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Frequently Asked Questions about Car Loan Rates

Here are the answers to the most commonly asked questions about car loan rates.

How do I apply for quotes on car loan rates?

You can apply for free quotes on car loan rates from multiple lenders by filling out our online application. We will ask you a few basic questions and then match you with lenders who can meet your needs. You will see your quotes on car loan rates side-by-side, so you can easily compare the loans on price and terms.

Is this site run by a lender?

No, we are not a lending institution. A large part of why our customers place such trust in the accuracy of our car loan rates is our objectivity. We are not a lender, so we are not trying to sell you our car loan rates. We do partner with auto financing lenders across the country, but we do not have a stake in which lender you choose. You can rest assured that our information is accurate and unbiased.

What about dealership car loan rates?

You're probably shopping for car loan rates online because you are already a savvy enough buyer to realize that the dealership is not the best source for low-cost financing. In fact, dealerships provide notoriously high car loan rates because they make a considerable amount of their profit this way. Dealerships will inflate the interest rate they charge you to pad their own pockets. Often, they make more profit on the financing deal than on the actual sale of the vehicle. Thus, you are well-advised to seek third-party financing, such as online car loan rates.

How does your quotes system work?

When you fill out our application, we will supply you with quotes on car loan rates from various local, regional, and national lenders. You will see these quotes in an easy-to-compare format to facilitate your decision. You will be able to quickly compare car loan rates on price and terms, and all you have to do is decide which one is right for you. The entire process can be completed online for your convenience.

What are the advantages of getting car loan rates online?

Online car loan rates have two distinct advantages over traditional sources of auto financing. First, you will receive lower car loan rates with better terms because of the higher level of competition among online independent lenders. Secondly, online car loan rates will give you the upper hand in your negotiations with the dealership because you can focus solely on the vehicle's price. Dealers tend to view buyers with pre-approved financing as more attractive customers.

What kinds of car loan rates do you offer?

We offer car loan rates on new car loans, used car loans, and vehicle refinancing loans. Whatever your car loan needs, our lenders can meet them.


Before you get a car loan, know the five important loan terms!

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