

Allison Martin's career started over 10 years ago as a digital content strategist, and she's since been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He is a fan of clear reporting that helps readers confidently find deals and make the best decisions for their financials. He is a specialist in small and auto loans.









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Making plans to purchase a vehicle to the very first time could be to be one among the toughest situations that you can go through. With so many things to consider about the actual car to consider, the loan could fall by the wayside. Don't let it. It isn't easy to find a loan -- but the more you can do now you do, the better off your financial situation will be in the future. Low interest rates are the most important factor to an affordable car, regardless of the vehicle you choose to purchase. 1. Be honest with your budget. The most important factor when you purchase a car ought to be the price. Be aware of the amount you be paying each month as well as the total amount of interest you pay to . You should also think about the maintenance costs you expect to pay for of the vehicle, fuel and insurance all factor into how much you pay. Experts advise not spending more than 10% of your income on a car. Make use of an app to estimate the monthly installments and total interest paid. You can then look up resources such as Edmunds and Kelley Blue Book to see what you could expect to pay for the vehicles you are interested in buying. What you should take away from this is
Assess your financial situation to determine without stretching your budget too far.


2. Be aware that longer terms translate to an increase in cost. The price of a vehicle is increasing. It's easy to find a loan that lasts six to seven years but they do have a significant negative. A longer loan period does result in that you pay less monthly- which could be helpful for those on a tight budget -however it will result in more interest paid overall. If you decide to purchase an inexpensive car and you are able to get it, you could soon be in debt, or pay more than what it's worth. When you take out that first car loan, choose the most short-term term you can afford every month. It may mean you have to reduce your spending in different areas but it's by far the most secure option to ensure that you don't end up having to pay more for your car than what it's worth. It is the most important lesson to take away
It's likely that you'll save money in interest by choosing a shorter loan time frame, and you can minimize the risk of getting upside down on your car loan.


3. Review the credit score and report. credit rating is one of the main element that lenders take into account when determining the interest rate. To get a good deal, you will need excellent credit. Also, you'll require a history of punctual payments. If you've never had the chance to build your credit score and track record it will be a difficult time finding a good deal. It could be necessary to pay -- which means an interest rate that is higher. But if you can wait for your vehicle loan, try to and establish a track record of timely payments. A lower ratio of debt to income indicates to lenders that you are able to manage your financial situation. Make a strong financial case for lenders to get an attractive deal. Take away
Improve your credit score before applying for a competitive interest rate in the auto loan.


4. Choose with more than one lender Ccomparing lenders is just the same as comparing car prices for a great bargain. There are a variety of lending options to choose from. include: : If you have very little or no credit history, you could be eligible for a first-time buyer program offered by local credit unions. You'll need to become an active member of the credit union to be able to apply for loans So, inquire about how to join prior to making any moves. Big banks: Customers who have an established association with an established bank may be eligible to receive an auto loan. As a first-time buyer, you may face higher rates. Internet lenders typically offer less stringent criteria for eligibility than traditional banks. This is great news for those who do not have credit history or have a high score, however you should expect a higher interest rate to offset any risk to the lender. Marketplace lenders: These online platforms have a vast network of lenders. When you submit an application, it is shared with the community so that you can view potential loan offers with lenders who could be a good match. Captive lenders: You can get financing through or the finance company that is part of the manufacturer of your vehicle. They often feature auto loan programs specifically for currently enrolled students and recent college graduates. Every lender has different rates and methods of calculating who gets which terms. It is crucial to shop around and make an application with a variety of lenders. This will allow you to determine what you qualify for, the amount you could spend and what you can expect to pay every month. Key takeaway
Shopping around helps ensure that you receive the top price on an auto loan.


5. Preapproval is a must. additional benefits: It likely ends in a period that can last for up to 30 days. When you ask for preapproval the lender generates an informal inquiry that doesn't impact your score on credit. You'll be able go to the dealer and vehicles without the pressure of needing to secure financing. Preapproval gives you the upper hand in negotiations. Dealer financing is typically expensive because dealers mark up their rates to earn profits. If you visit the lot with a preapproval document, you may be capable of negotiating a favorable deal on in-house financing -, if that's the way you'd like to take. Certain dealers offer the option of low-interest financing. If you've already achieved the best rates from another lender Your choice is clear: Reward yourself by recouping the cost. Key takeaway
Getting preapproved helps narrow the list of lenders you could consider and also reduces the effect of your credit rating.


6. Make a decision between used, new or leasing Lenders offer different rates on auto loans for . Lessors use their own method of calculating the monthly payment -- called the factor rate -- and you must investigate the factor rate before you take this step. If you are planning to purchase it, remember that new cars typically offer lower rates across all levels. However, new cars are also significantly more expensive and lose value faster through depreciation. Therefore, even though you'll be paying more for a used car, you may still save money. What's the most important takeaway
New cars typically come with more attractive loan conditions than used vehicles however, your total cost will be higher.


7. Find specials offered by the manufacturer. Many manufacturers offer first-time car buyer programs. Some even offer to college students as well as recent grads. If you are planning on purchasing a brand new car or have the money as well as credit score to back it up, and are interested in financing through your home is a good idea to investigate whether you can get a little money off. Manufacturers can also offer rebates and special leases for new models. Keep an eye out for these. You'll be limited to what you can buy and the amount you can spend it. However, if you have a clear picture of what you're looking for and have excellent credit, manufacturers offers can help you save money on your first auto loan. Key takeaway
Check with the dealer to find out whether you are eligible to receive financing incentives when buying a new car.


8. Utilize a co-signer, or co-borrower. If you do not have stellar credit, a could of getting a good deal. The lender will consider the credit score of both parties in deciding whether or not to finance your vehicle. A loan to the vehicle, however you will be liable for the loan when you fail to pay on time. A co-borrower, however, has ownership of the vehicle and shares the responsibility in your loan along with your. Regardless of which you select, the individual should be able to demonstrate excellent credit and consistent source of income that is sufficient to meet the lender's minimum threshold for approval. Key takeaway
A co-signer or co-borrower could strengthen your approval odds and enable you to secure the best deal on a car loan.


9. Make a large down payment. Once you've figured out how much you can spend starting with a minimum of 20 percent of your total cost. If you're unable to afford this amount, aim for an amount of at least 10%- or whatever you can be able to. Try Bankrate's tool to find the right amount for you. It's tempting to buy the most expensive car, but first-time car buyers -- as well as every car buyer -- must make a down payment to reduce the amount they have to finance. A larger down payment improves your chances of a good interest rate, and also lowers your monthly payment and shrinks the amount of interest you'll have to pay throughout the loan's duration. Key takeaway
A larger down payment could be eligible to get better loan conditions, and your monthly payment will be lower.


The next step to securing a great deal on your first car loan is to be in the game and compare. You could get a competitive rate by comparing lenders, putting aside the cost of a downpayment and improving the credit rating. Find out more


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Written by

Allison Martin's work started over 10 years ago as a digital media strategist. Since then, she's been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.



Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He values transparent reporting that allows readers to easily get deals and make best decisions for their financials. He is a specialist in auto and small business loans.











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