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Weekly update of auto loan rates

Here's a look at the state of interest rates on five common consumer banking products and the latest rates from Bankrate.com's weekly national survey of large banks and thrifts conducted Jan. 14, 2009.

Auto Loans

Rates: 6.95 percent (60-month, new car); 7.68 percent (36-month, used car)

Auto loan rates continue to slip.

The 60-month new-car loan rate fell 4 basis points this week to 6.95 percent. Also falling 4 basis points, the 48-month new-car loan is now 6.93. The 36-month new-car loan rate dropped 3 basis points to 6.87 percent. A basis point is one-hundredth of a percentage point.

The 48-month used-car loan shed 7 basis points to 7.7 percent and the 36-month used-car loan rate fell 3 basis points to 7.68 percent.

High levels of foreclosures and rising unemployment will be the major factors driving price declines, according to the study.

-- Sheyna Steiner

 

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Cars may be slightly less affordable, but this is still one of the best times in history to buy a car.