Used Car Auto Loans: Interest Rates to Expect

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January 27, 2012

When searching for a used car auto loans knowing what interest rates to expect can be a big help in determining exactly what car payment rate will be so you can budget for the expense. The question is how to find out the current used car interest rate.  There are a few things you need to know before even looking for the current rates.


Before you even look for the used car interest rates, know whether you have good credit, bad credit or if your score is somewhere in between.  The difference in the used car interest rate can be quite large.


The used car loan interest rates that you can expect will also differ greatly from place to place. What is a good rate for Florida residents may or may not be available to residents of New York. So geography does play a big role in what used car interest rate to expect.

To discover the rate, go to your bank's Web site. The information is usually listed there. However the information will more than likely be specific to good credit only.  To find the car loan rates if you do not have stellar credit may require you to search for the information online. If you are still confused, it is best to visit the bank and discuss about it with a loan representative. The representative will be able to provide the details of interest rates along with the amount you will need to pay in installments.

Online interest rate calculators

The online interest rate calculators will usually have the information you seek. You can even calculate the full cost of the loan from there.

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