Auto Loans
Get the best rates on new and used car loans
Low Rates
Competitive rates starting around 5% for qualified buyers
New & Used
Finance both new and used vehicles with flexible terms
Pre-Approval
Get pre-approved in minutes with no credit score impact
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Auto Loan Buying Tips
1. Check Your Credit Score
Know your credit score before applying. Scores of 720+ get the best rates, while scores below 660 may face higher rates or require larger down payments.
2. Get Pre-Approved
Shop rates from multiple lenders before visiting dealers. Pre-approval gives you negotiating power and ensures you're getting a competitive rate.
3. Calculate the Total Cost
Look beyond the monthly payment. Calculate total interest over the life of the loan. A lower payment with a longer term often costs more overall.
4. Consider the Loan-to-Value Ratio
Lenders prefer loan amounts at 80-90% of the car's value. Higher ratios may result in higher rates. Make a larger down payment if possible.
5. Negotiate the Car Price First
Always negotiate the vehicle price before discussing financing. This prevents dealers from manipulating numbers to hide costs in monthly payments.