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We understand that applying for auto financing is a long and daunting process, investing your time to get the best loan available is well worth it. The most important part of the process is doing your homework and arriving at the dealership having already been approved for auto financing. Once at the dealership with auto financing in place, you will find it easier to stick to your budget and allow the dealership to be more flexible toward your financial needs. Here are a few tips to help you get the best auto financing you can, before you even step inside the dealership. Retrieve Your Credit ScoreThe 3 major companies that you can retrieve your credit score from are Experian, Equifax and TransUnion. The companies collect your information and give you your FICO credit score, based on a combination of your payment history, amounts owed, and length of credit history, new credit and types of credits used. Your credit score determines the interest rate of your auto loan. The higher your credit score, the lower the interest rate.Come to the Dealership with Auto Financing in HandOnce you obtain your FICO credit score, apply for an auto loan at more than one place. You can apply at your local banks, credit unions, an online bank and even your auto insurance agency. We recommend coming to the auto dealership with a guaranteed auto loan. This gives you the upper hand and bargaining power. Bankrate.com is a helpful website that generates rate tables to assist you in making informed financing decisions about your auto loan.Focus on Loan’s Total CostWhen deciding the term of the loan, base your decision on the loan’s total cost and not monthly payments. A three-year loan will have higher monthly payments, but will save you more money, in interest. Watch out for long term loans, especially if you buy new cars often. If you want to trade in or sell the car early, the price you get for your vehicle may be less than what you owe. It is best to get a loan term as short as you can comfortably afford.Be Aware of Hidden FeesWhile applying for auto financing at different businesses, keep in mind that some companies charge you penalties for paying off your loan early. Be sure to have the auto financing specialist explain the fine print and any additional fees that the company might charge.
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