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Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
So how do you find the best auto finance rate? The first place to start is Bankrate’s daily update of loan rates. These are averages and will give you a starting point to determine what’s high or low when it comes to APR (annual percentage rate), the best yardstick for loan comparisons.
But loans vary greatly, depending on the lender, the borrower’s credit and regional factors. This Bankrate.com search tool will help you compare car-loan rates in your area.
Internet comparison
Elsewhere on the Internet, comparison loan shopping has gotten much easier. Most brick-and-mortar banks and credit unions offer Web site auto loan quotes and applications.
Then there are online lenders like E-Loan and Capital One Auto Finance (formerly PeopleFirst), which have been offering highly competitive rates.
Get three quotes
It’s smart to get about three different loan quotes. If one seems especially low, verify that it’s an actual offer to lend you money at that price and not just a gimmick to get you signed up before the real numbers appear.
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